Bankruptcy law is a highly technical area of law. Be wary of attorneys that practice in areas other than bankruptcy law, as staying on top of bankruptcy law changes and updates effectively is difficult enough without also trying to practice additional areas of law competently. Seek an attorney that practices exclusively in the area of consumer bankruptcy law.
A good starting point is the website for the National Association of Consumer Bankruptcy Attorneys. There you can locate an attorney in your area that practices in the area of consumer bankruptcy law. Otherwise, a referral from a friend, family member or co-worker should be the best indicator of a bankruptcy attorney's reputation.
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I would recommend selecting a few attorneys and attending initial consultations with each. Most bankruptcy attorneys will provide a free initial consultation for those considering filing for bankruptcy, and these consultations can be very beneficial to a debtor for a variety of reasons.
A good bankruptcy attorney will first question you thoroughly regarding your financial situation. Don't be surprised if the consultation takes an hour or longer. The attorney does this to discover if bankruptcy is a good option for your situation. If bankruptcy is an option then what particular chapter would be most beneficial, and if bankruptcy is not the appropriate solution, the attorney can provide advice on viable alternatives that may provide an effective solution to your debt problem. Additionally, the attorney should be able to describe exactly how filing bankruptcy will impact you, both during and after the case. Do not be afraid to ask the attorney if bankruptcy is the best option, and how filing bankruptcy will affect you.
For the most benefit from the initial consultation, make sure you come to the appointment thoroughly prepared. Bringing the following documents with you will enable the attorney to properly provide a comprehensive analysis of your situation:
• Most recent two years tax returns;
• preceding six months paystubs;
• spouses' paystubs for preceding six months;
• credit reports;
• bank statements;
• statements for the home and vehicles you own; and
• any court documents you possess.
Finally, ask the attorney who will be handling your case. Many firms rely on paralegals and outsourced attorneys to handle much of the case work. If it is important to you that the attorney you select is the actual person doing the bulk of the work on your case, then make sure the attorney clearly describes to you exactly who will be handling your case.
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