How do you choose a Naperville bankruptcy attorney?When a person is considering filing bankruptcy and they decide that they need to find an attorney to do this, the most common thing that you need to ask the attorney is his experience. You need to find an attorney who specializes in bankruptcy. The reason being is bankruptcy is a very complex and specific type of law that a person who does not regularly practice in bankruptcy can be someone who does not fully understand the procedures of bankruptcy and will not fully give the best representation for a bankruptcy client.
When choosing a Chapter 13 bankruptcy lawyer, make sure that they have experience and that they are a law firm that regularly practices in bankruptcy law. Not only do you want to find someone who has experience with bankruptcy, you also want to make sure that you have an attorney that is going to answer your phone calls, answer your questions and return your phone calls as well. You want an attorney that is going to be personally handling the case and someone who understands how to handle a bankruptcy case.
As someone who understands the different issues that arise when filing an Illinois bankruptcy case, we cannot stress enough that you will have questions when you are filing a bankruptcy. And if you don’t have a relationship with your attorney, then the relationship itself is going to be strained in the bankruptcy process could be very hard. However, if you find an attorney that is personable and can be approached and you have a good feeling from that attorney and they have that experience with bankruptcy, then that’s a good start for figuring out how to choose your bankruptcy attorney.
Again, I cannot stress enough the importance of finding a local bankruptcy lawyer who is experienced in bankruptcy. The reason being is if an attorney who does not regularly practice in bankruptcy is hired to do a bankruptcy, there are certain things that could occur that would dismiss the bankruptcy case and in turn will make the person have to incur more costs to reopen a bankruptcy case or to refile a bankruptcy case. And you will lose the protection of the bankruptcy with the automatic stay.
The automatic stay is the provision in the bankruptcy code that stops creditors from harassing and calling and communicating with the debtor for collection of the debt. If an attorney who does not regularly practice makes a mistake and the case is dismissed, then the debtor really loses a lot of time and money and if for instance they are being garnished, then the garnishment will resume. If there is a frozen bank account, then the bank accounts will be cleaned out if they did not show up for court. So there is a lot of issues that can arise that an attorney who does not regularly practice in bankruptcy may not know what to do or just may overlook the issue because they don’t have experience with it. And bankruptcy is not the type of law that you want to be semi-experienced with. It’s definitely a type of law that has complicated issues and issues that could arise very quickly and could dismiss the bankruptcy case altogether.
So in order to choose a bankruptcy lawyer, look for someone who has bankruptcy experience, specializes in bankruptcy and is a person that you can talk to and fully disclose all of your information and a person that you can trust. So choosing a bankruptcy attorney should not be taken lightly. It should be researched and you should feel confident that you are making the right choice when you choose a bankruptcy attorney.