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When you’re in debt, you may think adding attorney fees to help with filing for bankruptcy on top of what you owe isn’t a wise financial decision. As such, you go about this process by yourself and file for bankruptcy without a lawyer. Though this pro se approach may save you from paying an attorney, it will cost you significantly more in the long run. Keep reading to learn more about why you need the assistance of an experienced Shelby County, TN bankruptcy lawyer to help you through this process.

Why Should I Avoid Filing for Bankruptcy Without a Lawyer?

An attorney can offer invaluable advice to help you through your bankruptcy case, whether you’re an individual or a business. Without the assistance of an attorney, you risk incurring a less-than-favorable outcome for your circumstances. You are held to the same standards as an attorney despite not having the same education or qualifications. As a result, answering a question incorrectly or even saying “I’m not sure” can drastically influence your case.

An experienced attorney can help you complete the necessary paperwork to navigate this complex process. If you fail to file the necessary paperwork or include incorrect information (such as inaccurately valuing your assets), you risk the dismissal of your case. Similarly, an attorney can help ensure the information you provide the courts and creditors during any meetings is truthful and accurate to prevent perjury.

Finally, an attorney can help you negotiate with creditors to secure your assets or lower the interest on monthly repayments. They can also petition the court to modify or discharge their Chapter 13 payments if their circumstances change during repayment.

What Should I Look for When Hiring a Bankruptcy Attorney?

When you’re ready to hire a bankruptcy attorney, you’ll want to know what to look for. The most important thing to consider is their experience. Ensuring the attorney you want to handle your case specializes in bankruptcy is essential, as this assures you are familiar with the process’s details. Similarly, considering how many cases they’ve handled is a good indicator of their familiarity with this area of law.

You should also consider how you feel when discussing your circumstances with an attorney. A lawyer should never make you feel guilty or shame for your circumstances, as they should remain professional and respectful. Similarly, they should discuss all your legal options rather than trying to force you in a specific direction.

When you need an attorney who will keep prioritizing your best interest, the Arnold Law Firm is ready to help. Our dedicated legal team will examine your circumstances to help you navigate this process. Contact us today to learn how we can help you.