Exhausting all remedies prior to filing for bankruptcy is clearly important because bankruptcy is known as the “last resort.” Filing BK will remain on your credit report for as long as 7 years in a Chapter- and 10 years in a Chapter 7 bankruptcy filing. Therefore, consider all other options prior to filing.

You don’t necessarily need to hire an attorney to file for bankruptcy. However, it is always best to do so considering you are dealing with something so important as becoming debt free. Does your attorney know about the difficulties you are facing and how the new bankruptcy laws affect your financial situation? Do you have bank levies or wage garnishments? Are you a party to a lawsuit? Have you or are you facing foreclosure on your home? Make sure your attorney is aware of these situations and how he will handle these situations.

Make sure your bankruptcy attorney is aware of the new 2005 bankruptcy laws. Although these new laws have made more road blocks for individuals wanting to file for bankruptcy, it hasn’t necessarily affected the majority of bankruptcy filers. Your bankruptcy attorney will ask you a series of questions to determine whether you qualify for a chapter 7 bankruptcy filing.

Hiring a bankruptcy attorney is an important step to becoming debt free. You need to consider many things – including cost. If lack of money is an important aspect to finding that right attorney, then you may be able to find the right attorney at the Law Offices of Alon Darvish in Beverly Hills, California.

Bankruptcy attorneys in the Los Angeles area tend to charge a lot of money ($2,500 to $3,500) for a simple Chapter 7. Many have been coaxed into paying this kind of money for such a simple bankruptcy petition. It doesn’t take much work for the attorney to file a chapter 7 bankruptcy petition.

Attorney Alon Darvish tells his clients hiring a lawyer to guide you through the bankruptcy process is extremely important. He states, “would you perform surgery on yourself, or would you hire a doctor to do so?” Something as important as filing for bankruptcy shouldn’t be done by the consumer himself – he or she should hire a professional to do so. However, paying thousands of dollars to do so is ridiculous.

The case of paying for more isn’t always true. The average American doesn’t have such a complicated case when it comes to filing for bankruptcy. Yet attorneys tend to charge thousands of dollars for something so simple merely because they can. If you have a simple case (no assets, just credit card debt), you don’t need to pay $3,000 to file a simple Chapter 7 bankruptcy.

If you are going to hire a law firm to handle your bankruptcy petition, make sure you actually speak with the attorney. Law firms usually have their paralegals and legal assistants handle questions. However, the right law firm will allow you to speak freely with an attorney. Don’t get fooled into having a paralegal answer your bankruptcy questions, such as “can I keep my car?

About the author: Alon Darvish is an experienced Los Angeles Bankruptcy Attorney. To learn more about him, visit him at Law Offices of Alon Darvish – Los Angeles Bankruptcy Lawyer

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