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People who need financial relief can visit a bankruptcy attorney for consultation visits. These visits do not obligate them to file for bankruptcy, but they provide information and legal advice for their situations. If you have so much debt that you cannot repay, you might want to visit a bankruptcy lawyer for advice. If you decide to do this, here is what a bankruptcy consultation visit involves.

You Explain Your Situation

You can research bankruptcy law online or call a lawyer to speak over the phone, but you will likely get more out of an in-person consultation. During this meeting, you can explain your situation to the lawyer. To prepare for this, you should create a list of your debts, including every bill you have. Additionally, you might want to bring your income information from the last six months. By providing this information and explaining your situation, you will receive clear and straightforward advice from the lawyer. The lawyer can provide more information to you if they have all the necessary information.

The Lawyer Discusses Your Options and Makes Recommendations

After hearing your situation and reviewing your income and debts, the lawyer will discuss your options. Most lawyers explain Chapter 7 and Chapter 13 to people who come for consultation visits. You can learn about both branches and their differences, plus you can find out which is the best option for you. You can also find out why the lawyer recommends one branch instead of the other for your situation. Without a lawyer seeing your information and hearing about your finances, they will have difficulties giving you clear guidance with your options.

You Find Out the Answers to Your Questions

This visit also helps by providing time for you to ask questions. Before you attend the meeting, you might want to write a list of questions to ask. Here are some questions that people ask during consultation visits:

• How much does it cost to file?
• How long is the bankruptcy process?
• Should you keep paying your debts if you decide to file?
• Will filing affect your credit?

Making a list of questions like these can help you get all the answers you need to make the best decision for your situation.

If you cannot afford to pay your debts, seeking advice might be the best option you have. You can learn more about bankruptcy by contacting a law firm to schedule an appointment with a lawyer.