Q: Do I need a bankruptcy lawyer?
A: Without any details, it is hard to say, but probably yes.
A:
If you're wondering about this, the answer is that you should speak with a bankruptcy attorney. Most offer free initial consultations, and it won't cost you anything but an hour or two of your time to get good information about whether you should file a bankruptcy or not.
Filing a bankruptcy without an attorney is fraught with perils that the non-attorney layperson would know nothing about. If you don't know what a "bankruptcy estate" is, if you're not sure how to exempt your individual retirement annuity, if you don't know what I mean by "exempt," if you think you should pay back your grandmother that $1,000 you owe her before you file, if you think it's OK to transfer your car to your cousin before filing, you should talk to an attorney.
If you're thinking of filing a Chapter 13 bankruptcy, you should definitely talk to an attorney.
Look for a good attorney in your local area or ask friends and family-members if they can recommend someone with whom you might speak.
A: Yes. Very very difficult to navigate on your own.
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