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A Credit Counselor Versus a Bankruptcy Attorney


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A Credit Counselor Versus a Bankruptcy Attorney

When I was drowning in debt, I knew that soon enough I would need to file for bankruptcy. I simply didn't make enough to cover the amount of debt I had accumulated. However, I was not sure whether I should work with a credit counselor or a bankruptcy attorney. I did a lot of research on the subject and found that there are pros and cons to working with both a credit counselor and a bankruptcy attorney, and that you also had the option of working with both at the same time. Ultimately, I decided to hire the attorney, but that may not be the best option for everyone. I created this website to help you understand what a credit counselor is and what they do, what a bankruptcy attorney is and what they do and how each can help you if you are drowning in debt.

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Follow These Tips Early On For An Easier Divorce

Going through a divorce is never easy. When any relationship ends, there are a lot of decisions to make, and you will also have some heavy emotions to work through. However, if you take wise steps in the beginning, you will often make the process of divorcing easier on yourself in the long run. Here are some tips to follow early on to help the divorce process go more smoothly. 

Meet with several attorneys before choosing one

When you first realize you'll be facing a divorce, it can be tempting to sign with the first lawyer you find just to check this off your list. But you are better off taking your time and meeting with several lawyers before you pick one to represent you. You need an attorney that is not only good at what they do but able to talk to you and relate to you. Their personality needs to mesh well with your own, and you need to feel comfortable and confident around them. The lawyer who is best for one of your friends may not be the one who is best for you. So, meet with a few attorneys, interview them, and hire the one who you feel is the best fit for you.

Meet with a financial advisor

Figuring out finances during a divorce is not easy. You may need to sell certain assets in order to split the proceeds. You may be due alimony, or you might not. You do not want to go through the process before you have a good, complete understanding of your finances, what you might be owed during the divorce, and the steps you can take to protect your own finances throughout the divorce process. The sooner you can meet with a financial advisor, the better. Often, your financial advisor and lawyer can communicate to help you in tandem, as there is a lot of overlap between financial and legal issues during a divorce.

Read about your state's divorce laws

Divorce laws vary a lot between states. So, a lot of the more general information you read about divorce and the associated laws may not apply in your state. Seek out information that is specific to your state.

If you follow these tips early on in the divorce process, you will have an easier time later on. Talk to an attorney in your area for more information on divorce proceedings.