Do you really need a bankruptcy attorney to file in Philadelphia?

While you can file bankruptcy on your own, your chance of navigating the legal process and having your case accepted is much simpler with a bankruptcy lawyer on your side. We’ve put together a list of suggestions to help you find the right Philadelphia bankruptcy attorney who can help you through the process.
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With the arrival of COVID-19 and the subsequent financial havoc that it is wreaking on our nation, even more Americans find themselves turning to a Chapter 7 or Chapter 13 bankruptcy to reduce their debt load and avoid foreclosures in Philadelphia. While you can file bankruptcy on your own, your chance of navigating the legal process and having your case accepted is much simpler with a lawyer on your side. We’ve put together a list of suggestions to help you find the right attorney who can help you through the process. 

Is a Bankruptcy Lawyer Really Necessary?

Anyone is welcome to file bankruptcy in Philadelphia without the help of an attorney (or pro se). This is a good option for those with a thorough understanding of the bankruptcy process in their state, those with knowledge of what properties or assets may be exempt from bankruptcy, and how to draft bankruptcy documents. Obviously, this is not a job that very many individuals can tackle on their own! It’s much wiser to hire a bankruptcy attorney that can help you start your financial relief faster and more optimally file your paperwork. 

Choose a Lawyer that Focuses on Your Type of Bankruptcy

There are two types of bankruptcies: Chapter 7 where your debt is completely eliminated and Chapter 13 where your debt is refinanced into more manageable payments. There are benefits and limitations to each type of bankruptcy. You need to determine the right bankruptcy for you and then choose a lawyer that is experienced in that type of process. 

Avoiding Bankruptcy Mills

Bankruptcy mills are made up of a few attorneys with a huge staff of helpers and paralegals. While some of these mills are well-run, it doesn’t change the fact that working with these companies means that you likely won’t see or talk to your lawyer until court day, and that most of the process will be handled by associates. Your best decision is to choose an attorney that can sit down with you, truly listen to you and understand your unique case, and work directly with you through the entire process. Our bankruptcy lawyers are local to Philadelphia, available 24/7, and offer a free consultation to make sure we truly understand your case before you make any decisions. 

Consider Reviews of Other Clients

When choosing a bankruptcy attorney, don’t be shy about checking out their previous reviews, asking your friends and associates about their experiences if they’ve pursued a bankruptcy, and asking the law firm for proof of credentials. While it can seem somewhat embarrassing to admit to anyone that you’re facing financial difficulties, bankruptcies are growing more common by the day and are certainly nothing of which to be ashamed. Bankruptcies are one of the best financial tools for Philadelphians to achieve financial freedom from their debts and creditors.

Let Us Help You

If you’re looking for an experienced attorney that can manage your bankruptcy, we are proud to be available to help. Our law firm focuses on both Chapter 7 and Chapter 13 bankruptcies, and we can help you on the path to financial freedom. Contact us today to learn more about what we offer and how we can help you achieve a better financial future.

The attorneys at Sadek and Cooper Law Offices have handled thousands of Bankruptcy cases in Philadelphia and the surrounding counties of Montgomery, Delaware, Bucks, and Chester. We are also licensed in the State of New Jersey. Contact us today to schedule your free consultation at 215-545-0008. 

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Do you still have questions and need more help with bankruptcy, foreclosure, or other debt relief strategies? Use the below form to request a free consultation with the one of our experienced attorneys.