Why You Need a San Diego Bankruptcy Attorney

If you have made the decision that a California bankruptcy is right for you, the next question you may have is how to begin the actual process. The answer is that the key first step is to get help from a bankruptcy attorney in California.  It may seem a hard pill to swallow that you need to pay legal fees at a time when you are already facing so much financial trouble, but the reality is that not hiring an attorney will cost you a great deal more in the long run.

Why Do You Need a California Bankruptcy Attorney?

There is no legal requirement that you have a bankruptcy attorney in California, and technically, you can do anything law related on your own. There are even resources out there that will help you to do that, such as "do-it-yourself" bankruptcy kits.

However, it's important to understand that bankruptcy is fairly detailed and involved. There is a great deal of paperwork that must be completed and filed, and it must be done thoroughly and properly. If the petition is not done correctly, you run the risk of having your case dismissed – meaning you spent the money for the filing fee and are right back in the position where you started. Worse, if the bankruptcy is completed but you failed to list or include all required debts, you could end up still owing some of your creditors money even after your bankruptcy filing has been completed.

How Will an Attorney Help With Your California Bankruptcy?

Your attorney will help in a number of important ways during the bankruptcy process:

  • He will help you explore other alternatives, such as debt settlement, if you have not definitely settled on bankruptcy.
  • He can assist you in deciding whether to file a Chapter 7 bankruptcy or a Chapter 13, by helping you to determine if you meet the California bankruptcy requirements for each chapter.
  • He will assist you in completing the proper paperwork and filing the petition for bankruptcy in California with the court. Bankruptcy is handled by federal bankruptcy courts and there are specific rules and procedures associated with a filing that must be followed.
  • If you are filing a Chapter 13 bankruptcy, he will assist you in drafting a repayment plan.
  • He will help you through the required meeting with your creditors and the bankruptcy trustee that occurs in both Chapter 7 and Chapter 13.

With so many steps to a bankruptcy in California, all of which have technical legal requirements, it makes sense to spend a little bit of money, have it done right and be able to get things turned around within four to five months and most importantly, to be able to get on with your life and not worry about debt collectors any more.

How Much Does an Attorney Cost?

While the price of hiring a bankruptcy attorney can vary, most California bankruptcy attorneys charge a flat fee of between $1,000 to $2,000 for a Chapter 7 bankruptcy or between $3,000 to $5,000 for a Chapter 13 bankruptcy. This usually includes the filing fees, which are $299 for a Chapter 7 California bankruptcy and $274 for a California Chapter 13 as of 2011.

What to Look For In An Attorney

Once you have made the decision to get an attorney, you want to ensure you find one who is going to be a good advocate for you. You should look for an attorney who:

  • Has several years of experience
  • Specializes in bankruptcy law
  • Has presented cases in bankruptcy court in the past
  • Has references from past satisfied clients

Why Choose the Zarcone Law Firm?

The Zarcone Law Firm can provide you with the legal representation you need throughout your bankruptcy filing. Alex P. Zarcone specializes in individual and corporate Chapter 7 bankruptcy. He has years of experience helping clients to resolve their debt issues, either through bankruptcy or through loan modification and negotiations, so he can provide you with details about all of your options and help you to make the right choice about how to deal with your debt.

Mr. Zarcone also has extensive trial experience. In addition to arguing before the California Court of Appeals and the Bankruptcy Appellate panel, Mr. Zarcone has helped numerous individuals, school districts, local businesses and even Fortune 500 companies as they made the difficult choice to file bankruptcy.

Click here, to contact Alex Zarcone, an experienced San Diego Attorney.