Why? The plan is too much for the people. The secret is to bluntly ask your attorney how many of their Chapter 13's end up failing or converting to a Chapter 7.
Many People Might Want to Consider Chapter 7 First
The Dirty Secret is that many times someone comes into an attorneys office thinking they have to file a Chapter 13 - the attorney doesn't determine if this is really true (because it usually pays more money!) when in reality they could be better served by a Chapter 7 (which is usually cheaper overall).
A Chapter 13 May Cost More Than You Realize
Make sure to ask the attorney the bottom line! They may say, don't worry about it, it's taken care of in the bankruptcy - you're still going to pay it! So there is a big difference to "your" bottom line is its 2500 vs 4500. Find out in advance if you are going to have to pay additional fees to the attorney after filing.
The Attorney You Hire May Not Actually Represent You
If you're paying for the head attorney, make sure he/she is going to be there with you when you have to go to court and not someone that you haven't met and is unfamiliar with the case.
There May Be Other Options
Sometimes it might be as simple as downsizing. For some it may just mean giving up the 4,000/month mortgage payment and renting at 1,000 the same type of house in the same neighborhood.
Our Rating is calculated using information the lawyer has included on their profile in addition to the information we collect from state bar associations and other organizations that license legal professionals. Attorneys who claim their profiles and provide Avvo with more information tend to have a higher rating than those who do not.
What determines Avvo Rating?Experience & background
Years licensed, work experience, education
Legal community recognition
Peer endorsements, associations, awards
Legal thought leadership
Publications, speaking engagements
This lawyer was disciplined by a state licensing authority in .
Disciplinary information may not be comprehensive, or updated. We recommend that you always check a lawyer's disciplinary status with their respective state bar association before hiring them.