Q: Do I need a Bankruptcy Lawyer to file?
A: There are serious risks to filing without a bankruptcy attorney. Some people do it. Results can include losing property, like a car, that an attorney would have known how to protect. It is almost impossible to file a 13 that will be confirmed without an attorney. 7's are more straightforward in terms of the paperwork, but you face the trustee without an advocate to advise and help you get the best result. Chapter 7 trustees work to collect whatever they legally can from you for your creditors. An attorney can make the process a lot easier and less expensive.
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