The news of the past months on the increase in bankruptcy, over 20% from the calendar year last year, merits mention for Texas residents. The bad news is bankruptcies are on the rise. While bankruptcies and foreclosures have affected the lives of all of us in some way, in Texas, perhaps surprisingly, bankruptcies and foreclosures are much less common than in states such as California and Florida.
Of course, California has the most bankruptcies because of its population, but the number of foreclosures is quite high. While in Texas the rates of foreclosure are 1 in 800, California and Florida are being hit by 1 in 200 and 1 in about 170 respectively. (In other words, 1 person in 200 who owns a home in California is foreclosed on, while only 1 person 800 who owns a Texas home loses it to foreclosure.) Because of the danger of foreclosure, and the dangers of waiting too long, lawyers are more in demand.
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Unfortunately the demand for lawyers is creating a climate for mistakes to be made. Too often Texas residents and citizens nationwide make the mistake of going with a referred lawyer, the friend of a friend, the cheap lawyer, or the lawyer who promises you the world. What should in fact be looked at is experience.
What Experience Means to You
Experience means you can get immediate help, have all your questions answered, know what is expected of you, have all documents filled out correctly, and discharge the most debt while protecting your property and assets.
Experience in and out of the court room is always important for a lawyer too. You may be dealing with some major creditors who take an interest in your case. You may be in danger of losing major assets such as your home and car. Your lawyer is protection against these situations. An experienced lawyer can handle all creditors for you, be your voice to your Texas trustee, and best protect your possessions.
Why Experience is Worth It
Experience does cost more in some ways, but really you are saving money. Experience is more than worth the extra fee because you're going to save money in the long run. If your Texas bankruptcy lawyer makes even one simple mistake, it can cost you time and money. If they make some big mistakes, or if you get simply a poor service from them, you may have to fire him or her and start over.
Why Experience Saves You Money
How does an experienced Texas bankruptcy lawyer save you money? You're paying more money for experience, right? Actually, the best bankruptcy lawyers save you far more than they charge you. It's clear you are not in a good financial state if you're filing bankruptcy, therefore lawyer fees are quite low. But if you have $100,000 in debt, whether medical or credit, and you're getting harassed every day, how much would you pay to make that debt disappear? If you have a $200,000 home and a $20,000 car in danger of being taken, how much would you price saving it? Go lower than you're thinking. An experienced Texas bankruptcy lawyer charges from $1,000 to $2,000. For the service, the price is great.
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