Why not have a bankruptcy attorney Ogden Utah ready to go in case something happens by putting one on retainer? You won't feel pressured and can take the necessary amount of time. Keeping an attorney on retainer affords you the luxury of always having access to good advice.
If you are not completely comfortable with an attorney, keep on looking for someone else. Same thing if you are not comfortable with the fees. When you give them a retainer, don't just hand over a blank check. Legal fees can easily spiral into the stratosphere, so get an estimate so you know how to plan.