Bankruptcy is becoming a much more popular alternative to foreclosure and repossession. Unfortunately, the number of people who have to resort to filing bankruptcy is extremely higher than it used to be a few years ago. This is largely due to the state of the economy, but also due to people living beyond their financial means. This is particularly an issue in California. If you live in Southern California and believe that filing bankruptcy may be the best option for you, you might want to consider hiring a San Diego bankruptcy lawyer.
The first step in designating your criteria for a lawyer is to research the different "chapters" of bankruptcy to determine which type is best for your situation. This knowledge isn't absolutely necessary for your search for a San Diego lawyer-most good bankruptcy lawyers would be able to assist you in figuring this out-but it would definitely help to minimize your search results to lawyers who have particular experience dealing with the same chapter of bankruptcy that you need to file.
Something you might want to put an excruciating amount of research into is the background of your lawyer. Your lawyer should obviously be licensed to practice law in the State of California, and he needs to have experience in bankruptcy law. Make sure to verify the lawyer's qualifications (San Diego County Bar Association) and inquire how long he has been practicing law. You want a seasoned lawyer who is not only confident in your case, but confident in his abilities and experience to see your case through.
Keep an eye out for lawyers offering free consultations. It sounds simple, but the cost of a consultation can be pricey, and a free consultation not only saves you money, but will make you feel less pressured to choose an attorney that you might have doubts about. (You don't want to be stuck thinking, "I kind of liked the other lawyer better, but I paid $95 for this consultation...") Also, be sure to inquire about the lawyer's fees, any money that is required up-front, court costs, etc. Being stressed about bankruptcy is one thing, but you don't want to add strain on your nerves by being worried about your lawyer's capabilities-so make sure you take your time and select the representative that you feel will handle your San Diego bankruptcy case the best.
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