Do it Yourself Bankruptcy
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Do it Yourself Bankruptcy

While bankruptcy is a complex process involving elements of both federal and state laws, some filers prefer to file bankruptcy by themselves. This isn't an impossible task, though it certainly heightens the level of difficulty of bankruptcy proceedings.

If you plan to file for bankruptcy without the assistance of an attorney, you should do plenty of homework before filing. In order to protect yourself and any assets you may have, it is helpful to learn more about bankruptcy laws.

Many bankruptcy petitioners who initially plan on filing without outside help end up working with an attorney, after they see the complexity of the process.

Connecting with an attorney in your area is easy. Just fill out the case review form below to arrange a free, no-obligation bankruptcy consultation with a lawyer near you.

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Filing Bankruptcy by Yourself

Before filing for bankruptcy, it's wise to assess whether or not you should file in the first place. While every case is different, bankruptcy if often a good fit for people who:

  • Have loads of debt and are constantly being hounded by creditors.
  • Fear that they may lose their house to foreclosure, or that their car will be repossessed because they've fallen behind on loan payments.
  • Have recently suffered an injury or illness and have huge bills from emergency medical treatment.
  • Have recently been laid off, or had hours at work reduced, causing a noticeable drop in pay.
  • Find their finances in a mess after divorce.

Fortunately, bankruptcy may provide a solution for all the problems listed above. First, bankruptcy may discharge some or all of your debts. In addition, in most cases the bankruptcy process initiates an automatic stay on collection activity, so creditors are silenced while you attempt to regain your financial footing.

Further, Chapter 13 bankruptcy may help you save your home from foreclosure, or your car from the hands of lenders. Plus, individuals who find themselves unable to pay emergency medical expenses, or have recently lost their job, often file for personal bankruptcy.

If you'd like to learn more about the ways in which bankruptcy may be able to help you dig your way out of all sorts of financial holes, connect with a local bankruptcy attorney in your area today.

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Seeking Advice from a Bankruptcy Attorney

While bankruptcy may seem like a simple process, it's fraught with all sorts of traps for do-it-yourself types. Remember, a bankruptcy proceeding is a very formal process that takes place in a bankruptcy court.

These courts are run by experienced bankruptcy judges, and many individuals find the aid of a bankruptcy attorney helps make the process far less intimidating. In addition, with legal counsel, you'll be able to make an informed decision when it comes to what type of bankruptcy you'd like to pursue.

While individuals are welcome to represent themselves in bankruptcy court, many find the experience overwhelming. A simple mistake on a bankruptcy form could lead to dismissal of your case.

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