Finding an Attorney – Know Some Basics

At some point in life, just about everybody is going to need an attorney for something. It may be as mundane as signing finance documents to close on the purchase of a home or writing a simple will to issues as serious as accident liability or criminal defense. Whatever the situation, it is important to have wise and competent counsel. The problem is, most of us don’t need the services of an attorney very often, may not know one, or know how to go about finding an attorney that’s right for you. Like most things in life, the more you know and the more you are prepared the better. Selecting an attorney is no different. Let’s start at the beginning and work through the process.

It may sound simple, but the starting point should be to define if and why you need an attorney. There are times when not having one, or putting off contacting one, can actually make things worse. Don’t fall for ads claiming you can write your own will, handle your own divorce or set up your own Limited Liability Company (LLC). It may be possible to so with some of the packages that are offered, but what you don’t get is important legal counsel to advise you of any legal vulnerabilities, how to be sure your rights are being protected or whether those documents will stand up if challenged in court. There’s some truth to the old axiom, “A person who acts as his own attorney has a fool for a client.”

Once you’ve defined why you need an attorney, decide what type of attorney you need. Some attorneys are “general practitioners” while others are specialists in one particular area of law. If you are going to be involved in a personal injury case or a divorce, it may be wise to seek out an attorney who has experience specializing in that area.

Finding the right attorney is going to take a bit of work on your part. You can always start by checking the Yellow Pages or web sites, but the most effective means is to ask people you know or professionals in your community for referrals. You can also check with the state bar for a list of attorneys in your area as well as consult a legal referral service. Whatever you do or however you begin your search, you must do your due diligence. The more you know, the more satisfying the results of your search.

When you’ve narrowed your list of potential attorneys, the next step is to begin contacting them. That contact may be made by phone, or by scheduling a meeting, and many attorneys don’t charge for a “first consultation.” However, before scheduling such a meeting, be sure you understand whether there will be any fee involved. Through the process of choosing an attorney, remember that you are the consumer purchasing their services. Don’t be shy about asking questions. It’s always best to be a smart consumer.

During your search and consultation meetings, be prepared and specific about your expectations. If there are any documents that pertain to the situation you will be discussing, have them with you should they be needed for reference or verification of information. It is also a good time to talk about the attorney’s fees. Depending on the case, fees may differ. Some examples are:

Hourly: Many attorneys base their fees on an hourly rate. This can vary significantly depending on the experience of the attorney and the size of the law firm.

Flat Fee: Some cases may be charged a flat fee. For example, a simple divorce, bankruptcy or basic will may be handled for a set amount with any additional charges added like mileage or court fees.

Retainer: There may be times when an attorney asks for a certain amount up front to work as an account to draw against as the case progresses. In other instances, like for a business, an attorney may be retained on a continuing basis for an agreed upon fee.

Contingency: In this case, the attorney receives a percentage of the judgment as the fee. This is most common in personal injury and liability cases. The fee is paid once the court has set the judgment. If the judgment does not go in your favor, there is no fee.

Be sure you understand and agree to the fee schedule before signing an agreement with an attorney.

The last step in choosing an attorney is interviewing, checking credentials and references. When you hire an attorney, think of it as hiring an employee. In many ways, that’s what they are. They are working for you. Don’t be afraid to ask questions. Ask about other cases they have had that are similar to yours and what was involved in the case. You need to know what the attorney’s previous experience is. He or she may have been practicing law for twenty years, but they may not have extensive experience with cases like yours.

Ask for references. A reputable attorney will not have a problem with this as long as giving you such information does not breech any attorney/client privilege. It may not be out of order to ask what the attorney’s success rate is. In some instances it may help give you an impression of their skill or complexity of the cases they handle. Ask what percent of the cases handled by their firm is normally devoted to cases like yours.

Be prepared to answer personal questions that may be relevant to your case such as information regarding your finances, marital status, lifestyle or criminal record. Should you be asked such questions, be truthful. Your attorney cannot be effective if you don’t tell them the truth, even if it’s embarrassing or you think it may hurt your case.

There can be a great deal involved in working with an attorney when you need one. It is important to find one you feel comfortable with and trust. Taking the steps discussed above is by no means a comprehensive list of everything you may need to do to select an attorney that is just right for you, but it will give you a good start.

Remember to be proactive, do your due diligence in your search and don’t be afraid to compare and ask questions. Choosing the right attorney is a big decision, but one that you can make with confidence when you have done your research and come prepared.

Stand-In Attorneys Don’t Hold Water in Some Courts

Today with the increased bankruptcy filings throughout the Nation, attorneys are changing the way the run their practices. The model that is being developed does not sit well with many including the courts.

When a client comes in and meets with an attorney and then signs a representation agreement, that may be the last time, the file or that attorney even touches the file. Clients need to be sure to question the attorney to be sure that the attorney is doing more than meeting and turning over the file to an associate or paralegal. It is also key to ask whether that attorney will appear with you in Court matters, e.g. Meeting of Creditors.

The Courts have noted that they do not approve of this “model” of attorneys office practices.

In a recent opinion by Judge Jeff Bohn (Consumer Bankruptcy News – Volume 23, Issue 19) he stated:

“The use of appearance attorneys deprives clients… Such a practice is insulting to the client, the Court, and the principles upon which the judicial system is built. Attorneys are not fungible. Attorneys are not all equal to each other, either in their courtroom abilities, their understanding of the law, or in their communicative skills.”

Clients choose a firm and an attorney for a reason, and clients have a right to be represented by the attorney of their choice during all portions of their case.

The justification for certain consumer bankruptcy attorneys that their business model will not work unless they are allowed to use appearance attorneys HOLDS NO WATER with this Court. If a firm’s business model conflicts with the professional standards of the legal profession, the former must give way to the latter.”

Be sure to ask when you interview or have your first meeting with an attorney, who will be handling my case?

  • An assistant,
  • Another attorney,
  • Appearance attorney???

When an attorney takes a case, they should initially meet with the client to understand and become familiar with the client’s needs. After that time, a Representation Agreement is agreed upon and signed.

As for Bankruptcies, there are many important deadlines and criteria to meet to finalize what type of bankruptcy is right for the client. During this time, a learning period begins for the attorney where he/she becomes very familiar with the case and interacts closely with the clients.

As the information and data are collected from the client, the attorney is able to fully understand not only the client but also the details of the case. Most of the time, there is a great deal of interaction between the client and the attorney. Much is learned about the client’s financial situation, spending habits, debts, how the debts occurred and the household income, etc.

At the 341(a) Meeting of Creditor’s is scheduled, the attorney presents his client to the Trustee and is there to assist and explain the petition that was put together for the client.

If an attorney who worked on the case does not come to Meeting of Creditors but sends an alternate attorney, how can that alternate attorney/stand-in attorney provide the proper representation and support to that client?

I don’t recommend having someone stand-in for an attorney when dealing with bankruptcy cases. Do you?

Cost of Filing Bankruptcy Using Attorney – Why Debtors Can Better Afford Bankruptcy Without Attorney

Bankruptcy: costs of filing bankruptcy with attorney, versus cost of filing using Bankruptcy Petition Preparer.

Under the current U.S. Bankruptcy Code or law, the system provides essentially TWO basic categories of outside assistance that a debtor filing for bankruptcy may use – assistance provided by an attorney, and assistance provided by a non-lawyer. And both of these parties come under what is called “Debt Relief Agents or Agencies.” Basically, the non-attorney assistance provider, who also goes by a name such as Bankruptcy Petition Preparer (BPP), preparers the documents upon which bankruptcy is filed with the Court for bankruptcy processing, while the attorney (or, more accurately, the help he hires that does such work) prepares the same set of documents, EXCEPT that the lawyer assistance-provider can supposedly give a debtor “legal advice,” and can appear, on the debtor’s behalf, in the administrative hearing on the bankruptcy case administered by the Court “Trustee” (who is not a Judge, but a court-appointed administrator) that will oversee the bankruptcy case.

Alright, How Do the Services and Fees Compare, Between the Bankruptcy Attorney and those of the Full Service bankruptcy petition preparer?

But what are the Costs of filing Bankruptcy using Bankruptcy attorney? Can debtors afford bankruptcy without lawyers? And, is there really any real, tangible, legitimate difference for the DEBTOR, both qualitatively and nominally, between the Full Service bankruptcy assistance that online-based non-attorney BPP agencies provide debtors, and that which is provided by online bankruptcy attorneys to debtors?

One view of it, popular in certain quarters among non-attorney online providers of bankruptcy filing assistance, is simply that there is “no difference,” or “little to none,” in terms of the actual or qualitative value of their work products for the debtor. The principal argument is that for each side, the actual, principal work that each side does or turns up for the debtor – the relatively simple but time-consuming, paperwork required to be prepared for the debtor’s use in filing for bankruptcy – is more or less basically the same content and quality for the non-lawyer prepared document, as it is for the lawyer prepared. In each case, the argument goes, the same set of documents are turned up by people who are seemingly experienced and trained or skilled in document preparation, and, in deed, in many real instances, are one and the same paralegals who work, or might have previously worked, for the bankruptcy lawyer’s office or the non-lawyer document preparer’s company. Or for both.

But, in any event, in the final analysis, the finished bankruptcy documents that both sides, the lawyer as well as the non-lawyer, provide the debtor, are generally the same and of the same quality. The Bankruptcy Courts generally accept them, process them, and act on them, just the same! In deed, it is a specific provision in the Bankruptcy Code that authorizes and sanctions that such persons may prepare such documents, and not just lawyers!

The Prices the non-attorney helper charges and what the attorney charges for Bankruptcy work

To a hard pressed and destitute debtor, the vexing, bothersome issue, is what justification, then, is there for the great disparity that exists in the prices the bankruptcy lawyers charge for bankruptcy work, relative to what the non-attorney bankruptcy document preparers charge for turning up essentially the same work for the debtor? Bankruptcy lawyers would, of course, advance all sorts of convoluted arguments and conceive all kinds of fancy justifications in defense of their extremely higher and disproportionate charges. That aspect, however, is a matter for another place and another day for us.

But is it a matter of no bankruptcy attorney, and cheap, low-low cost bankruptcy? For the benefit and information of debtors contemplating bankruptcy, just so you’ll at least have an idea, here are the differences in prices between what the non-lawyer assistance-provider charges, and what the attorney assistance-provider charges.

NON-ATTORNEY BANKRUPTCY HELPER’S SERVICES & PRICES

Service: In full Service bankruptcy work, the service of the non-lawyer debt relief agent or agency basically involves their staff gathering the various documents and required tons of papers and information together, and orderly arranging them and preparing all the legal forms and paperwork required by the debtor to file for bankruptcy with the bankruptcy court. For the better ones among them (they are not at all equal, some are far better than others, and quite a number of them are just about worthless!), these agencies use workers who are often highly trained and experienced paralegals (they average several years of work and/or training in the industry), and who are skilled at the preparation of legal documents and bankruptcy papers, and are often well versed and knowledgeable in bankruptcy filing law and procedures. With the Full Service bankruptcy petition preparers (at least those of them who are of the reputable and better categories), the debtor tends generally to get a better service and greater attention, and more one-on-one interaction for his or her case, along with the obvious far lower prices.

The Charges. There is usually a ONE-Time PAYMENT ONLY amount. One of such agency’s charge, for example, is $239 for a Chapter 7 bankruptcy; and $359 for Chapter 13. The price charged by these agencies tend strictly to follow an honest, upfront pricing that’s based ONLY on “per project,” rather than on “per hour.” (That’s in contrast to the attorneys’ charges, which are frequently based on “per hour” hourly rate).

This means that, once a reputable Bankruptcy Petition Preparer (BPP) takes any case from a debtor, you pay the BPP Agency, assuming it’s, say, a Chapter 7 case, just $239, and NOT a penny more on it, ever – no matter how many creditors you have (whether they’re 10 or 20, or 200), or you happen to start out with 10 creditors, but turn up 100 or 200 more later. Or, you have to file some additional papers to get some of your secured debts “affirmed” so you can keep, say, your car, etc. YOU JUST PAY THEM NOT ONE PENNY MORE. PERIOD! Thus, for most debtors, bankruptcy with no bankruptcy attorney assistance, offers the debtor low-low affordable costs and rates and is the only way to go.

The Time line. For the credible BPP, it takes an average of roughly one to two days to crank out the prepared, almost completed package of bankruptcy documents for, say, a Chapter 7 case filing (in a case, that is, where the debtor has hastened and substantially provides them the required financial information and documents necessary to do the papers). As a matter of policy, however, the BPP will hold off furnishing the papers to the debtor right away just so that the finishing touches, corrections and proper checking can be made before the debtor gets them. Bankruptcy, file with no bankruptcy attorney?

THE BANKRUPTCY ATTORNEYS’ SERVICES & PRICES

Service: What the bankruptcy lawyer (that is, the one who is competent and knowledgeable in bankruptcy, as not all attorneys are so equipped) does, is essentially akin to the Full Service bankruptcy type of work that the non-lawyer assistance-provider provides. Here, this involves the lawyer – or, more accurately, a staff of paralegals the he or she might have hired to actually do the work – gathering the various documents and required tons of documents and information together, and orderly arranging them, and preparing all the legal forms and paperwork required to file for the debtor’s bankruptcy with the bankruptcy court. As with the case of the non-attorney Full Service paper preparation providers, these workers who directly do the papers (the ones who are the persons that actually do the work in the lawyers’ the lawyers), are often highly trained and experienced paralegals (average several years of work and/or training in the industry) who are skilled at preparation of legal documents and bankruptcy papers, and often, well versed in bankruptcy filing law and procedures.

Furthermore, in terms of quality of service, with the lawyers, within the ranks of the lawyers who do bankruptcy work in the current times, those who file the bulk of the bankruptcy cases seem to be what one practicing bankruptcy lawyer, Jonathan Ginsburg, the Atlanta Georgia, calls “high volume filers.” These lawyers file 100 to 500 or more bankruptcy cases per month, using largely paralegals and some younger lawyers to do the paperwork, and for one thing, such high volume filers have a reputation for not offering much in the way of personal attention, but charge somewhat smaller fees relative to the “boutique” bankruptcy lawyers (those who file more limited number of cases) – a “smaller” amount of fees which Attorney Ginsburg admits, however, often still “appear to be too expensive” for some people “even [with] the lower fees and generous terms” that such volume filers think their charges represent.

Lawyers’ Charges: For Chapter 7, there’s the “initial” charge of $2,000 – 2,500; and for Chapter 13, the “initial” charge of $4,000 – $4,500. Unlike the BPP’s prices which strictly follow an honest, upfront pricing that’s based ONLY on one-time-only “per project” basis, the attorneys’ charges are frequently based on “per hour” hourly rate. (For example, the attorneys’ “per hour” hourly rate charge, was given as $228 (per hour) for their services in 2002, according to a respected independent research study, the 2002 Survey of Law Firm Economics, made by Altman Weil Pensa Publication).

Further more, as a rule, the lawyers’ fees for bankruptcy (the same, as well, in other issues) vary from lawyer to lawyer, and from one location to another location, even from a lawyer in one block to another lawyer just in the next block. The original charge (it’s usually referred to as the “initial” charge) you’re quoted by the lawyer, is often only for the run-of-the-mill, routine kind of case – the simplest, most ordinary kind of bankruptcy there is. So, if it turns out that you have, say, more creditors than the “average” (say, above 15 or so, depending on which lawyer or what part of the country), it will mean additional charge slapped onto your “initial” quoted charge. And, it can cost even more if it’s a “complicated” case in the lawyer’s opinion.

And further, God-forbid if there’s “litigation” or some creditor challenge to a debt, that means additional cost for you, a BIG one. If you are in a high-priced urban area, that alone will almost certainly guarantee more cost for you in filing for bankruptcy. Also, your lawyer will generally want his payment made IN FULL and upfront before he’ll represent you, especially if it’s a Chapter 7 case.

The Time line. Lawyers generally take an average of 2 to 3 weeks (if not more) to do the bankruptcy paper work for Chapter 7.

BOTTOM LINE:

In sum, for you as a debtor, what you should know is that bankruptcy lawyers’ generally make the allowance for themselves so they’d be able and in a position, after the “initial” fee shall have been paid them, to tack on additional fees beyond the “initial” fees you are quoted when you first signed on. The fee you are quoted by a lawyer in a bankruptcy case (even if you view it as excessive, already), may not be – and is often not – the final charge; you may still have to pay more. And probably will, generally!

Not so, though, with the non-lawyer bankruptcy assistance provider. Here, in contrast, that same very EXACT amount you’re quoted on day one, is the final and ONLY charge you’ll get, almost always, from them on the case – ever! PERIOD! The motto seems to be, no bankruptcy attorney & cheap, low-low cost bankruptcy!

Do you do your bankruptcy filing using the no attorney bankruptcy assistance, or the attorney?. What do you think?

FURTHER INFORMATION
For more on the details of the fundamental differences between the bankruptcy lawyer’s differential services, costs and benefits to the debtor, as compared to those provided the debtor by the non-lawyer helper’s services, or to find out how you or any others may use the services of one of the major non-attorney Debt Relief Agencies in the field of bankruptcy filing to file for your own bankruptcy, please visit this website: http://WWW.Afford-Bankruptcy.Com