Who is a Bankruptcy Lawyer and What Do They Do?

By Sara Cannings

Dealing with overwhelming debt can feel like walking through a fog with no end in sight. Bills keep coming, interest piles up, and creditors don’t stop calling. In times like these, understanding your legal options becomes incredibly important. That’s where a bankruptcy lawyer steps in—offering clarity, guidance, and a path forward when finances become too much to handle alone. 

Many individuals turn to bankruptcy lawyers at Resolve Law Firm to get help in navigating through this difficult journey. Whether it’s deciding on the right type of bankruptcy or handling all the complicated paperwork, these professionals make the process more manageable and less intimidating. 

What is a Bankruptcy Lawyer? 

A bankruptcy lawyer is a legal professional who specializes in helping individuals or businesses deal with financial issues by filing for bankruptcy. Bankruptcy is a legal process that can help people wipe out or restructure their debt under the protection of the court. 

There are different types of bankruptcy, like Chapter 7, Chapter 11, and Chapter 13, each with its own rules and outcomes. A bankruptcy lawyer knows which type fits your situation best and helps you file the right one. They also make sure everything is done correctly so you don’t run into more trouble down the road. 

When Should You Consider Hiring One? 

Bankruptcy lawyers are usually called in when someone is deep in debt and can't find a way out. If you’re behind on your mortgage, facing foreclosure, or getting constant calls from creditors, it might be time to talk to one. They don’t just handle court cases—they also give advice on whether bankruptcy is the right move. 

In many cases, people wait too long before reaching out. A lawyer can help much earlier in the process by explaining alternatives like debt settlement or negotiating payment plans. Having a legal professional on your side helps you make better decisions before things spiral out of control. 

What Does a Bankruptcy Lawyer Actually Do? 

These lawyers do a lot more than just file paperwork. Here’s what they usually handle: 

• Explaining Your Options: They walk you through the pros and cons of filing for bankruptcy and help you understand if it’s the right solution. 

• Choosing the Right Chapter: Depending on your income, debts, and assets, they help you file under the right chapter—most often Chapter 7 or Chapter 13. 

• Handling Documents: Bankruptcy involves tons of forms and financial documents. A lawyer helps you fill everything out correctly. 

• Representing You in Court: If your case requires a hearing, your lawyer will stand by your side and represent your best interests. 

• Talking to Creditors: Once you hire a bankruptcy lawyer, creditors must talk to them, not you. This gives you a break from constant phone calls and letters. 

Why You Shouldn't Go It Alone 

Sure, you can technically file for bankruptcy without a lawyer. But it’s risky. One small mistake on your forms or missing a deadline can lead to your case being dismissed. A good bankruptcy lawyer knows the system and helps you avoid those errors. 

Also, they bring peace of mind. When you’re dealing with financial stress, having someone knowledgeable in your corner can lift a huge weight off your shoulders. 

A Path to a New Beginning 

Bankruptcy might sound like the end of the road, but with the right help, it can be a fresh beginning. A bankruptcy lawyer isn’t just someone who files legal documents—they’re your guide through a tough chapter in life. They offer advice, structure, and support to help you move forward. 

So, if you're stuck and don't know what to do next, reaching out to a bankruptcy lawyer could be the first step toward reclaiming your financial freedom. And who knows? This decision might just be the turning point you need.