Understanding the Bankruptcy Means Test

If you are considering the option to file for bankruptcy it could be a wise idea for you to check into the bankruptcy means test. A bankruptcy means test is one of the easiest ways that you can choose the best type of personal bankruptcy that will serve your current debt situation.

With a Chapter 7 bankruptcy, you could face an advantageous situation if you are living with a limited income. A Chapter 13 bankruptcy could help you to utilize your disposable income on a debt repayment plan while protecting your assets and forgiving some of your debt. In order to determine which option would work best for you here is how a bankruptcy means test would work:

Comparing income:

The first step in a bankruptcy means test involves checking your household income versus the household income for your area. If you are household income falls below the average for the area you will likely qualify for Chapter 7 filings.

If your household income is determined to be on average or above average for the area you will need to gather information about your allowable expenses over the last six months. Checking into paying down your allowable expenses and looking into new disposable income that you would have access to could help you to reasonably pay off some of your debt and file for bankruptcy via Chapter 13.

If you are really hoping to file for Chapter 7 bankruptcy keep in mind that the bankruptcy means test is something that you can take every six months after your initial attempt. Waiting six months of taking the test again could ensure that you qualify for Chapter 7 bankruptcy if your income dips below area averages.

This post was written by Trey Wright, a <a href=”https://brunerwright.com/”>bankruptcy lawyer in Tallahassee</a>. Trey is one of the founding partners of Bruner Wright, P.A. Attorneys at Law, which specializes in areas related to bankruptcy law, estate planning, and business litigation.

 

How To Find A Lawyer And Why You Need One

Regardless of which side of the issue you are on, dealing with a legal case is nerve-wracking. A lawyer will help you get some peace of mind. This article will show you how it’s done.

Keep your lawyer on retainer so you can ensure you’re prepared. By having a lawyer on retainer, you will not have to spend time finding an attorney should an issue arise. When you retain a lawyer, you have help when you need it.

Ask your lawyer for an estimate when you decide they’re the one for you. If they say no, walk away immediately. Even if they just give you a range and explain what makes a case more or less expensive, that is good enough. Make sure to get your fee agreement in writing!

If you need a lawyer, you need to make sure you find one that is in the proper jurisdiction. Most of the time you will be able to find a lawyer that is licensed to practice in the state you live in. Make sure they are qualified to practice law within your state.

Look for people who have experienced similar problems and ask them which lawyers they used. Your friends and relatives might be helpful but do not follow their suggestions unless you need a lawyer for the same kind of issues. Use the different resources available in your community, such as support groups.

Find out up front how frequently you should be in tough with your lawyer. If you need them to get in touch with you quickly after you contact them, communicate that to them up front. If you face this problem with your current lawyer, find a new lawyer at your earliest convenience.

Try to find a lawyer that has a high percentage of cases with the situation that you are dealing with. For example, if you are going to court for tax fraud, you will want someone who specializes in this sector or at least has a lot of experience under his belt. This will help maximize your chance of victory.

See how prospective lawyers react to your personal requests. The key to a great lawyer is being willing to accomodate the needs and desires of their clients. If you come across a lawyer that is not interested in fulfilling this, then you have been given sufficient warning that you should find someone else to represent you.

The Internet can be your best friend in helping you find a suitable lawyer. Most lawyers and law firms maintain an updated, detailed website where you can find more information about their services and credentials. Therefore, look at their firm’s site. Be sure to check for professionalism. If the website seems amateurish, it can be a sign of an inexperienced lawyer.

It is hoped you now have information about how to best deal with legal proceedings. Find a great lawyer, then do as that person says. If you have a good lawyer, your matter will go much more smoothly. For more information on click here: http://www.equallaw.us

Everything You Need To Know About Hiring A Lawyer

Do you need legal advice? Are you looking for someone to stand in your corner and fight for you? If so, you probably need to consult with a lawyer. Choosing a good lawyer and working with one you trust isn’t always easy. But with the tips shared here you should be able to find a lawyer to fit your needs.

When you think about hiring a specialized lawyer, do you worry about the associated increase in fees? Well, what are you willing to pay for a positive outcome? Consider the cost of losing! Also consider that the savings in time of a specialist over a generalist will save you money, lowering the total bill.

It is important that you stay in contact with your lawyer. Lots of attorneys work for clients without speaking to them for a while. Getting a schedule put together in the beginning will assist you in the future.

You should establish a budget before you start looking for a lawyer. Go over your finances and assess how much you can afford to spend on a lawyer. You should not let lawyers know about your budget when you ask for quotes but this is a good way to narrow down your research.

There are some cases where you can represent yourself without an attorney, but most of the time you should get one. There are many things that a layman does not understand about the law, which is why you should hire a lawyer. You don’t want to lose your case due to a lack of common legal knowledge when you could have hired someone.

Be skeptical if a lawyer wants you to pay a sizable retainer in order to take your case. This may not be given back to you at the end of your trial. Talk with other lawyers if the initial costs are too high and the lawyer won’t work with you.

If your attorney is super-busy, it may be a while before he works on your case. Ask him how much time he can spend fighting for your benefit. A good lawyer will upfront about his schedule and be able to tell you how much energy he can expend on your behalf.

Take written notes anytime you are meeting with your lawyer. Yes, your lawyer is on your side, but you are still accountable for any items that are promised, expected, or forgotten. This is especially true in financial conversations. You’ll want to have as much documentation as possible just in case there are any issues.

Any initial meeting or conversation with a lawyer should include four key questions that you ask them. Is the lawyer experienced in your specific type of situation? Do they charge flat rates or hourly fees? How much do they estimate the total cost will be? How long will this take to fully resolve?

Hopefully you have learned some things about lawyers from this article. Using a good lawyer can make your life much easier. Use the tips you learned here and you can find and use a trustworthy lawyer that will work for you and help you out with whatever you are dealing with. For more information on click here: http://www.lawinformation.us

Practical Tips And Tricks To Help You Select A Helpful Lawyer

Financial advisor explaining investment plans to a young couple.

You’re here because you’re in search of an attorney. Do you know how to find one that meets your needs? You should continue reading this article to learn more about the selection process and how you can ensure that you find the right attorney. It can literally make all the difference in the world.

Before you hire a lawyer, sit down and define the problem that you have. Sometimes, you may find that your situation is not bad enough to warrant a lawyer. Understanding exactly what you are going through can help save you a lot of money over time with a lawyer and court fees.

Do not hire a lawyer that is searching for you. This could be a scam and may cost you more money. Spend some time researching lawyers and get the very best one you can.

Finding a good lawyer is a lot of work. You should put some time aside to do some research and give yourself a few weeks to compare different options. Meet different lawyers to get quotes and ask for advice. You should not expect to find a quality lawyer right away.

It is important to think about the specialty of a lawyer your are hiring. You want to make sure you hire the lawyer you need. You do not want to hire a lawyer that specializes in criminal law to do your estate planning. Choosing a lawyer that specializes in whatever area of law you need, will guarantee you get someone who has a lot of experience in that area and can do a good job.

Discuss clearly with the lawyer what his or her role will be in your case. You want to make sure that they will file all the paperwork that is necessary and explain things to you every step of the way. Keep a journal and note all your interactions with the lawyer in it. This might come in handy if you and the lawyer later disagree on what was said or done in your case.

Once you have decided to hire a particular lawyer, make sure you receive a written retainer letter that specifically defines the scope of representation, the details of the services you are to receive and the applicable fee structure. By doing this, you will stand a much better chance of getting precisely what you bargained for and you will have useful documentation of the intended relationship should you need to pursue the lawyer in a malpractice action at some point.

Know just exactly how much opportunity cost you are giving up when choosing to go to court. Any case takes time, and just how much time depends a lot on the ability of your lawyer. If you choose a young lawyer to save money, you may find that the case takes many more weeks than if you had gone with someone more seasoned. Those weeks can be many hours of lost pay! Do your homework here and make sure the math works out for your choices.

Now that you know what to do when you need an attorney, it’s time to put those tips learned to the test. You can now find the attorney that will help you win your case. Use what you’ve learned, and go out there to get the right one today. For more information on click here: http://www.equallaw.us

Get Just The Right Lawyer With This Advice

Businesspeople working together at meeting table in office.

When you are in search of a lawyer, you must know what you’re looking for. It’s important that you learn about the different tips and tricks to help you secure the right one for your case. Keep reading to find out what you can do to help you make the right choice.

Try to educate yourself on what you are dealing with. You should not be relying solely on the lawyer to plan and construct your case. Obviously, they will have more knowledge and experience dealing with your situation, but if you are prepared, you can work together as a team to get the win.

It is important to think about the specialty of a lawyer your are hiring. You want to make sure you hire the lawyer you need. You do not want to hire a lawyer that specializes in criminal law to do your estate planning. Choosing a lawyer that specializes in whatever area of law you need, will guarantee you get someone who has a lot of experience in that area and can do a good job.

If you have any doubts about a lawyer you interview, find someone who makes you feel more confident. This also includes how comfortable you feel with their fees. Stay away from signing over blank checks to lawyers, especially ones you do not know well. Before you get involved, ask what the costs are estimated at.

It’s important to understand that lawyers cannot wreak miracles. Any lawyer that promises you a winning outcome should be avoided. Law does not come with guarantees, and therefore, you should be skeptical if a lawyer says he or she never loses.

Before you hire a lawyer to take your case, make sure that you look into their credentials. Inquire what law school they graduated from and the states that they took the bar in. This will determine where they are allowed to practice law. You can also look into previous cases that they have won or lost.

When trying to decide on an attorney, make sure to ask about his or her credentials. You may find that certain lawyers have particular specializations. Particularly if you have a complex case, you need to know what each attorney is best at. Keep detailed notes so you can compare and contrast individuals later on.

If you feel like your lawyer is not being up front with you about all of the fees involved, do not think twice about hiring someone else. Usually when lawyers are shifty about financial details it means that they have something to hide. Make it easier on yourself and ask this question right away.

Once you have made the decision to hire a particular attorney, ask if the office employs a legal assistant who could work with you. Many times a legal assistant has the ability to effectively represent a client. This shared arrangement can greatly reduce the full cost of your legal representation.

You are now ready to find the lawyer that is going to bring your case a “win.” Use the tips and advice you’ve learned from this article as you move forward with the selection process. You will be satisfied with the results as you feel like you have the best lawyer on your side. For more information on click here: http://www.lawinformation.us

Become Educated About Lawyers In This Article

It’s time that you found the right attorney to handle your case. As you continue reading, you will see how the selection process can be better narrowed down to suit your needs. You must realize that it’s important that you find the right lawyer, and the “when” is also very important.

Legal proceedings can often be confusing and complicated when you lack a background in the law, so make sure to let your lawyer know when you are confused or if you a clearer idea of what to expect from your trial. He or she should return your calls in a timely manner.

You should agree on how much you will pay your lawyer before hiring them. Ask your lawyer for a quote after explaining what you need help with and sign an agreement. Do not hesitate to contact different lawyers so you can compare quotes and choose a lawyer you can afford.

When you truly need a lawyer who specializes in a specific field, choose one. While you may have a lawyer who you trust implicitly, they may not know enough to truly handle your case in a manner which leads to a positive outcome. Ask that lawyer for who they might recommend instead.

When meeting with your attorney, always ask questions. A good attorney will fully explain what he is doing and will keep you updated throughout the entire process. If not, you need a new lawyer.

When you look for an attorney, be sure they specialize in your kind of case. Lawyers specialize in all sorts of legal matters from real estate law to criminal defense and everything else in between. Knowing in advance what a lawyer specializes in can save a lot of unnecessary phone-call time.

See how friendly the people are in the lawyer’s office. When you call, make a note of how quickly your call is returned and how approachable the receptionist sounds. You can take the hint if the lawyer’s office takes too long returning your phone call.

Don’t hire the first lawyer that you meet. You should meet with a number of lawyers to get an idea of how they operate. This is the only way that you will find one you are comfortable with. Don’t ever settle for a lawyer that doesn’t make you feel comfortable or you’ll regret it.

“When” you find an attorney has everything to do with your “win” for your case. However, it’s not just “when,” but you must remember everything else you’ve read about the selection process so that you have the right attorney for your need. Use the tips you’ve just read so that you can find a good one. For more information on click here: http://www.equallaw.us

A Few Things To Think About When It Comes To Lawyers

There are many different reasons that you might need the help of a lawyer. Perhaps you need to draw up your will, or you need help getting an insurance company to pay a claim. Whatever your reasons may be, you need the best help you can find. Use the following tips to find a great lawyer.

A great tip if you’re thinking about hiring a lawyer is to make sure the lawyer you select answers all of the questions that you have. You don’t want to pick a lawyer who can’t give you a straight answer because you’ll be left in the dark and won’t know what’s going on.

If you go to see a lawyer for any legal reason and they tell you that your case will be simple, you should not hire them. Most legal cases have a lot of things involved with them, so it is not very likely that many cases can be that easy.

What is your problem? Is it really necessary for you to hire a lawyer? If you are going through a divorce, being sued, or charged for a crime, then a lawyer is needed. You may also need an attorney’s expert opinion for a financial or business matter.

A general practitioner is not always your best option. You might have a good lawyer you trust, but do not hesitate to hire a specialized lawyer if you need help with an issue your lawyer has no experience with. Do not hesitate to ask your usual lawyer for a referral.

What you tell your lawyer is confidential. For example, a lawyer cannot discuss key business issues involved in a case with your competition.

You should establish a budget before you start looking for a lawyer. Go over your finances and assess how much you can afford to spend on a lawyer. You should not let lawyers know about your budget when you ask for quotes but this is a good way to narrow down your research.

It is important to discuss fees with your lawyer up front, before signing any contracts with them. Find out the fee structure that they use to make sure that you can afford their services. If it is out of your price range, then you can look around for a more affordable lawyer.

In many ways, hiring a lawyer is no different than hiring any other sort of professional. You just need to take the time to look around and find the person who best suits your requirements. Keep the advice from this article in mind the next time that you need a lawyer. For more information on click here: http://www.lawinformation.us

Follow These Sound Tips To Find The Right Lawyer For You

Despite the fact that our judicial system was set up for the benefit of the common people, no common person can really understand it! That’s when the assistance of an attorney proves invaluable. No matter what your reasons for needing the services for a lawyer are, the following article can help guide you through the ordeal.

A good tip to keep in mind when thinking about hiring a lawyer is to write down several questions that you wish to ask him or her. You want to find out what their philosophy is and so on, and asking questions will help give you a clear idea about them.

Do not hire a lawyer without doing some background research. Look their name up on the Internet and talk to friends or relatives who might know the lawyer you are interested in. It is always in your best interest to choose a lawyer with an excellent reputation and good ethics.

If you believe that you might have a legal case it is a good idea to seek a legal consult before pursuing any action. Many law firms offer a free consultation so make sure that you take advantage of this. This allows you to try out a couple different law firms before deciding on a lawyer.

Check for your lawyer’s record to see the accomplishments that they have in their field and whether or not there are any issues in the past. The object is to get the best lawyer available in your budget, so do your research to find one that fits the bill. This choice can make a large difference in your life if you are facing a serious issue.

If you have been charged with a crime, are in an accident or think you need legal help, you need to hire a lawyer. The amount of time that you wait to make this decision can be a critical factor. You want to have someone on your side that knows the law as quickly as possible.

If your lawyer has a busy schedule, your case may end up costing more to complete. That’s because it will end up dragging on as they tend to all of their other clients. Try to select a lawyer who isn’t running around like a chicken with their head cut off!

Making sure that you work well with a lawyer is something that will make the relationship work. If you are uncomfortable with your attorney at first, you are unlikely to ever have a good attorney/client relationship, regardless of the lawyer’s credentials. Find a lawyer you get along with well so things go smoothly.

When speaking to a lawyer, do not be scared to ask for an explanation about anything you do not understand. Lawyers tend to speak with words most people do not use on an everyday basis. It’s important that you understand everything they are telling you, as you should know every detail about your case.

The legal system is supposed to serve the people, yet most of us can’t even understand the jargon used by a judge. Hiring a good lawyer is the most important part of your legal ordeal and hopefully, you have found the answers you needed within this article. A great attorney is worth his weight in gold! For more information on click here: http://www.equallaw.us

Finding A Lawyer To Help Fight Your Probation

If you’re in search of a good lawyer, look no further! It’s time you learned some great advice to help you through this process and very important decision. Keep reading to learn more about what you need to know in order to have the best lawyer standing in your corner on the day you go to court.

Do not hire a lawyer until you know more about their experience and their results. A young lawyer might be more affordable but you will definitely benefit from hiring a more experienced and more successful lawyer. If possible, try finding a lawyer who has positive experience with very similar cases.

Don’t give an attorney a large sum of money up front. This may not be given back to you at the end of your trial. Look into a number of different lawyers; you might find one that takes a small retainer to begin with.

Don’t just pick the first lawyer you find on the Internet. It is tempting to think lawyers all do the same thing, but they can vary in quality and expertise. Ask friends if they know a good lawyer and what he represented them for. Be picky when choosing legal help.

When looking for a good lawyer, it can be very helpful to ask friends and family for their recommendations. It seems as though there is a law firm around every corner, so referrals can steer you towards a great lawyer. Even if they do not specialize in your type of case, they can recommend someone like a colleague to you.

A good tip to keep in mind if you’re thinking about working with a lawyer is to give them as much information as you can. The more documents and information they have that pertains to a case, the better your chances are of winning. If you think a document might be worthless, you lawyer might think otherwise.

Keep a paper trail. Document all conversations and meetings with your lawyer. Take note of all questions asked, as well as their answers and record all arrangements and discussions of fees and charges. Lawyers are only human and make mistakes. Give yourself a layer of protection with excessive record keeping.

Avoid lawyers that use the term “slam dunk” in regards to any situation or case. Seasoned legal professionals know that the law is rarely a cut and dry matter. Otherwise, lawyers might not need to exist at all! You do want a confident attorney, but not an arrogant or ignorant one.

Find out up front how frequently you should be in tough with your lawyer. If you need them to get in touch with you quickly after you contact them, communicate that to them up front. If you face this problem with your current lawyer, find a new lawyer at your earliest convenience.

Surely you feel much better now about finding the right lawyer for your needs. It’s important that you use these tips you’ve learned so that you don’t have to worry about making a bad decision. Keep what you’ve read in mind, and find the lawyer that is going to bring you back home with a “win.” For more information on click here: http://www.lawinformation.us

Advice You Need When Finding A Lawyer

The search for a lawyer can be tough. After all with so many lawyers out there begging for your business, how are you suppose to know which ones you can trust? This article has useful advice that will simplify your search for a lawyer.

Never select the first lawyer you come across. Your research needs to be done well, because you’ll have to pay dearly if you don’t do it. Make inquiries and learn everything possible about your best prospects.

Before you hire a lawyer, sit down and define the problem that you have. Sometimes, you may find that your situation is not bad enough to warrant a lawyer. Understanding exactly what you are going through can help save you a lot of money over time with a lawyer and court fees.

Try to educate yourself on what you are dealing with. You should not be relying solely on the lawyer to plan and construct your case. Obviously, they will have more knowledge and experience dealing with your situation, but if you are prepared, you can work together as a team to get the win.

When looking for a good lawyer, make sure to obtain personal references. Talking to the local community that have experienced issues similar to you. For instance, if you’re a victim of sexual harassment, speak with a women’s group. Ask them about the lawyers they had and what their experiences were like.

Do not pick a lawyer because you saw their ad on television or on a billboard. Many big firms that can afford this type of advertising use lawyers that are fresh out of school for most of their cases, but charge you for the experience held by its highest lawyers.

Don’t assume that a specialist lawyer is more expensive than a general practitioner. While a specialist might indeed have a higher hourly rate, they might charge you for less overall hours. A specialist will not need to spend as much time learning and researching laws regarding a case that a general practitioner would.

Do your research prior to hiring any lawyer. You may get the itch to get it over with and just choose someone from the Yellow Pages. Don’t do it! You won’t be happy with the outcome. Instead, research lawyers who could perform best for you. Track down some referrals (they may be online) and get an idea about his or her personality and track record. It’ll make your situation much better.

When looking for a good lawyer, it can be very helpful to ask friends and family for their recommendations. It seems as though there is a law firm around every corner, so referrals can steer you towards a great lawyer. Even if they do not specialize in your type of case, they can recommend someone like a colleague to you.

It’s important to have a good lawyer to represent you in legal matters. Choose your attorney wisely by implementing what you’ve just learned. Choosing the right lawyer will help to ease your stress levels. For more information on click here: http://www.equallaw.us