Hire a Bankruptcy Attorney or Represent Yourself?

If you are filing for bankruptcy, you have the choice to represent yourself or hire a bankruptcy defense attorney in Delray Beach or your residing area. If you choose to represent yourself, one benefit is that you will most likely save in attorney’s fees. 

However, you will need a general understanding of the legal process and of the laws pertaining to your situation, even with the most straightforward case.

Court proceedings can be confusing even without the onus of dealing with bankruptcy. Additionally, bankruptcy laws are extremely complex. As a result, it is recommended to hire a bankruptcy attorney to make filing for bankruptcy easier, quicker, and in some cases, more cost-effective. In this article, we will further explore the benefits of hiring a bankruptcy defense attorney in Delray Beach.

Higher Chance of Eliminating Debt 

An experienced attorney understands the bankruptcy filing process, has the knowledge needed to take care of the legal paperwork, ensuring that it is filed in a timely manner, obtain necessary documents and deal with creditors. All of these things make it so you have higher chances of actually getting the results you want. Going in and not being prepared or not knowing what to expect makes chances high that you’ll cause a delay or some other error that results in undesired results. 

Furthermore, filing for bankruptcy requires knowledge of the federal code and local case law, such as bankruptcy laws in the Southern District of Florida. An experienced bankruptcy defense attorney in Delray Beach is up to date with current laws and is familiar with courtroom proceedings.

Helps You Decide the Best Option

Should you file for bankruptcy, or is there a more practical route? 

Many individuals who are drowning in debt believe that bankruptcy is their best course of action, but this isn’t always the case. By hiring the Law Offices of John E. Mufson for bankruptcy help in Delray Beach, your attorney will review your finances and provide recommendations. You may be able to manage your debt by selling off assets or negotiating with your creditor. There are many avenues you can take, and your attorney will help you choose the best one to prevent bankruptcy and save your credit.

However, if there is no alternative to bankruptcy, you still have important decisions to make. Depending on your financial situation, you will most likely need to file for Chapter 7 or Chapter 13 Bankruptcy. They each serve different purposes, so if you are unsure which to file for, your attorney can help you choose the best option.

Protection from Creditors 

Anyone who has had debt knows that creditors can be merciless. Once you have hired a lawyer, you can inform debt collectors to send their phone calls to your attorney’s office. Once you have filed for bankruptcy, you will be granted an automatic stay, which prevents creditors from harassing you by collecting a debt.

Peace of Mind 

When you no longer have to deal with creditors, worry about handling paperwork, and research bankruptcy information, you will begin to feel less burdened and that can make a significant difference. 

By hiring a bankruptcy defense attorney in Delray Beach, you no longer worry about:

  • Making mistakes, such as filing for Chapter 7 instead of Chapter 13
  • Negotiating with creditors to provide you with more time to get the money together
  • Prepare for the bankruptcy case and deal with the uncertainty of what to expect

Your experienced attorney will be at your side every step of the way. This peace of mind, especially during a stressful time in your life, will go a long way.

Contact the Law Offices of John E. Mufson

Attorney John E. Mufson has more than 25 years of experience in providing bankruptcy representation and debt relief services to individuals and small-business owners in Palm Beach County. He has filed more than 2,000 bankruptcy cases in South Florida. 

A large portion of his practice consists of representing consumer debtors and businesses who file under Chapter 7 or Chapter 13 of the bankruptcy code. The office also assists individuals with workouts with creditors, mortgage foreclosures, and credit card lawsuits filed by creditors. Contact us today for a consultation.