THE USEFUL PART, UP FRONT
A consultation helps you understand eligibility, property, debts, costs and alternatives. It is not a filing.
List the whole financial picture
Bring information about all debts, income, living expenses, property and recent financial transactions. Include tax debts, student loans, secured loans and court papers, even if you assume they cannot be addressed.
A complete picture helps an attorney identify issues that a simple total-debt figure misses.
Ask how the chapters differ
Chapter 7 and Chapter 13 have different eligibility, repayment and property rules. A qualified attorney can explain how those rules apply to your circumstances and which debts may remain.
Do not assume a friend’s outcome will apply to you. Income, assets, household circumstances and applicable exemptions can change the analysis.
Understand the practical costs
Ask about attorney fees, court costs, required counseling and other steps. Request the scope of representation in writing. If cost is a barrier, ask about legal-aid resources and other available assistance.
Compare alternatives too, including creditor arrangements or counseling if they could be realistic.
Keep deadlines in view
Tell the attorney immediately about lawsuits, garnishment, repossession or foreclosure notices. A consultation alone does not stop collection action. Ask what action, if any, is required before each deadline.
This site explains general options; it cannot determine whether bankruptcy is appropriate or what property would be protected.
Sources & further reading
Original educational synthesis of the sources above. No personal financial or legal advice. How we prepare our guides.