When I decided to file for chapter 7 I hired the first attorney I spoke with (very big mistake), he had outstanding online reviews and seemed reputable.
It took me 3 months to pay him in full. After the last payment (strange) this attorney called me and said chapter 7 would not be possible and I would have to do a chapter 13. I knew from my limited knowledge and research that something was not right, we went back and forth, things got a little heated, and he basically said if I could find a better lawyer then he would refund me all my money. I agreed, and we parted ways.
This time I talked to four different attorneys (all agreeing that chapter 7 was possible). I finally hired the one who I felt most comfortable with. I gave him all the documents he requested, we filed, had the 341 meeting and I sit here today holding my letter of discharge.
If I didn’t do my research beforehand and believed the first attorney I would be done. I really don’t know what I would have done. I would have lost everything.
What I’m trying to say is shop around, most bankrupt attorneys give free consultations, don’t hire the first one you speak to, that was my biggest mistake and it could have cost me everything.
I still wonder why the first attorney was so adamant about chapter 7 not being possible? Was he not knowledgeable? Like I said he had phenomenal online reviews. Was he trying to make money by pointing me toward a chapter 13? I’m in NJ if that matters.
Thanks for reading.
It took me 3 months to pay him in full. After the last payment (strange) this attorney called me and said chapter 7 would not be possible and I would have to do a chapter 13. I knew from my limited knowledge and research that something was not right, we went back and forth, things got a little heated, and he basically said if I could find a better lawyer then he would refund me all my money. I agreed, and we parted ways.
This time I talked to four different attorneys (all agreeing that chapter 7 was possible). I finally hired the one who I felt most comfortable with. I gave him all the documents he requested, we filed, had the 341 meeting and I sit here today holding my letter of discharge.
If I didn’t do my research beforehand and believed the first attorney I would be done. I really don’t know what I would have done. I would have lost everything.
What I’m trying to say is shop around, most bankrupt attorneys give free consultations, don’t hire the first one you speak to, that was my biggest mistake and it could have cost me everything.
I still wonder why the first attorney was so adamant about chapter 7 not being possible? Was he not knowledgeable? Like I said he had phenomenal online reviews. Was he trying to make money by pointing me toward a chapter 13? I’m in NJ if that matters.
Thanks for reading.
Bankruptcy Tutor
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