Chang & Diamond APC, Go-to San Diego Bankruptcy Lawyers

The process of filing for bankruptcy is often a complicated one. It requires you to make a series of important decisions from the moment of filing to the end of the procedure. Understanding these decisions and the implications they carry is key when filing for bankruptcy. Knowing the ins and outs of the process can help you get a better deal, keep some of your assets and generally get the best of your bankruptcy case, whether it’s chapter 13 or chapter 7 bankruptcy.

The bankruptcy attorney is there to offer their counsel and professional advice regarding your bankruptcy case and advise whether a particular option is well suited for you. They can help you gain more insight into your debts, your assets and advise whether filing for bankruptcy is the best course of action for you in that particular scenario.

If bankruptcy is a good choice for you, they can further help you choose between Chapter 7 bankruptcy or Chapter 13 bankruptcy and explain the difference and the implications of both. Next, a bankruptcy attorney can help you make the most out of either case. In chapter 7, your bankruptcy attorney can help you protect any assets you don’t want to give up to repay the creditors, such as your car or your home. If you file for Chapter 13 bankruptcy, they can help you create an ideal repayment plan that you will be able to afford.

When filing for bankruptcy, your attorney will help you collect all the necessary documents that involve your assets, debts, income and expenses. They will help you navigate the bureaucracy from there on, ensuring your filing is as smooth and expedited as possible. Finally, a bankruptcy attorney will be there to answer any of your questions throughout the process. Filing for bankruptcy can be challenging and intimidating, and hiring a bankruptcy attorney can help make it much less so.

If you are considering hiring a bankruptcy attorney you’ve probably asked yourself “how much should I pay for a bankruptcy attorney?” The bankruptcy attorney fee largely depends on the type of bankruptcy filed, whether it’s Chapter 7 or Chapter 13 bankruptcy.

With Chapter 7 bankruptcy, the fee is different on a case by case basis, depending on how complicated your case is. If you have a lot of accumulated debt or a lot of assets, your fee will likely be higher than for someone with no assets. Bankruptcy is a very specialized area of the law, and attorneys who don’t specialize in it likely won’t accept a bankruptcy case.

When it comes to Chapter 13 bankruptcy, most courts have a guideline for what constitutes an acceptable Chapter 13 bankruptcy attorney fee. Most attorneys don’t charge more than what the court recommended. These fees vary from one judicial district to another. Unlike Chapter 7, Chapter 13 bankruptcy fees don’t have to be paid up front. Usually, part of the fee is covered beforehand and the remainder is charged through the Chapter 13 repayment plan.

Finding a bankruptcy attorney starts by looking for a vetted candidate in your area. Finding a good San Diego bankruptcy attorney is easy thanks to the Internet. You can easily run any attorney through a search and check their credentials, experience and others’ experience with them. If you know someone who’s gone through bankruptcy and ask for a recommendation.

Your best choice is to hire a bankruptcy attorney or a legal team like Chang & Diamond, APC with enough experience as well as empathy. With over 20 years as a team, Chang & Diamond have a stellar reputation and a lot of clients who will happily share their experience working with us. We can help you whether you’re seeking:

• Professional and knowledgeable bankruptcy attorneys in Escondido
• Leading bankruptcy lawyers in San Marcos
• Expert legal assistance in Oceanside
• Skillful representation in El Cajon
• Successful debt relief in Chula Vista
• Help gaining financial independence in Imperial Beach
• Trusted legal services in Eastlake

Apart from their credentials, a bankruptcy attorney has to possess certain attributes necessary for this particular job. First of all, a bankruptcy attorney needs to be empathic, as dealing with bankruptcy takes a heavy emotional toll on the client in most cases. The last thing they need is a judgmental or unsupportive attorney to remind them of how they went wrong.

Next, the attorney needs to be experienced enough to understand the fundamental rules of a bankruptcy proceeding in order to be able to best represent the client’s interest. They have to be familiar with all the ins and outs of the law to be able to get their client the best repayment plan or help protect their assets.

Finally, the attorney has to offer reasonable rates so people filing for bankruptcy can actually afford to be represented by a professional. This is why at Chang & Diamond, APC we offer a free initial consultation for all our clients. During the initial consultation we’ll go over your case and you can address your questions and concerns including the filing process, pricing, etc.

During the first consultation you will get the chance to talk to the attorney and learn more about them, their practice and your case in general. During this consultation, don’t be afraid to ask questions. This is the only way to get familiar with the process and learn more about how bankruptcy will affect you.

Some of the questions you can ask are:

• What type of bankruptcy am I most qualified for: Chapter 7 or Chapter 13?
• How many bankruptcy cases have you handled?
• How responsive are you to calls and communication?
• How involved will you be in filing the paperwork?
• Will you accompany me in the court hearings?