A question about contacting a lawyer

[solitary1]

I have yet to call because i want to get all of my new statements in the mail. But I was wondering if anyone could give me a headsup on what I need to have with me when i go see the lawyer for the first time. I just want to try and make a few visits as possible to them. Thanks for any help...

[HRx]

I have yet to call because i want to get all of my new statements in the mail. But I was wondering if anyone could give me a headsup on what I need to have with me when i go see the lawyer for the first time. I just want to try and make a few visits as possible to them. Thanks for any help...

The majority of BK Attorneys charge a flat fee for putting together your BK Petition. The first thing you need to do is make a few calls to different lawyers, to get of feel of thier personality, experience level, expectations, et cetera. I say call at least 6 different lawyers. And if you want, set up a "Free Consultation" with all six of them to see if your compatible with them, and what you'll need to have if you decide to proceed.

Keep in my that, the "intitial Consulation" is of no-charge to you. It's also, important to know that, you're actually going to be the individual doing most of the leg work for your BK petition. Meaning, you're going to have to gather and know who all your debitors are and know whether or not your petition is accurate.

Good Luck!

[ihatearizona]

Things Attorney is going to want

We just filed pro se and the items your attorney is going to want couldn't be too diffrent than what we had to gather:

1. Get copies from all 3 credit reporting agencies of your credit reports. This will show everyone (including collection agencies) to whom you owe money. This is a great tool as there may be someone listed on one of the reports that you didn't even know about.

2. Copies of paycheck stubs.

3. Copies of all collection letters/statements from original creditors.

4. Copies of past 3 years of tax returns.

5. A listing of all property you own with garage sale worth for each item.

[LeonBayer]

I have yet to call because i want to get all of my new statements in the mail. But I was wondering if anyone could give me a headsup on what I need to have with me when i go see the lawyer for the first time. I just want to try and make a few visits as possible to them. Thanks for any help...

I know something about this since I have been practicing BK law for about 25 years. Don't worry about what to bring. When you make an appointment, they will tell you what, if anything you should take with you. I generally don't need a new client to bring ANYTHING, unless there is some special situation like a foreclosure. Otherwise, I just want to meet the new person and chat informally about their problem and explain what I can do about it. Don't be shy about calling some lawyers on the phone and interviewing them! After all, we work for the client. Avoid lawyers with attitude, like they are doing you a favor just by talking to you.

[solitary1]

ok

Thanks all but I have made my mind up. I followed good old Mom's advice and wrote down everything I spend in a month even down to food and cigaretts. Then I wrote down what I bring in, in a month. I found that I am negative 400 a month. Even cutting out things like smoking and cable and other things I am still negative 190. So then I said to my self why should i lower my standard of living to be broke anyway. Then I went through and subtracted everything i would be claiming bankruptcy on. I would be positive every month but only 190 dollars. So I said to myself I for now will continue the juggling game, because it is not worth it to me to have a bankruptcy on my record to be positive 190 dollars. I figure i will need to juggle for under a year and should be ok. See the problem is my car. I lease it but rolled a former car onto it, so instead of it being 300 a month i am paying 548 a month for a leased car. But the lease ends in 12 months and I get to walk away. So I figure with out that high payment I should be fine to pay my bills, I will just use my work truck for a while instead of getting a new car after that.



thanks for all the help though. I hope my plans work.

[solitary1]

Ok

Well let me be the first to say, I told you so for all of you directed at me haha.

I was completely wrong and am going to have to turn to the BK plan after all. My dreams of this magnificent juggling act are not going to work. They came to try and repo my car today. I talked with the repo guy and he allowed me to call the dealer and i payed over the phone and he let with out taking the car. But it is unavoidable he will eventually be back. I will be talking to a lwayer this week and hopefully avoid the scenerio of waking up one day and finding my car gone. I would rather be more adult about this and be the one to call them and say "Come get the car"



So I hope all this works out for me.

[HRx]

Well let me be the first to say, I told you so for all of you directed at me haha.

I was completely wrong and am going to have to turn to the BK plan after all. My dreams of this magnificent juggling act are not going to work. They came to try and repo my car today. I talked with the repo guy and he allowed me to call the dealer and i payed over the phone and he let with out taking the car. But it is unavoidable he will eventually be back. I will be talking to a lwayer this week and hopefully avoid the scenerio of waking up one day and finding my car gone. I would rather be more adult about this and be the one to call them and say "Come get the car"



So I hope all this works out for me.

A voluntary repo is better than a involuntary repo.

Good Luck! ;)