Q: Would it be hard for me to file my own bankruptcy without a an attorneys help? I would be filing a chapter 13
A: Yes. Very technical and confusing.
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Unless you are willing to learn the law, the rules, the local procedures and the process used by each trustee, it is nearly impossible. It is well worth hiring an attorney if you are trying to have a successful chapter 13.
Remember too that it's not just filing some paperwork. There are events that happen afterward to successfully confirm your Plan and I have never seen a case that didn't have bumps along the wat after that. Your attorney will be there to help for the entire time the case is pending.
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A: Yes, too hard! Almost all Chapter 13 cases filed by non attorneys fail. My advice: Hire a certified specialist in bankruptcy law to represent you. Doing so my save your home and save you many thousands of dollars.
A: It would be way too difficult. I have been in court when the Judge told a client on their own in a Chp 13 that he strongly urged them to hire an attorney. It's difficult and some of the mistakes you might make could have drastic consequences with no re-course. So you should sit down and discuss it with an attorney.
Anybody with about $300 to pay the required filing fee tribute to the Court can file a bankruptcy petition, and complete and file the required Schedules and statements (the Official Bankruptcy Forms are available online).
But, there's wisdom in that old adage about one who represents himself has a fool for a client.
You could read the Bankruptcy Code in its entirety, half a dozen times, before filing, and you'd probably commit at least that many serious missteps.
Yes. Chapter 13 bankruptcy is very complicated and has a lot of technical procedures that if missed can result in the case being dismissed. It is best to hire an experienced bankruptcy attorney who files a lot of chapter 13 bankruptcy cases.
I hope this helps.
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