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It is never easy to admit that you cannot simply make ends meet or pay the bills. When you do realize that you cannot catch up with your debt, a decision to apply for a chapter 7 bankruptcy may be the best option. To do this, it is highly advisable to find a good lawyer. Although choosing the right person can be hard, getting the best attorney can get you on your way to starting anew in as little as four months. When starting your search for good chapter 7 bankruptcy lawyer, you need to begin by considering the costs associated with their hiring help and with filing the forms. First, one must find a chapter 7 bankruptcy lawyer that has a free consultation service. Although most firms offer this free service, some do not. Always ask if the first visit is free, and then you can go into any session carefree and know the circumstances, and fees, of filing the papers and hiring help before you must agree to anything. As with choosing anyone to help you, you need to have confidence in that person. Ask your friends and family for their advice. Maybe you can find someone that has also had to file chapter 7 bankruptcies and ask them for their advice. Another route you can take is calling around to a few law firms and getting references. If they have done a good job, then they should be happy to give out some references you can explore to learn of the quality of their work. Once you have settled on the company, always be very frank and ask about the costs of everything that you will be doing. Although it varies, commonly first sessions cost around thirty dollars, with an ending counseling running about twenty dollars. There are companies now that also offer online counseling sessions, for which you can pay after the process. Other fees associated with filing for bankruptcies are varied. The plain filing fee itself for a chapter 7 bankruptcy is about four hundred dollars. Thereafter, it is important to understand how the attorney is to be paid for their services. For example, it’s a common fee for the use of their service is $2,500 dollars. First, you will most likely be required to make a first payment before the services begin. This could either be half of the fee, or normally around $1,000 dollars. These will be paid off by your monthly trustee payments. The chapter 7 will be around another $750 dollars. Thereafter, for your chapter 7 to be discharged in full, you will have to settle your attorney fee completely. Finally, you need to find a lawyer that will give you the full attention you deserve. Time is of the essence, and closing down any loose ends as fast as possible is very important. Make sure they are willing to give you the attention you need in order to finish it up quickly. So, before signing, follow these guidelines and use this knowledge in order to find the best attorney for you. With good help, you can be on your way to beginning anew in no time. When considering a chapter 7 bankruptcy lawyer Covington KY residents should seek a qualified professional that will get the job done correctly. For more information, visithttp://www.hotspringsbankruptcylaw.com/chapter_7_lawyer.html.
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