You lost your job. Any money you had in savings is long gone. Creditors are constantly calling or sending nasty letters.
The writing is on the wall. The only way you are going to get through this rough patch is by filing bankruptcy. However, if you can't even afford to put food on the table and to pay the monthly rent or mortgage, how the heck are you supposed to come up with the money needed to hire an attorney?
Free bankruptcy help may just be a phone call away. It is just a matter of knowing where to look.
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Before we dig into these sources of free help, it is important to know that lawyers have a professional responsibility to provide legal services to clients who are unable to pay. In the legal profession, services provided for free are typically referred to as pro bono. The American Bar Association recommends that attorneys provide fifty hours of pro bono work each year.
With this fact in mind, one way to find free bankruptcy help is to simply ask. Explain your financial situation to your lawyer, and then ask if he or she would be willing to take on your case pro bono. If the answer is no, all is not lost! Your attorney should be able to provide you with names of other lawyers or organizations in your area that may help.
Both state and county bar associations are another resource for individuals looking for free bankruptcy help. You should be able to find the contact information for your state and county bar associations by looking in your local phone book or by searching online. Many have their own pro bono programs, as well as maintain lists of organizations in your area that provide assistance.
Although there are many attorneys and organizations that provide pro bono help, you may find that your case does not qualify for free assistance. If you cannot find free bankruptcy help, you do have other options:
1. Payment plans - When you are looking to hire a bankruptcy lawyer, ask if they require a full fee retainer or if they will break down the fee into manageable monthly payments. Payment plans give you the opportunity to hire a bankruptcy lawyer without a large upfront payment.
2. Tax refunds - If you are anticipating a tax refund, you may be able to use all or a portion of it to retain a lawyer.
3. Borrow from a close friend or relative - The last thing you want to do to get rid of debt is to create more debt. However, a close friend or relative may be willing to help you get your fresh start by lending you the money needed for the attorney's fees.
In addition to the fees charged by your lawyer, you will also be required to pay a filing fee to the bankruptcy court, as well as additional costs for pre-bankruptcy credit counseling and pre-discharge debtor education classes. Depending on your financial situation, some or all of these fees may be waived.
You may be broke now, but you have a legal right to start over. Free bankruptcy help is available.
Is Bankruptcy Right For You? Talk to Bankruptcy Attorneys Free and Confidential. Licensed bankruptcy attorneys are available. Attorneys will call you to discuss your case for free. Find out if bankruptcy is right for your situation.
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