Why I Chose To Use A Bankruptcy Lawyer
About 5 years ago, I started to rake up so much debt, through using excessive credit that was available to me during the easy credit period of the 2000s. I easily had several credit cards with available balances of over $50,000. Thinking that I was invincible financially, and that the housing bubble simply cannot just collapse overnight, I used the equity of my house for every single purchase. I was eventually brought back into reality on the severity of my financial ruin when the housing bubble burst in 2008. I had accumulated so much debt, without any clear path on how and when I can pay off the debt. After much debate with myself (through Internet researches on websites like Wiki and FTC, I decided that the only way that I can ever recover from this mountain of debt is to file for bankruptcy protection. Once I decided that I need to file personal bankruptcy, I know that I do not have what it takes to take on the bankruptcy process myself, so I had to seek the help of a bankruptcy lawyer.
There are many bankruptcy lawyers out there. Make sure you find one that you are comfortable working with, one that can explain the bankruptcy law in plain English. You should find a bankruptcy lawyer who is sympathetic to your situation, and not just a regular “paper pusher”. Some bankruptcy lawyers do not care about their clients as individuals, but rather just as another set of paperwork that needs to be filed. You should have a comfort level with your bankruptcy lawyer because you want to be able to call him or her anytime if any question arises regarding your specific situation. You want your bankruptcy to be a “friend” to you, to help and guide you through this difficult situation.