How to File a Family Petition in Court: Step-by-Step Guide for Families
- 18 Oct 2025
Filing for bankruptcy can be a life-altering decision, so hiring the right bankruptcy lawyer is essential. The process is not just about managing paperwork; it’s about finding someone who understands your unique financial situation and offers the right guidance. Here’s a guide to the key questions you should ask a bankruptcy lawyer before hiring them.
Bankruptcy isn’t one-size-fits-all. The most common types for individuals are Chapter 7 and Chapter 13. Chapter 7 involves liquidating assets to clear debts, while Chapter 13 restructures debt into a manageable repayment plan.
Ask your lawyer about their experience with these specific types to ensure they have the expertise you need.
Pro Tip: If you own a business, check if they also handle Chapter 11 bankruptcy for business debt restructuring.
Experience matters. An attorney with years of practice will likely have encountered cases similar to yours.
Don’t hesitate to ask for specific examples, like:
Bankruptcy lawyers typically charge a flat fee, but you need to understand what’s included. Ask if the fee covers:
Additionally, inquire if there are extra costs for unexpected complications. Transparency here can save you stress later.
Some law firms delegate cases to junior associates or paralegals. While this can reduce costs, it may also affect the quality of your representation.
Ask the lawyer:
A good lawyer will outline the documents you need to gather, such as:
Knowing this upfront allows you to organize and expedite the process.
Bankruptcy cases can take months, depending on their complexity and the court’s schedule. Ask for a timeline that includes:
This question helps manage your expectations.
A competent lawyer won’t push you into bankruptcy if there are better options. They should assess your financial situation and suggest alternatives like debt settlement or credit counseling if bankruptcy isn’t your best choice.
Your lawyer should clarify whether you’ll lose significant assets, such as your home, car, or savings. Laws vary by state, so ask about exemptions and how they apply to your case.
Bankruptcy isn’t without consequences. Ask your lawyer to explain the potential downsides, such as:
This ensures you’re fully informed before proceeding.
Finally, ask for references or client testimonials. A reputable lawyer will have positive reviews or recommendations that can boost your confidence in hiring them.
By asking these questions, you can ensure you’re hiring a lawyer who is the right fit for your needs and who will guide you through this challenging process with confidence and clarity.
