When you're struggling financially and you've got debt collectors constantly contacting you, this stressful situation might lead you to declare bankruptcy. Hiring a professional bankruptcy attorney will help you manage the process better and make informed decisions about the next few steps, considering there are multiple state and federal laws involved in this legal process.

According to Legal Jobs, about 8% of people filing for bankruptcy have already filed for bankruptcy at least once before. Here are some scenarios when hiring a bankruptcy attorney might be the sensible choice:

1. Chapter 7 Bankruptcy

With piling bills and adamant debt collectors at your back, it would best to file for bankruptcy. Chapter 7 bankruptcy might not be the right choice for most; instead, Chapter 13 could be the appropriate solution based on your circumstances. Assessing your situation is done better by consulting with a bankruptcy attorney who knows the law better and can offer you expert advice on improving your financial situation.

2. Getting Paperwork Right

A properly drafted bankruptcy petition needs to be submitted while filing for Chapter 7, together with several supporting documents for the claim. Any minor paperwork error or accidental non-inclusion of information pertaining to any debt or asset could lead to a delay or dismissal of your case. However, when you have a bankruptcy attorney working on your legal issues, such things do not get overlooked.

3. Challenges of Disagreeable Creditors

Filing for Chapter 7 bankruptcy isn't pleasant news for your creditors. Most of them abide by the rules and discontinue collection actions upon you submitting the petition. However, some aggressive creditors might approach the court requesting the automatic stay to be lifted. Without a bankruptcy attorney, these troubles could seem overwhelming.

4. Higher Cost Otherwise

It's natural for you to try and save money while filing for bankruptcy, thereby filing it by yourself. Unfortunately, if you don't hire a bankruptcy attorney, you're most likely going to end up spending more eventually. You could have a consultation session with an attorney to discuss your concerns about charges for legal assistance. A payment solution could be devised to ease your concerns.

If you're in an unmanageable financial situation and a desperate debt position, your only choice might be to file for bankruptcy. Do not hesitate in hiring a bankruptcy attorney who'll ease the legal proceedings for you and offer you smart advice.