Ask any Denver bankruptcy lawyer, and you will find that the economy is not great for most Denver citizens. The recession has hit the region hard, and despite having a diversified economy, many are still struggling. A Denver bankruptcy lawyer will see factory workers, farmers, professionals and even other lawyers who are having financial difficultly.

Most people who find themselves in front of a Denver bankruptcy lawyer are somewhat surprised to be there. Up until recently they had been able to meet their bills without too much trouble. They paid the mortgage, the college tuition, car payment and many other things right on time.

Then disaster may have struck in the form of a job loss, unexpected medical bills or even their credit card interest jumping up double. It caused strain that was unexpected.

Many people descend down a steep slope with some hope that the breaks will be put on, but often they wait too late to try to do anything, because the brakes won’t work, or the hill keeps getting steeper.

So when things get towards the bottom of the hill and about to crash, then they go looking for help. They look for a lawyer.

The first place to look for a lawyer might be among your friends or relatives. You might be shocked to learn how many of them have had to reorganize their finances. If your family and friends have been lucky, then you can always search out the internet.

Most lawyers have their own web sites, and if they don’t, they often are on the bar association’s web site.

Not trusting the web? Try asking at any church or civic groups you belong to. In time you will come up with a number of qualified names.

Then you can interview them. Yes, you can interview your prospective lawyer. Why not? You must be your own best advocate.

Your lawyer may have some conservative advice for you, such as reduce your expenses and go on a budget, or sell some assets, or get a second job.

Or the advice may be to file a consumer bankruptcy filing, either Chapter 7 or Chapter 13. With Chapter 7 you sell off your assets and repay the creditors as best as you can. With Chapter 13, you create a schedule of repayments and keep some assets.

Working with your lawyer can be the first step in reclaiming your economic life. Don’t wait until you tumble to the bottom of the hill.