subject: A Worthwhile Call To A Lafayette Bankruptcy Attorney [print this page] A Worthwhile Call To A Lafayette Bankruptcy Attorney
No Lafayette bankruptcy attorney will do less business this year than last. That is almost a guarantee for each and every Lafayette bankruptcy attorney. And while a Lafayette bankruptcy attorney is a small business person like the next business person, it is still a hard situation for them, as they are seeing the human toll brought on by the worst economy in the last seventy years. Remember, these attorneys are working with neighbors, friends and in some cases, brothers and sisters. Though retaining an attorney can seem like the end step in a person's financial life, it is actually the fist step in regaining financial health. Often, people wait until it is too late before hiring an attorney. They are in survival mode and the creditor wolves are at the door, or more likely the phone, and will not go away. They arrive in the offices of their attorney and expect miracles, and sometimes they get them. But attorneys are not normally miracle workers and are subject to the law and the courts, and they do the best they can for you. That is why it is important to guard your own financial health. Check on your finances like you would check your blood pressure. This is an easy thing to do when things are going well, but if you have suffered a financial setback, such as a job loss or a large medical bill, then sometimes the approach is "I do not want to know". Ignorance is not bliss. The more you deny your financial state the more risk you will be at for slipping into something fatal. Make choosing an attorney part of your financial health kit, especially if things are sliding downhill. It is better to take your time and find a good professional fit, than to race around trying to get in to see the first name you pick out. An attorney can be found by asking for a referral. Your friends or relatives may have a name or two for you. You might be surprised by how many of them have had to retain an attorney to help them reorganize their finances. If your friends and relatives have been lucky or smart or both during this recession, then go to the Internet. Most attorneys have detailed sites with information on services and background. If you do not want to trust the Internet or a such a personal matter, then sometimes community or church organizations have attorneys listed on file for their members. Or they might even be members. Your attorney may advise you to file Chapter 7 consumer bankruptcy or Chapter 13 consumer bankruptcy. Chapter 7 will have you selling your assets and repaying those you owe. Chapter 13 will have you setting up a repayment schedule for creditors and keeping some assets. You could be advised to avoid the court altogether and work out a private repayment schedule. Each case is different. The first step in regaining your financial heath is to work with your attorney and get back on solid financial footing. It may take some time, but at least you will be on the right course.
