1. You want to keep your house.
As with all these points, hey, if you know how, by all means, DIY.
Do you need to reaffirm your mortgage? Is there equity in your house that should be exempted?
2. You want to get rid of as much debt as possible.
Which debts can you get rid of? Is there something extra to do to get some kinds of debts discharged?
3. You do not want to have done something that results in a relative sued.
Many clients tell me, well, I had a car, but I signed the title over to my sister so the creditors could not get it.
I just repaid my Mom the money she lent me to make the house payments last year.
There may be ways to fix these type of situations before you file and the bankruptcy trustee sues your relative.
4. You want to know what happens at the hearing, before you get there.
Who will be there? Do I have to talk? What do I have to bring?
What kind of questions will I be asked?
An experienced lawyer can answer these questions and ease your mind.
5. You do not want to have to go back to court extra times.
Your lawyer should help you get it right the first time.
The Detroit docket is backed up with people representing themselves who have to keep coming back because they did not file something, or did not give the trustee one of the required documents.
6. You want to keep as much stuff as possible.
Property has to be valued and exempted.
Are you familiar with the exemptions you can use?
Do you know how to value your property?
7. You don’t know what to do about the car in your name that your daughter drives.
Several alternatives on this one, an experienced bankruptcy attorney can guide you.
8. What credit counseling?
Useless, but mandatory before you can file bankruptcy.
9. What financial management?
Has to be done, after you file, before you can get your discharge.
10. You want that garnishment to stop.
What if the creditor gets the notice, and keeps dinging your paycheck?
This is probably the main reason you filed your case, you want to get this right.
A mistake in any of these areas can cost you more than if you hire an attorney to begin with.
Top Ten Reasons To Hire A Lawyer For Bankruptcy