This is a guest post by Angel
There is always apprehension when deciding to use a debt lawyer for debt help. If you follow a few basic steps you can find the best attorney for your situation. The first thing you want to determine is what kind of debt help you will need.
The top three options for debt help are: Debt settlement, bankruptcy chapter 7 and bankruptcy chapter 13.
Debt settlement is widely used, outside of bankruptcy, for resolving debt problems. This is generally an agreement between you and your creditors. There are several areas that are negotiable, this is why a debt lawyer can be beneficial when it comes to these types of settlements.
Most of the debt that is involved in the settlement process is unsecured. Finding a lawyer who is experienced in this process is the key to a successful settlement.
References from a friend or family member would be your first choice in finding a good debt attorney. You want to know what kind of settlements the attorney executed for their clients. If an attorney can reduce your debt by 50 to 60 percent, then he is very skilled in the art of negotiating debt.
The state bar association is another place you can check out the credentials of a debt attorney, but referrals are the best way to evaluate the attorneys performance.
Finding the Best Debt Negotiation Attorney for Bankruptcy
Finding the right lawyer for filing bankruptcy is fairly easy. There are two types of bankruptcy you can file, chapter 7 or chapter 13, you will find that most debt lawyers handle both types of bankruptcy.
The first step is to set up a free consultation. At this meeting you will find out which type of bankruptcy is best for your to file. If the lawyer has support staff specifically for filing bankruptcy petitions, mark this as a plus for that lawyer.
Ask the lawyer if they have the software to check the petition accuracy, this is another plus if they do.
Again, if friends or family have had a good experience with a particular lawyer, meet with them first. Ask for all fees to be disclosed up front. A good debt attorney will ask for a retainer fee, but this will be a fraction of the total cost. If they ask for the full amount up front, it is best to keep looking.
When you determine what type of debt lawyer you need, visit a few to find out what their average fees are. Compare this to what friends or family have paid. Next, find out what type of settlements they have negotiated. If they fall into the guidelines above, you probably have found the best lawyer for your case.
About the Author:
The author of this article has good experience in the finance field, specializes in the process of settling debts and he has written several articles on debt negotiation attorney and debt settlement.