When you meet with an attorney for the first time to discuss filing a bankruptcy, it is a time for the attorney to evaluate your situation and for you to determine if you are comfortable with the attorney. The attorney should take time to review your financial situation, look at the types of debts you have and your income. Then the attorney should describe the different types of bankruptcies to you, at least Chapter 7 and Chapter 13, and tell you what they think is best for your situation. The attorney should tell you the cost of doing your bankruptcy and how their process works. Many of the procedures vary from state to state so your attorney needs to be familiar with the process in Virginia.
This is also a time for you to make sure that you feel comfortable with the attorney. If you have questions or concerns, this is the time for you to raise those. The attorney should take the time to discuss these issues with you.
I have developed a form that I ask individuals to complete before the first meeting that quickly shows me the basic information I need to be able to recommend a course of action for someone. I understand that the first meeting is a time for you to determine what is best for you and I want to make sure that all of your questions and concerns are addressed. Many of my clients have expressed that they were pleased with how that initial consultation was handled.
If you are facing financial difficulties, contact Hampton Roads Legal Services at 757-320-2010. I will meet with you to discuss your situation and the best options for you.