I was unemployed for while and living on CC to survive, I now have a job but cannot get out of the whole I put myself into trying to get by while i was unemployed. My interest rates are so high and i can only afford to pay minimum payments, therefore getting no where in paying them off. I live paycheck to paycheck, im not late on any payments but at the same time not getting anywhere.
Im going in for a consultation at Macey Law for bankruptcy, which is the last thing i want to do but I dont have a choice anymore. I couldnt find any reviews on this company and want to know if you have herd anything about them or what i should expect, i have no idea what im doing or how to go about it, I just know i need help.
As with any bankruptcy provider you should expect a high level of customer service and care. I’d first evaluate your experience with them to determine how they treat you as a paying client. Consider the friendliness of the staff and the willingness of the attorney or staff to answer all of your questions.
Most of all, trust your gut feelings. If you don’t get a warm and fuzzy feeling you are in good heads, talk to another attorney in your area and find one you feel good working with.
The bankruptcy process is stressful enough on so many levels that the last thing you want to deal with is being treated like a number. You are not a number but a person who needs professional legal help to deal with a difficult time in your life.
For the most part the consumer bankruptcy process is a fairly standardized process so unless their is something really unusual about your situation, most licensed bankruptcy attorneys should be able to handle the actual filing.
In high traffic offices sometimes that client actually gets lost in the process as staff do the same thing over and over each day trying to get their jobs done. This is why, for me, the most important thing to look for is exceptional customer service, communication, and friendliness.
As far as the bankruptcy process itself goes you’ll need to gather together information about who you owe, take an online credit counseling class, attend one meeting at the bankruptcy court which will be nothing really, and get your debt discharge notification.
Please post your responses and follow-up messages to me on this in the comments section below.