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There are occasions when it would be foolhardy to act on your own without a lawyer, and many more times when it may not be as clear cut, but still be in your interest to at least speak with a lawyer.
There are knowledgeable people with less education and experience than lawyers who may be able to help in specialized situations.
Choose a lawyer who has experience in the general field, as well as experience in situations such as yours. Check a lawyer's background. There are many sources available to help locate a lawyer. Generally people find lawyers through referrals.
You can save time and money if you prepare for a meeting ahead of time. Preparation includes creating a list of questions to ask. You can use Survivorship A to Z's Prioritizer to help create the list, and to prioritize the list with a touch of a button.
Lawyers get paid either on a contingency basis, a fee basis or a flat fee. If you cannot afford a lawyer, you may be able to get a lawyer's services at low cost or for free (pro bono). In many situations, you can research the law yourself although it is not generally recommended to rely solely on your own research. It is preferable to at least have a lawyer review your research and resulting document or course of action. If you write a will, it is preferable to also have a lawyer oversee the execution of the will to be sure it follows every step required by your state's law.
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