Rhode Island Divorce Strategy From Finding a RI Attorney to Filing for Divorce by a RI lawyer

The first step in obtaining a divorce from your spouse is finding a Rhode Island attorney who you are comfortable with. Many attorneys give free initial consultations while others charge for the first consult. I have always taken the position that the initial consultations will be free.

It is important to ask the proposed lawyer about his or her experience and qualifications to handle your case. It is also crucial to determine the hourly charge and the amount of any initial fee or retainer.

It is often impossible to determine how much a divorce will cost from beginning to end. However, it is a good idea to get an educated estimation of the eventual fee. This will never usually be more than a estimation because the cost of the divorce usually depends on several factors. Those factors could include how quickly a settlement is reached, the number of motions that each party will file, the amount / nature and complexity of assets to be equitably divided, the amount of documents involved in the case, the animosity of the parties to each other, the waiting time while you are in court and many other potential issues.

The Golden Rule is that the longer it takes to reach a settlement the more the divorce will cost because the lawyers will spend a lot more time working on the case. If there is no settlement and the case goes to trial or the day of trial, the divorce could get very expensive. If everything is agreed or nearly agreed to and the parties are relatively amicable then the divorce should take a lot less time and therefore be much less expensive.

Uncontested divorces in Rhode Island should be much less expensive then contested divorces. However, there are many different types of uncontested divorces. There are uncontested divorces with no real assets and uncontested divorces with assets to divide. If the divorce is uncontested and there are assets then the lawyer may need to prepare a property settlement agreement, deeds, qualified domestic relation orders etc. Therefore, the cost of an uncontested divorce could vary depending on the circumstances. For example if a lawyer has to draft a property settlement agreement , the lawyer will devote more time to the case.

I believe that a fair price for an uncontested divorce from soup to nuts in Rhode Island with no assets and no property settlement agreement is about $800 flat fee plus costs. The typical costs are a filing fee of $100 and service of process fees of approximately $40.

After you have retained the lawyer there is typically an intake process in which the lawyer gets the basic information so that he or she can properly represent you. The lawyer typically drafts the divorce documents and you sign them in front of him/her or another notary. These documents include a divorce complaint, DR(6) financial statement, statement of children of the marriage, counseling statement, report of divorce, summons and automatic divorce order etc. It is important that the DR6 form otherwise known as financial statement is accurately filled out.

There are many important decisions that may need to be made before you file for divorce in Rhode Island. Strategy is crucial in many instances!

In some cases, the attorney will file a motion for temporary orders when the divorce complaint is filed. A motion for temporary orders should be filed if the husband or wife is in need of temporary resolution of issues while the case is proceeding. These temporary motions typically request temporary child support, payment / contribution to daycare , contribution to medical bills, alimony, payment of household expenses, payment of the mortgage, taxes and insurance. A motion for temporary orders can also address child visitation and child custody issues related to the minor children as well as issues concerning exclusive use and possession of the marital home. The temporary motion can also request temporary orders concerning: restraining orders both financial and personal and a myriad of other temporary issues. The motion for temporary orders will typically be heard by the Court within 30-40 days of the filing of the complaint for divorce.

If no temporary orders enter then there is no legal obligation of a spouse to pay anything while the case is proceeding until there is a decision by the judge or the parties sign a property settlement Agreement. If there are no temporary orders, the financial issues, visitation and custody issues will be up to the parties to figure out while the case is proceeding without the benefit of a court order.

If there is an emergency in which irreparable harm will be caused if the party has to wait for a court date, then an emergency motion should be filed with the complaint. An emergency motion must either be verified under oath or be accompanied by an affidavit. The attorney will bring the emergency motion to the proper judge and ask for an ex parte order. Ex parte means that the other side is not present to object. The Rhode Island judge will only consider the affidavit and documentation before him. If the judge signs the emergency order than it will be served on your spouse by the constable along with the divorce complaint.

These types of emergency motion typically deal with issues concerning abuse of a child, dissipation or unreasonable spending of marital assets, domestic violence, child abuse or a plethora of other potential emergencies. If there is domestic violence involved in which you are in imminent fear of physical harm or have been abused or threatened with abuse please discuss with the attorney the benefits of filing a separate case called a Complaint Protection from Abuse! Please note that the Complaint Protection from Abuse is very different from an Emergency motion.

The timing of whether the divorce or Complaint Protection from Abuse case is filed first or whether they are filed simultaneously could be crucial to your case.

If an emergency motion is granted and emergency orders enter then a hearing will be set approximately 20 days to determine if the order should stay in effect while the divorce case is proceeding. At that hearing your spouse has an opportunity to contest the motion and tell his or her side of the story. At that hearing, the Court will determine whether the emergency relief will stay in effect while the divorce case proceeds.

Please see part two to be finished later which describes the process from filing the complaint to the nominal divorce hearing.

What Will a Corporate Bankruptcy Attorney Do for My Business?

Some business men want to take the easy way out and make as much savings as they can. It's only natural that they would want to do so. The economy is not in the best shape and every business has to worry about spending their finances wisely. When people advise some business men about hiring a corporate bankruptcy attorney for them, business men often end up in a debate with themselves, asking about the benefits of a corporate bankruptcy attorney and what such an attorney will do for your business. So here's a write-up for all such people who have ever found themselves double minded or in doubt about what a corporate bankruptcy attorney will do for their business.

First of all, the laws of some countries, especially those pertaining to bankruptcy are quite complex. It's not something that a lay man can be well aware off. It's professionals like corporate attorneys who know the know-how of the business laws and they will be able to provide you with professional help when it comes to dealing with legal matters, the law and the courts. It's very important for business men to understand that the corporate bankruptcy attorney you hire for your business will have to have access to all your financial information. That's right; hiding any part of the information from the lawyer could prove to be very damaging to your business, so it's important that you disclose every piece of information you are holding. Another thing to keep in mind is that the ultimate decision of handling the resources of the business rests with you. The management of the business resources is not the responsibility of the corporate bankruptcy attorney you've hired for your business.

The hectic job of a corporate bankruptcy attorney includes dealing with the creditors and debtors of your business, along with various other municipal, while trying to make them come to a mutual agreement for the settlement of debts and expenses of a business. This is a very uphill task, especially when it involves thousands of dollars. A mutual settlement is not an easy task and it involves a lot of negotiation. If you have hired multiple lawyers to work on the case, your bankruptcy attorney will have to co-ordinate his / her plans with those of the other lawyers. This is to ensure a unity of direction in the financial crisis. The bankruptcy attorney will have to deal with other issues besides the owners. These issues include court representations, legal contracts signed by the business before declaring bankruptcy, taxation, real estate and corporate finances.

The bankruptcy attorney will provide you with all the options open to you, to get yourself out of the situation. After carefully investigating the finances of the business, they will be able to tell you about the assets you can save and the assets you have to let go off. They will be able to devise a debt management scheme which will allow you to pay off your creditors over a period of time. This will be with the approval of the court, of course. If the various lawyers, working on your case, are unable to come to a mutual agreement about your situation, you may have to face a huge lawsuit. It is the responsibility of the bankruptcy attorney that you've hired to prevent that from happening. The counseling role and the advisory role that a corporate bankruptcy attorney plays are of great value as well. The stressful situation needs counseling, and the bankruptcy lawyer adds that to the pack of the services he / she will provide your business.

Bicycle Accident Attorney: Find A Top Legal Defense For Your Rights

Auto related accidents happen all the time and you are all the more vulnerable when riding on a bicycle alongside cars. Many drivers are careless and reluctant to share the streets with cyclists, so even with a helmet and careful biking skills you are still at risk. In the event that you are a victim in a collision, then take it upon yourself to find the best legal representative that is available. To learn how to locate the most qualified and affordable lawyer, then keep reading.

You will want to ask around amongst the people you know and trust if they know of any attorneys that can be recommended. Referrals are a great way to seek out reliable and efficient individuals in this line of service. In addition, doing some research on your own will be necessary. Check through local listings and online for qualified law offices that you can retain the services of.

Once you have come up with a few offices or practitioners that seem to offer the dedication and experience that your case will require, then it will be time to start making phone calls. Call and ask about win/loss ratio of a particular defense attorney and the overall record of his or her firm. In addition, inquire about the qualifications this person has to be suited to help you.

To receive the proper compensation for any potential injuries sustained from a collision, it is ideal to retain a lawyer you feel comfortable working with. Legal cases of any kind can be potentially stressful and taxing in both funds and patience, so you will need to be able to attain a solid rapport with your representative. Nearly all law offices offer initial consultations at no cost or obligation to potential clients, so use this opportunity to discuss all the specifics of your case and to gauge how well you work with the individual lawyer.

There are many different types of injuries and accidents in this field of collision cases, so be sure to make sure the attorney you are considering has experience handling situations like yours before, successfully. Medical bills can be expensive and extensive treatment may be necessary, so strive to obtain the best legal help you can to ensure you are given what you deserve.

A solid defense lawyer for a bicycle accident case should not be difficult to find, but do not simply base your decision on the first advertisement you see or on grand promises that are made during a consultation. Take the time to find out as much as you can with all potential representatives and/or firms before retaining any of them. This will be the best strategy you can take and pay off in the long run in more ways than one. Do your research, ask plenty of questions, and trust in your intuition. This way, you will locate the best attorney for your case and get properly compensated.

Why You Should Hire an Uncontested Divorce Attorney

Uncontested divorce is the way many individuals handle their divorce. Therefore, it makes sense to hire an uncontested divorce attorney to explain and handle all the details. The fact is, a no contest divorce can be extremely simple and very inexpensive, and it gives you and your spouse a way to end your marriage in a quiet manner and with dignity for both people involved. Needless to say, it is not the right move for everybody, but it can be the right choice for many more couples who want a speedy divorce.

In this day and age, divorce is a word that has become, unfortunately common to hear often, if not every day in someone’s life. Married couples who decide they are not able to live with one another for whatever reason many times feel that a No Contest Divorce is the way to go.

An uncontested divorce is when a married couple decides that although they do not want to be married any longer, they also do not want to enter into a messy divorce. A messy divorce meaning that the couple cannot come to any agreement on how to split the marital assets. Often time’s bitterness and anger can develop between the man and woman when no agreement can be made. When a couple decides to go through with an uncontested divorce, they are not only sparring themselves with a long, drawn out battle, they also will spend less money and less time on getting the divorce final.

Hiring a divorce lawyer is quite simple and easy. A good divorce attorney will sit down with the couple and explain how fast, easy and easy on the pocketbook an un-contested divorce can be.

An uncontested divorce attorney will usually be able to handle the details of the divorce in the attorney’s office. Because of the fact that the couple are not in conflict about any material items that was obtained during the marriage, going in front of a judge will most likely be none or one to two times.

Getting a divorce, whether uncontested or contested can be a scary ordeal and often times expensive. The attorney you choose to represent you should be not only applicable to take on the uncontested divorce, but also should speak with both parties and make sure that this is the type of divorce that they both will benefit from. So with that said getting a knowledgeable uncontested divorce attorney makes sense for both parties involved.

An uncontested, also often times can be called a “no-fault” divorce is one in which there is a simple and mutual agreement to get a divorce and in which both man and woman have agreed together who gets what in regards to the division of any assets, debts that were acquired in the marriage, liabilities, custody of any children, cash, child support and, in some cases, spousal support.

Such prior arrangements allow the divorce to start and end with less hurt feelings. The ability for both people in the divorce to be at peace with the decisions that were made and moving forth in your life is what an uncontested divorce attorney ultimately wants for any client. Of course there are no winners or losers when one faces a possible divorce, basically it is really a simple and quiet end of a legal relationship.

So when you are facing a possible divorce, explore all your options. Talk to a divorce attorney before doing anything on the spur of the moment. You may be glad you did.

When to Contact a Motorcycle Accident Attorney

Are you a motorcycle rider? If so, you need to know that there is a saying that it’s not if you’re going to have an accident, it’s when. There are two kinds of cyclists – one who has had an accident, and one who hasn’t had one yet. Not very encouraging if you get around on two wheels.

If the inevitable has happened, and you found yourself sprawled along the asphalt, chances are that you have suffered pretty significant injuries and probably have lost your bike as well. This is about the time to consider seeing a motorcycle crash attorney.

Hopefully, there was a police report taken, and witness statements given. Medical records will be helpful, as well as the insurance claim information. These will all be a vital part of the case that your motorcycle accident attorney will use to establish your case. Dealing with the insurance companies involved, both yours and the other parties’ as well is a major undertaking. This is what the staff of your motorcycle injury lawyer will coordinate and gather information on.

Due to the fact that cycle riders are very vulnerable, the injuries are frequently very serious, if not life-changing. Common injuries caused in motorbike accidents often include head injuries, internal injuries, broken arms, legs, and neck injuries as well. Many riders suffer from TBIs, otherwise known as Traumatic Brain injuries. The cost of medical for these types of injuries can be enormous.

If you do not have adequate medical insurance coverage, these costs can be personally catastrophic, often resulting in having to declare personal bankruptcy. It may be tempting to reach a quick settlement with the insurance company, but do not let fear rush you into a low settlement. Remember that it is the job of the insurance company to reach a low, quick settlement.

Remember that it is the job of your motorcycle crash attorney to represent you in the best way possible, and fight for the best settlement possible for you.

Why Should You Hire A Tax Attorney?

Taxes are NOT voluntary, the law stipulates that each entity, whether a business or an individual is required by law to file tax returns. Businesses must pay quarterly duties to the IRS. From the standpoint of accounting, taxpayers could use the services of both a tax attorney and a CPA to solve a demanding IRS issues. There certainly are an abundant supply of proficient accountants available and many of them will be able to assist with financial advice related to IRS taxation issues, however their familiarity of taxation laws may be limited. In order to get proper law information, you may need a lawyer and any reputable tax accountant should be able to give you a good referral.

How a Tax Attorney Can Help You

Services provided by the tax attorney falls into two categories.

Tax Planning: Because of the knowledge of duty laws, the tax attorney can help with your financial planning, to help you prevent future taxation difficulties. They will act as a consultant to advise you on the financial path that will be compliant with the necessary revenue laws.

Tax Disputes: A Tax Lawyer will represent your interests and safeguards your rights should you become involved in tax controversies. If you are already facing issues with the IRS or State Revenue, the tax attorney can assist you by resolving on going problems. It is possible that Tax Attorneys may be able to negotiate debt relief with the removal of liens and levies. They should also be able to arbitrate, reductions of penalties or interest. They would handle all negotiations with the IRS or government on your behalf. IRS tax attorneys are normally accredited lawyers who have been trained to focus on domestic or international taxation.With in depth knowledge of taxation laws, they are able to assist with counsel or advice on taxes. Because these professionals are experts at understanding and applying tax law, they can help you find debt relief to reduce the amount owed to the Internal Revenue, and can assist in setting up a payment plans to minimize debt obligations.

Services provided by a tax debt attorney include, but are not limited to negotiating repayment of taxes on your behalf. They are also able to provide assistance on most tax related problems. If you are deficient on your taxes, you should be aware that the policy for the IRS to encourage full payment of all tax debt, and also that there exacting instructions and administrative barriers, before they will accept an Installment Agreement.The services of an IRS tax lawyer is almost absolutely necessary when facing tax related issues such as an audit. Tax attorneys can act on your behalf in a number of capacities that may include negotiating your tax burdens,in property seizures and levies,wage garnishments and bankruptcy proceedings.

When To Hire A Tax Attorney:

The conclusion resolution to hire a tax attorney should be a simple one. Tax related problems can be avoided with the guidance of a proficient tax lawyer who can be maintained with a monthly retainer. Then, he or she can act in the capacity of an advisor, and you can be apprised of impending difficulties. Working together with your accountant, the tax lawyer, can ensure that your affairs remain compliant. The difference between a tax attorney and an accountant or CPA is often misunderstood or under appreciated. Not everyone will need to hire a tax attorney. If you hire an attorney, should you ever be audited and brought to trial, unlike a CPA or bookkeeper that can be called to testify against you in court, anything you say to them is completely protected by the lawyer and client confidentially agreement.

There are several reasons you may need to hire a tax attorney.

The most prominent reason to hire a tax lawyer, is being in difficulties with the IRS. Being audited and confronting the IRS can be traumatic for most of the initiated people.. It can indicate incompetence or ignorance in previous tax returns. Your tax attorney should be able to offer advice on the best legal solutions that may be available to you. Most people will only seek the help of a tax lawyer after difficulties arise and need tax debt relief. Others may wait until meeting with the IRS, and others may attempt to negotiate with the IRS on their own.This is not advisable and can be literally and metaphorically walking into a minefield. There are very few individuals and business owners who can independently deal with the Internal Revenue Service effectively.

When To Contact A Social Security Disability Attorney

People who are unable to work because of a physical or mental impairment can apply for Social Security Disability Insurance (SSDI) benefits. If accepted, the disabled individual will receive monthly payments from the government. Standards are quite high, however, and about 70 percent of initial claims for support are denied. In the overwhelming majority of cases, applicants are rejected because they failed to provide enough medical evidence to substantiate their disability.

What Constitutes A Disability?

For SSDI purposes, an individual is considered disabled if they suffer from a medical or psychological impairment that is so severe it prevents them from engaging in substantial gainful activity (SGA) for at least one year. At present, the monetary threshold for SGA is just under $1,100. So if an applicant cannot earn above that amount from his labor, he can apply for SSDI benefits. That does not, however, mean that he will be approved.

Can A Social Security Disability Attorney Help?

It may be disappointing, but having your initial claim denied isn’t the end of the world. Many applicants successfully pursue their claims through the appeals process. Of course, it helps to have someone familiar with the process on your side. According to official data, over two-thirds of applicants who appeal their denial eventually receive benefits. But that can only happen if they have the information and evidence they need to prove their case. That’s where a Social Security disability attorney can be invaluable.

It is important to note that not every claim for SSDI benefits should be pursued. If the Social Security Administration (SSA) had a valid reason for rejecting your request, a reputable attorney may not take your case. He or she may peruse your denial notice and inform you that your chances of winning are slim. If, however, your application was denied because you failed to provide medical evidence of your impairment, an attorney may accept you as a client. As such, he or she may submit new evidence for reconsideration on appeal.

The Odds Are In Your Favor

According to the SSA, more than two-thirds of the cases that come before an administrative law judge on appeal are approved. Why? The most obvious explanation is that most of the applicants at that stage of the appeal process have a reputable Social Security disability attorney by their side. These skilled legal professionals know how to present your case in a favorable light, providing proof of your impairment and the effect it has had on your life.

With results like those, you might be wondering why everybody doesn’t hire an attorney to represent them? One obvious explanation is the price. Although their fees are often quite reasonable – generally less than 25 percent of back pay – not every applicant is owed a sizable sum. Only those who have not worked for quite some time and have been pursuing their case for many months may be eligible for substantial disability back payments. With that said, if you cannot work and do not expect to return to work for more than one year, you should seriously consider hiring a lawyer.

A Social Security disability attorney can help you win your claim for SSDI benefits.

Working With a Probate Attorney to Administrate an Estate

If you’ve learned that you’ve been named the administrator of an estate or executor of a will, you may not be ready for the responsibility. The unfortunate thing about death, more often than not, is that there is tangible work to be done at a time when family members are least prepared to do it. Through the haze of mourning, you’re expected to make good financial and legal decisions. Obviously, this is far easier to do with the help of a probate attorney. Find one you can trust and move forward with the business of administering the estate.

Protect the Assets

If you are the executor of record for someone who owned very little, the job probably isn’t going to take too much effort. On the other hand, if the deceased owned a lot of property, all of which is filled with tons of belongings, you could have quite the task ahead of you. Trying to do it on your own without a probate attorney is a big mistake and will almost surely lead to unpleasant legal entanglements. Your job is to protect the assets. Go through the deceased’s records to find out who owes money to the estate. And find out what needs to be done to continue the deceased’s business interests, if that is your goal.

Pay Off Debts

While it certainly won’t be your responsibility (usually) to dip into your own pockets to pay off the debts of the decedent, a probate attorney will tell you that you will have a responsibility to cover their debts out of their own estate and assets. You’ll need to look at income taxes, property taxes, and other government loans first. Next, you’ll need to look at any private debts that won’t be automatically cleared by their death. Don’t be surprised if there isn’t much left to divvy up after these debts have been taken care of. This is often the case.

Distribute Remaining Assets

Once the debts have been cleared, it will be time to distribute the rest of the property and assets to the beneficiaries named in the will. If there is no will, of course, things will get tricky in a hurry. Even a will can be left open to interpretation and challenges. It is far from uncommon to see a family be thrown into turmoil when rightful ownership is challenged. Greed plays a role, but so does emotion. No one likes to think of himself as the favorite nephew only to realize he’s been left nothing. Work closely with your probate attorney to prevent things from getting out of hand.

9 Tips For Hiring a Good Real Estate Attorney

Baltimore investment property requires hiring a good real estate attorney. This is because most of the attorneys are unfamiliar with property transactions and have never invested themselves. Hence, they are good only for giving advice that prevents them from getting sued. They cannot tell you how to churn more dollars from a deal. Surely, you don’t wish to be content with such an attorney, right?   A competent real estate attorney for Baltimore investment property is one who tells you everything about the risks involved in transactions. Not only this. They also suggest options of carrying out real estate transactions profitably. In other words, he or she points out at the problems and offers solutions. When an attorney refrains from talking about risks of real estate; when he or she detects problems but doesn’t talk about solution; or when your attorney kills the deals methodically (most attorneys are famous for killing deals), you are with the wrong person.

4 Things To Do For Hiring A Good Real Estate Attorney

  • Join an association for real estate investors in your city and ask for referrals.
  • Ask around people who have invested and used the services of an attorney.
  • Contact title companies as well as real estate agents for referrals.
  • Forget the Yellow Pages. You can’t just pick any attorney who claims to know about Baltimore investment property.

Remember, there are 5 subgroups of real estate law:

  • Agricultural
  • Industrial
  • Commercial
  • Residential
  • Landlord-Tenant

For each subgroup, there are lawyers. There are also lawyers for environmental law and construction law. Each lawyer is an expert in his or her field and can’t give you sound advice in other fields. Therefore, it’s important that you choose a lawyer, who is specialist in a particular field. Typically, in real estate, there are two kinds of lawyers – one who tackles lawsuits and the other who deals with contract matters. The former are known as litigators and the latter are the transactional lawyers. There are also some lawyers who handle both matters. However, it’s best to hire someone who is a specialist in one matter or the other. So, for Baltimore investment property, a transactional lawyer is ideal, unless you’re entangled in a lawsuit for which you may require a litigator.

5 Things To Know About Your Attorney Before Hiring Them

  • Whether they possess any rental property.
  • The number of closings that normally carry out every year.
  • Their recent odd transactions.
  • Whether they have done foreclosures, evictions, condo conversions, or zoning board appeals.
  • Whether they are well versed with terms like installment land contract, lease or option, wraparound mortgage, and other such real estate jargon.

When an attorney opens his or her mouth, you can at once get a feel of whether you’re sitting with an expert or a fake. That’s why it’s always recommended that you have a face-to-face talk with a lawyer before hiring him or her for Baltimore investment property. 

When You’re Filing Bankruptcy Make Your Attorney Your Bestie

Most people don’t realize it but being really successful in a bankruptcy filing requires a good relationship with one’s bankruptcy attorney. Filing bankruptcy is a team sport that requires everyone to work together like a well oiled machine. Using a football analogy, with the attorney being the quarterback calling in all the plays, if it weren’t for the line or the paralegals, the opposing team will run amok all over the quarterback. The law office staff is very important running interference for the attorney and their client. Prior to filing bankruptcy, creditors are very aggressive in their attempt to collect on a debt, but having a professional staff to handle those calls will make the process go a lot smoother and less stressful for the client. Just like with the football team if one person doesn’t do their job then the damage can be endless. That’s why when someone is hiring a bankruptcy lawyer they need to use their gut feeling on how they feel about the person they are hiring. When going in for a free consultation, it’s best to look around and talk to the paralegals and the office staff to see what kind of dynamic is going on. If everyone’s unhappy and stressed out, this probably isn’t the office that someone will want to spend much time in. Nothing is worse than being stressed out by a creditor that is threatening the client only to have a staff member minimalize it or give them lip. When considering a Chapter 7 bankruptcy will take 4 to 6 months and a Chapter 13 will take 3 to 5 years, it would be a good idea to find someone you trust and don’t mind confiding in with him and your entire personal life.

When someone hires an attorney they definitely won’t want it to turn into a nightmare. Remember, the bankruptcy attorney the person hires won’t care if the individual leaves because they’ve already been paid. Try squeezing blood out of that turnip, it’s like trying to beat the odds at a Las Vegas casino, eventually no matter how lucky you are you will lose. In most situations, before a bankruptcy attorney will even file a bankruptcy petition, the entire fee must be paid. If someone bails out early with only paying half of the fee, the bankruptcy attorney will send an itemized list of expenses incurred and will return any overage that was previously paid. After talking to people in this exact situation, rarely do they get anything back. This means they kind of have you over a barrel and if you leave you might not get anything back. A new counsel will be starting from scratch again and for someone that is filing bankruptcy, money is scarce and usually not available to hire another law firm. It’s a much better idea to take the time and consult a few lawyers so they can see the difference of personalities and staffing.

As the middle-class continues to shrink, Americans need to keep their eyes on the real economic numbers and not watch the stock market. Even though the government is reporting unemployment numbers of 6.7%, the real picture is the true numbers are much higher than that. All someone needs to do is look around them and see the continued layoffs and the closure of retail stores nationwide. The old adage, if it sounds too good to be true it is too good to be true rings loudly these days when watching TV. Most Americans are living on their available credit that will soon dry up leaving them with only one option and that is a bankruptcy filing. We are currently living in very scary times with the Cold War heating up once again with Russia and China we can only surmise what our economic future has in store for us. This is why Americans need to be proactive and do whatever necessary to get back on the road to becoming debt-free even if it means filing for bankruptcy.