Do you need legal representation? Be careful about who you choose to be your lawyer. Since this is the person who will be handling all of your affairs and representing you in court, you’ll want them to be smart, reliable and trustworthy. Here are just a few tips for making sure that you find this diamond in the rough.
1. Look for a Specialist
Not all lawyers are the same. For example, a probate expert in Phoenix is going to have an entirely different skill set than a traffic lawyer in Charlotte NC. Don’t waste your time on someone with a practice area that doesn’t suit your needs. Find someone with a background in your particular type of case.
2. Get Recommendations
Has anyone in your family used a lawyer? Do they have any names that they can throw at you? Even if their recommendation is more like a warning to stay away from someone, it can help you narrow down your options when it comes to choosing a law firm. Positives and negatives can both help you make a decision.
3. Ask about Rates
Some lawyers charge by the hour. Others will ask for a flat fee. If you’re filing a lawsuit and hoping for damages, your lawyer might want a percentage of the settlement. You won’t know their exact rates unless you ask, so don’t be shy about opening a discussion on money matters.
4. Schedule a Consultation
At the end of the day, this is the most important step that you can take in hiring a lawyer. If you don’t meet them face-to-face, you can’t be sure that they’re the right choice for you. What if your personalities don’t mesh? What if they’re completely different than their advertisements suggest? Schedule a consultation and find out.
These are just a few things to keep in mind as you search for a lawyer. As you can see, there’s a lot more to the process than simply opening the phone book and choosing someone at random. You’ll need to be smart and thorough about your choice. Good luck!…
While no one wants to fall behind on their debts, it does happen in some cases and it’s often unavoidable. When this does happen, it adversely affects your credit and it creates a situation that keeps getting worse. This creates an intolerable situation and, in many of these cases, filing for bankruptcy may be the best option.
There are two types of bankruptcy, but a Chapter 7 bankruptcy is the type that most people envision. In this type of bankruptcy, people suffering from mounting credit card bills, lawsuits, and other collections actions can obtain a new beginning. While a bankruptcy does show up on your credit report, it can often be a better alternative than continuing to build debt and risk liens, garnished wages, or worse.
Although a bankruptcy can affect your credit rating, it’s not a permanent situation. In many cases, careful financial planning can help you recover in just a few short years. Some people even raise their credit score to 700 within just two years. How fast you recover will depend on how you manage your finances, following the bankruptcy.
In typical cases, it takes four months to complete a bankruptcy filing, but, before you contact a chapter 7 lawyer Orlando FL, you should be aware that there are certain conditions you must be able to meet. If you fail to meet these requirements, you won’t be able to file a bankruptcy and you’ll just be wasting your attorney’s time.
1. Your income must not exceed the median income for the size of your household in Florida.
2. In cases where your income does exceed that value, you must be able to show that fixed expenses, like mortgage or rent payments, child support, and health insurance premiums, leave you with less than $167 per month. This excludes what you would pay out in credit card payments and similar debts.
3. A bankruptcy may also be permitted, where your debts are related to poor investment choices or a business venture that has failed.
If you qualify for a bankruptcy under these conditions, your best action is to contact an experienced bankruptcy attorney. A legal advocate familiar with Florida’s bankruptcy laws can help ensure you follow the stipulations that will lead to a successful filing.…