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Your potential legal costs can be a determining factor in your decision process. Make sure that your fee arrangement is predetermined and in writing. Your total cost is divided into two major areas: (1) the lawyer's fee; and (2) out-of-pocket costs sent on your behalf. Attorneys charge in different ways which include: (a) By the hour; (b) A contingency fee so that you only pay the fee if you win; (c) A flat fee that is predetermined; or (d) A sliding Fee based on your ability to pay (i.e. your income). Weigh all of this in determining if you want legal representation and, whom before you enter into litigation regarding bankruptcy attorney new jersey or any other legal matter. Weigh all of this in determining if you want legal representation and, whom before you enter into litigation regarding bankruptcy attorney new jersey or any other legal matter. But, whatever your legal situation, investigate and be thoughtful so you make the correct decision on how to proceed.