Although the laws of the state of Louisiana are different from the laws of the other states, bankruptcy is one area where there are more similarities than differences. Once you ve decided, you should ask your prospective lawyer about his legal qualifications and fees, his telephone charges and whether he answers questions on the telephone, and finally, ask him about his track record. So if you are buried under debt then just contact Houston's best bankruptcy lawyer for further guidance. They will guide you through the maze of bureaucracy involved in filing for bankruptcy, and ensure that you will be financially protected from seizures, foreclosures, adverse debt situations, and so on. If you are trying to work with a few creditors, a lawyer can help you if the collection agencies are harassing you by fielding calls. They also help to settle assets in order and handle the files if the debts are too large and involve considerable assets. It is not the intention to make the person homeless or lose their job. Some States also have additions to the federal code but your bankruptcy lawyer will be able to inform you about these and how they will affect your bankruptcy period. Another aspect to be considered is that of time limitations. The credit industry would love for you to believe that only waster's become bankrupt. Information about Atlanta bankruptcy lawyers is available in yellow pages, via search engines like Google and Yahoo, and through advertisements of law firms. Whilst you continue to maintain and rebuild your credit record you may find that in less than four years your good credit record will have been re-established. This is why protection has been put in place and how a legal representative will keep the creditors at bay. The US bankruptcy law is a court process for managing bankruptcy that may hit both consumers as well as businesses. You will notice within a short period of time after your bankruptcy has been filed that applications for credit are already forthcoming. Friends and family members may also provide useful referrals for good bankruptcy lawyers. Bankruptcy proceedings are legal proceedings that debtors are entitled to under federal law when they are unable to pay back their creditors. Bankruptcy protection in the United States provides a safe-guard for those who file for bankruptcy. Today, just qualifying to file for bankruptcy is a difficult process and, unlike it was in earlier times, all debt is not forgiven. Such credit could put you back in the position you were before. Louisiana Lawyers is the sister site of New Jersey Business Lawyers. The truth is that many people forced into this situation are hard working people that have just been unlucky; bankruptcy lawyers know that it is the law surrounding bankruptcy protection that is the only thing there to help them. A bankruptcy lawyer can answer any questions you may have. Of course once you are declared bankrupt the information will be added to your personal credit file for ten years although this is not as bad as it seems at first. The most recent changes in the law have meant there is more paperwork to complete when filing for bankruptcy, so the services of an attorney can be useful in understanding and preparing your petition.