Q: In Texas how long can you retain a lawyer before filling chapter 7.
I have 0 assets, credit card debt, but not ready to file. All have been been either written off / collections or profit and loss. Need to have things in place, save for the cost and taxes.
A: It depends on the lawyer. Chapter 7 lawyers usually charge the full fee up front because, like most other debts, anything you owed them at the end of the bankruptcy proceeding would be discharged. For that reason many bankruptcy attorneys will actually work out a payment plan with you, and some may even be willing to start putting things together before you have fully paid for the service. Best advice, call around and find someone willing to work with you.
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