As technology advances so does the way we do business. Everything from gift giving to banking and paying bills can now be done online. While many bankruptcy attorneys are now turning to software programs to make filing easier for clients, the talents and skills of an attorney cannot be replaced by technology.
One of the best reasons to hire a bankruptcy attorney is that it increases the chances of successfully obtaining a debt discharge. An experienced attorney can provide a debtor with many advantages that cannot be seen when filing alone. For example, bankruptcy attorneys are essentially financial experts. That is, they are well versed in the ins and outs of credit, loans, mortgages and debts. A well qualified attorney will be able to advise a client about the state of their financial situation and accurately evaluate whether bankruptcy is the right option.
Bankruptcy attorneys are also well trained in the art of negotiation. They hold legal clout, which gives them an edge in negotiating with creditors. Because an attorney acts as the representative of the debtor in negotiations, they are able to take on the burden and stress of dealing with creditors. Having a mediator field interactions with a creditor is a quality that all filers find highly desirable. From stopping foreclosures to halting credit collections, a bankruptcy attorney is better equipped to deal with potentially abusive or threatening lenders.