Choosing to file for bankruptcy is a very difficult decision, and most people do not take it lightly. Unfortunately, some people fall deeply into debt due to job loss, illness, medical bills, or large credit card balances, and they know that they do not have the financial means to ever catch up and pay back everything that they owe. While hiring an attorney to assist in filing bankruptcy is not required, it is highly recommended. Some of the top reasons to hire an attorney when filing for bankruptcy include:

Reviewing Your Financial Situation

Many people get to the point where they believe that bankruptcy is the only option. Prior to filing the paperwork with bankruptcy court, and attorney can review your case and help determine whether or not you even need to file for bankruptcy. An experienced bankruptcy attorney has a deep understanding of bankruptcy laws and all of the details of filing for bankruptcy, and he or she can tell you definitely whether or not bankruptcy is the best option for you.

Determine the Right Chapter to File

Typically, individuals usually file for either Chapter 7 or Chapter 13 bankruptcy. There are major differences between the two and different eligibility requirements. Based on the financial documentation you provide, a bankruptcy attorney can assess which chapter will suit your situation best and which one you qualify for. Expert legal advice can prevent you from wasting time and money filing for the wrong chapter of bankruptcy. 

Communicate on Your Behalf

While going through bankruptcy, it is necessary to communicate with the court and with creditors. This can be stressful as well as time consuming. When you have a bankruptcy attorney representing you, he or she can take care of all communication while your case is being processed. You will not have to worry about returning phone calls are ensuring that all of your documentation has been submitted since your attorney will take care of those things.

Avoid Making Mistakes

Filing for bankruptcy is a complicated process, and even small mistakes can lead to your case being dismissed by the court. When there is no room for error, the best thing you can do is hire an attorney who knows how to assist with filing for bankruptcy without forgetting any details. Investing in the services of a bankruptcy law attorney will give you the peace of mind of knowing that you case will be filed properly.