Last year more than 1 million Americans filed personal bankruptcy in order to improve their financial situation. The process of filing for bankruptcy can be a stressful and emotional time. It may be triggered by traumatic events such as a job loss, overwhelming medical bills or an uninsured natural disaster. While the law does not require that an individual utilize the services of a lawyer in order to file, fortunately, a good bankruptcy lawyer can provide services to make the process less complicated and confusing for an individual. It's important to be an educated consumer when selecting an attorney, so here is a description of the process to help get started.
Overview
Bankruptcy law describes the branch of civil law covering federal and state bankruptcy and insolvency laws applying to individuals, municipalities and businesses. A party may file for bankruptcy voluntarily or may be forced by creditors. While a bankruptcy can offer relief and a fresh start, the affects of a low credit score will usually not disappear for up to ten years. There are two things an individual can do prior to consulting with a bankruptcy lawyer. First, they should get all of their financial information collected and organized. Second is to seek consumer credit counseling which is mandated by the government for anyone filing for bankruptcy.
Choices
An individual will need to meet with a bankruptcy lawyer to determine what type of filing they qualify for and is best for their situation. The majority of cases are Chapter 7, the quickest and simplest option which complete eliminates most debt that is not attached to a property. The other main option is Chapter 13 in which a three to five year payment plan is developed during which the debtor must pay off their creditors. The law can be complicated and an individual must make the right choices to avoid losing more than is necessary.
Filing the case
A lawyer must understand both state and federal law as the case must be filed in federal court but state law has a large effect on the claims and exemptions presented in the case. A lawyer will also insure that the right forms get filed correctly and on time. This is important not only to having the process completed quickly but also because an individual must file within a certain period of time following counseling. A bankruptcy lawyer will work on your behalf to communicate with the judge and will help you prepare for and accompany you to creditor meetings.
Chester have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for charlotte bankruptcy attorney and great passion and knowledge for charlotte bankruptcy attorney and all the different options & providers available in the market today. Find out for more info also here http://www.Topcharlottebankruptcyattorneys.com
Tuesday, October 12, 2010
Thursday, September 30, 2010
Charlotte Bankruptcy Lawyers
To become a charlotte bankruptcy lawyers, there are a few simple steps. At least, the steps are simple to understand, but doing each step requires years of hard work.
1. Take the LSAT
The Law School Admission Test (LSAT) is a nationally standardized test. Your LSAT score includes points based on your correct answers on the LSAT. Your LSAT score is also adjusted based on your college GPA and the competitiveness of your college. Once you take the LSAT, you must arrange for your LSAT score to be sent to law schools as part of your application for admission. Law schools then compare your LSAT score and other admission application materials to determine which applicants to accept. The law school admissions process is very competitive, but with good college grades, good performance on the LSAT, and a good law school application, you should be admitted to law school.
2. Attend Law School
Next, you need to attend law school. This can't be just any law school. Your state may only let you practice law if you attend an ABA approved law school. Most states require that law students attend an ABA approved law school before taking the bar exam in that state. California is a notable exception. In California, you can take the bar exam even though you have not gone to an ABA approved law school. However, California has other rules, so you should check into those if you are considering attending a law school not approved by the ABA.
3. Pass the Bar Exam
Once you have graduated from law school, you prepare to take the biggest law exam of your life. Each state has its own bar exam, which takes two to three days depending on the state. You must pass the bar exam to practice law in your state. It may be worth noting exceptions to this rule. Most states allow you to practice law if you are licensed to practice law in another state and fulfill other requirements. A very small number of states will allow someone to practice law if that person has experience as a judicial clerk, but this exception is rarely used today.
4. Become Licensed to Practice Law in Your State
To become licensed to practice law, you must apply for admission. The admission process involves a criminal background check, a lengthy application, success passing the bar, and a number of other requirements. If your application is approved, you then must be sworn in. After taking your oath, you are officially an attorney who is licensed to practice law in that state.
5. Get a Business Attorney Job or Find Your Own Business Clients
The final step is to get a job practicing business law at a law firm or to find your own business law clients and practice as a solo practitioner. Whether to work for a law firm or start your own law practice depends largely on personal preferences and whether you could acquire enough clients to work on your own. If you start practicing law in a law firm, you normally are not expected to bring in clients for at least a few years.
Obtaining a business attorney job is not necessarily easy. First, not all law firms practice in business law. If you are interested in being a business attorney, you should seek out firms that have business clients. Second, your ability to get a business attorney position may also depend on your business experience. Business law jobs are often at large firms, which may require strong resumes because so many attorneys want to work in business law compared to the number of positions available. If you have experience in business or an MBA, you will have an improved chance at obtaining a business attorney job. Good law school grades and other impressive resume items will also be important.
Are You Sure You Want to Be a Business Attorney?
As a final piece of advice, here is one suggestion. Before you set off on the long road towards becoming a business attorney, be sure that a business attorney career is what you want. As you may know, a business attorney's job is not at all like what is portrayed on TV. You would be disappointed to spend years of your life and acquire law school loans only to find out later that you don't like being a business attorney. You may want to interview some business attorneys, read about the profession, or even shadow one or two business attorneys for a day. That would allow you to see what a day in the life of an attorney is really like. Before you invest money and time pursuing a legal career, be sure you really want it.
Donald have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for charlotte bankruptcy attorney and great passion and knowledge for charlotte bankruptcy attorney and all the different options & providers available in the market today. Find out for more info also here http://www.Topcharlottebankruptcyattorneys.com
1. Take the LSAT
The Law School Admission Test (LSAT) is a nationally standardized test. Your LSAT score includes points based on your correct answers on the LSAT. Your LSAT score is also adjusted based on your college GPA and the competitiveness of your college. Once you take the LSAT, you must arrange for your LSAT score to be sent to law schools as part of your application for admission. Law schools then compare your LSAT score and other admission application materials to determine which applicants to accept. The law school admissions process is very competitive, but with good college grades, good performance on the LSAT, and a good law school application, you should be admitted to law school.
2. Attend Law School
Next, you need to attend law school. This can't be just any law school. Your state may only let you practice law if you attend an ABA approved law school. Most states require that law students attend an ABA approved law school before taking the bar exam in that state. California is a notable exception. In California, you can take the bar exam even though you have not gone to an ABA approved law school. However, California has other rules, so you should check into those if you are considering attending a law school not approved by the ABA.
3. Pass the Bar Exam
Once you have graduated from law school, you prepare to take the biggest law exam of your life. Each state has its own bar exam, which takes two to three days depending on the state. You must pass the bar exam to practice law in your state. It may be worth noting exceptions to this rule. Most states allow you to practice law if you are licensed to practice law in another state and fulfill other requirements. A very small number of states will allow someone to practice law if that person has experience as a judicial clerk, but this exception is rarely used today.
4. Become Licensed to Practice Law in Your State
To become licensed to practice law, you must apply for admission. The admission process involves a criminal background check, a lengthy application, success passing the bar, and a number of other requirements. If your application is approved, you then must be sworn in. After taking your oath, you are officially an attorney who is licensed to practice law in that state.
5. Get a Business Attorney Job or Find Your Own Business Clients
The final step is to get a job practicing business law at a law firm or to find your own business law clients and practice as a solo practitioner. Whether to work for a law firm or start your own law practice depends largely on personal preferences and whether you could acquire enough clients to work on your own. If you start practicing law in a law firm, you normally are not expected to bring in clients for at least a few years.
Obtaining a business attorney job is not necessarily easy. First, not all law firms practice in business law. If you are interested in being a business attorney, you should seek out firms that have business clients. Second, your ability to get a business attorney position may also depend on your business experience. Business law jobs are often at large firms, which may require strong resumes because so many attorneys want to work in business law compared to the number of positions available. If you have experience in business or an MBA, you will have an improved chance at obtaining a business attorney job. Good law school grades and other impressive resume items will also be important.
Are You Sure You Want to Be a Business Attorney?
As a final piece of advice, here is one suggestion. Before you set off on the long road towards becoming a business attorney, be sure that a business attorney career is what you want. As you may know, a business attorney's job is not at all like what is portrayed on TV. You would be disappointed to spend years of your life and acquire law school loans only to find out later that you don't like being a business attorney. You may want to interview some business attorneys, read about the profession, or even shadow one or two business attorneys for a day. That would allow you to see what a day in the life of an attorney is really like. Before you invest money and time pursuing a legal career, be sure you really want it.
Donald have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for charlotte bankruptcy attorney and great passion and knowledge for charlotte bankruptcy attorney and all the different options & providers available in the market today. Find out for more info also here http://www.Topcharlottebankruptcyattorneys.com
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