The most important thing in any bankruptcy proceeding is the protection of the debtor’s rights. When a dispute involves money, things can get heated. The creditors demand the right to collect the debts as fast as they can. The courts only intervene when the debtor and the creditor cannot agree on a mode of payment and this is where you should consult a lawyer. The most a creditor can do is to give the debtor a bad credit rating, but to harass the debtor so that he pays the debts as soon as possible is an infringement of his rights. This is the time to call a lawyer if you want your rights to be respected.

The easiest case is the Chapter 7 of the Bankruptcy law. This involves unsecured debts like credit card, telephone bills, utility bills and medical bills.

The first thing a lawyer would like to know is the reason for the filing for bankruptcy? The main reasons why people contemplate filing for bankruptcy are the following; garnishment, harassment from creditors, property repossession and foreclosure, lawsuits, illness or disability, suspension of license to work, divorce settlement or the loss of income. The lawyer would like to know the type of loan that the debtor has incurred. Most unsecured loans fall under this type: credit or store cards, personal loans given by individuals, child support cases, student loans for students, auto loans, mortgages, income taxes, salary loans and medical bills. The lawyer wants to find out what properties the debtor has and which of these properties are mortgaged? The lawyer would also need to know the debtor’s source of income.

Many people who go into deep debt are those whose incomes are small or meager. These are the people who are employed full-time, employed part-time, receiving social security benefits, pension/retirement, and child support/maintenance.

If the debt is a medical or utility bill, it is the question of just reviewing the debtor’s rights under the law. If the debtor is covered by some sort of insurance, the insurance company will pay for these medical bills. However, if the collection attempt has already gone to the courts, the expenses will increase substantially because the lawyer has got to attend to the tedious legal processes in the courts.

Due to the great number of bankruptcy cases that are being filed under the bankruptcy laws, bankruptcy cases are handled by specialized bankruptcy courts. Because of this specialization in bankruptcy cases, the bankruptcy judge has a lot of experience in handling bankruptcy cases and is acquainted with every trick of the trade to expedite them. Hence any experienced bankruptcy lawyer knows how a case will fare in court and how long it will take to arrive at a court decision. The object of creating specialized bankruptcy courts is to expedite the cases as fast as possible so it will be at a minimum cost both to the debtors and the creditors.

Some lawyers charge a flat fee depending on his estimate of the complexity of the case, while other lawyers charge a per hour fee. For clients who are very detailed in their work, a fee based on the hours worked is more advantageous than a fee based on the estimated total time of the work. This means that the client will save some cost by doing some things himself rather than entrusting everything to the lawyer. However, for a client who does not like to be bothered about things, he has idea of a flat fee that would enable him to attend to things which he can do best and let the experts worry about his case.

The Sacramento Bankruptcy Attorney will definitely help those people if they have filed for bankruptcy so that, the common people do not get over burdened with the debt which will be impossible for them to pay back.
Click here for Bankruptcy Attorney Sacramento.

If you are looking for the best person to advise you on business liquidity issues and insolvency, the best person to do so is a business bankruptcy attorney.
Visit http://www.voklaw.com/ for more details.

Author Bio: The Sacramento Bankruptcy Attorney will definitely help those people if they have filed for bankruptcy so that, the common people do not get over burdened with the debt which will be impossible for them to pay back.
Click here for Bankruptcy Attorney Sacramento.

Category: Legal
Keywords: Sacramento Bankruptcy Attorney, Bankruptcy Attorney Sacramento, Sacramento Bankruptcy lawyer