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Questions to Ask Your Bankruptcy Lawyer During Your First Consultation

Filing for bankruptcy can an intimidating prospect, but with the help of an attorney, you can understand the effects of Chapter 7 and Chapter 13 bankruptcy and make an informed financial decision.

Successful financial plans

When you speak with a bankruptcy lawyer, consider asking these questions to acquaint yourself with basic bankruptcy information:

  • Do I Qualify For Bankruptcy?

Since 2005, bankruptcy law has been altered to make it more difficult for debtors to qualify for Chapter 7 and Chapter 13 bankruptcy. Both types now require credit counseling prior to filing, and you may not qualify for one or both, depending on your income and your outstanding debts.

  • What Are the Immediate Advantages to Filing for Bankruptcy?

Depending on your individual circumstances, state statutes, and which type of bankruptcy you are considering, you may be able to retain your property, halt foreclosure, stop creditor harassment, and discharge a significant amount of debt. However, there are limitations to what bankruptcy can do, so be sure to discuss your options with an experienced bankruptcy lawyer.

  • What Should I Expect Post-Bankruptcy?

Most people expect that their credit score will be adversely affected, though there are several misconceptions about bankruptcy and how it will affect actual finances. Many people will still be able to secure loans and credit offers at subprime rates. Take the opportunity to request accurate and reliable information during your consultation with a bankruptcy lawyer.

Schedule a free professional consultation here at Cutler & Associates, Ltd. in order to determine your financial options. We offer seven convenient locations throughout Chicago, Skokie, Oakbrook, and the surrounding areas to provide you with the best legal guidance throughout the bankruptcy process. For more information, call (847) 868-2265 or contact us online



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