In Debt? How Consolidating Your Credit May Help

If you are in the position of having to file for bankruptcy, then you may be wondering what you can do to help pay for the attorney that you need. After all, you are filing for bankruptcy, which means you likely do not have the funds to be able to pay for an attorney. You need an attorney who can help you to work out the details of your case, which is extremely difficult to do on your own. Fortunately, here are some of the following options that can help you to pay for the legal help that you need:

1. Use Your Tax Refund: When tax time comes around, you could always set aside your tax refund to help pay for the attorney costs. Of course, you will have to wait until you have filed your taxes and received the refund, so if you are in a situation where you need to file for bankruptcy now, then this may not be the right option for you.
2. Stop Paying Your Credit Cards: If you are in the position where you need to file for bankruptcy, then simply stop paying your credit cards. Besides, once you file for bankruptcy, these credit card charges are going to be discharged anyway. So just put aside this money for attorney costs instead.
3. Borrow the Money: Of course, another way to help yourself pay for attorney costs is to ask friends and family to borrow money. You may be surprised how many people are willing to help you out during this hard time. Just be aware that if you are loaned the money, than that person will need to be listed as a creditor, but if you are given the money as a gift, then it will need to be listed under income.
4. Fight Your Bill Collectors: If you are being harassed by bill collectors, then you may just want to ask your attorney to help you fight them. Bill collectors that are harassing you are most likely violating the law, and they will have to pay for each instance that you put on record of them harassing you. This can help you to pay for cost significantly. So be sure that whenever a bill collector harasses you, you record the conversation.
5. Apply for Low-Cost Help: If you meet certain requirements, such as income restriction, then you can qualify for low-cost help for legal services. You could even have law students help you for free who are working under the supervision of actual bankruptcy law attorneys (such as those from Greg Dunn Bankruptcy). 

Knowing some of the ways to help you pay for legal services in your situation can help you to not feel intimidated about filing for bankruptcy.