By: Jeena Cho

Meeting with your potential future attorney is a lot like going on a blind date. It is a “special” blind date because we are going to talk about topics generally reserved for very serious relationships - money & debt. That can be a scary proposition. Beside that, it’s similar to any other blind date. We’re checking each other out to see if there is a potential for a relationship. You are getting to know me (and I’m getting to know you) to see if we’re a good fit. Obviously, when you hire me, there is no life time commitment involved but make no mistake - there IS a commitment.

Just like a blind date, before you call, you’ll want to gather as much information about that person as possible. Check out their website, see what they’ve written, ask around and do some leg work. Get a feel for the person to see if you’re going to like him or her. I think referrals are the best. It’s like when your best friend sets you up with his or her good friend. Chances are, you’ll have some mutual interests and share common goals so it increases the possibility of you two hitting it off.

Few details about our first date…

First, it’s just a first date. No one is making any long term commitment or any big decisions - yet. We are going to exchange information, I’m going to review your situation and arm you with all the information about your options so you can make an informed decision. Meeting with me doesn’t mean you have to file for bankruptcy. Also, just because we talk doesn’t mean we’re in a relationship - okay? That comes later.

One more thing, it will be a pleasant chat. The topic may not be so pleasant but I’ll try to make it as painless as possible. (In fact, most people tell me they feel better after the first meeting.)

Now, onto the relationship part…

Once we’ve had our first date, if we both decide we want to work together, I send you a fee agreement. It’s a contract saying we’re going to enter into an attorney-client relationship and I’ll represent you. You agree to be honest, provide all the information, to cooperate, and pay as agreed.

And I agree to be your attorney. That means I will listen to your goals and do my best to figure out ways to achieve those goals. This might mean protecting assets, qualifying for Chapter 7 or finding the best repayment plan in Chapter 13. I also make sure the entire bankruptcy process goes as smoothly as possible. I will be on your team.

A typical Chapter 7 takes at a minimum approximately 4 months. Chapter 13 lasts 3 - 5 years. That’s just the bare minimum time to get through the administrative process. It doesn’t count the pre-filing legwork that goes into preparing and planning your bankruptcy. Frequently, it will take a month or two to gather all of your financial information and for me to digest it and prepare your petition. In another words, it’s not exactly a quickie so find someone that is competent and someone you like.

Image Credit: nanny snowflake