Select your attorney carefully. Ask friends or relatives if they know of an attorney who has handled Chapter 7 or Chapter 13. Contact the bankruptcy judge's office in your area and ask for the names of several attorneys in your area who file Chapter 7 and Chapter 13 cases. Look in the Yellow Pages of your telephone book. After attorneys have been listed individually, they are sometimes listed by designated areas.
Some attorneys designate family law, debtor law, taxation or other specialties.
Look to see if names are designated under consumer and debtor law. When your debts are high and your monthly income is not enough to cover the payments, the Federal Bankruptcy Code offers two solutions as the last resort. Your debts will be settled by selling your assets when filing bankruptcy. Under the wage-earner's plan you may keep your assets while paying back your debts. The road to financial recovery takes a total commitment.