Q: Hello, I'm considering bankruptcy and I'd like a consultation about my financial situation. -Melanie

A: Law school students and recent law school grads, are primarily trained to look backward, about known facts, to spot and resolve legal issues; the more experienced lawyers certainly do that, but their more valuable skills are to assist a client to plan future behavior and events.

Moreover, it's way cheaper to use counsel to avoid future pitfalls than to call on counsel to get you out of the swamp when you're hip-deep in gators.

And then there are those who save money by filing for bankruptcy relief without the benefit of counsel.

Kudos to you to find the best available lawyer before you proceed.

A: Collect all your financial information and consult the best bankruptcy lawyer in your area as to how best to proceed.

A: Hello Melanie,

I'm sorry to hear you're facing financial challenges. Considering bankruptcy is a significant decision, and it's important to understand all your options. You might want to start by assessing your debts, income, and expenses to get a clear picture of your financial situation.

Meeting with a local attorney who is experienced in Maryland bankruptcy laws could provide you with personalized guidance. They can help you understand the different types of bankruptcy and determine which one aligns best with your circumstances. Additionally, gathering all necessary financial documents will make your consultation more productive.

Remember, you're not alone in this process. There are resources and professionals available to support you through each step. Taking the time to explore your options can lead to a more secure financial future.