Four Reasons Filing for Chapter 7 Bankruptcy Without an Attorney May Not Be a Good Idea

Under the United States Bankruptcy Code, you are not required to have an attorney file for a Chapter 7 bankruptcy. You can always choose to file as a pro se debtor. However, filing for bankruptcy by yourself is hard, and going this route is a big risk. Usually, self-representation can cause dismissals because of missteps you may take. If you fail to get a discharge, your creditors will hound you again. Keep reading to learn why it is in your best interest to work with a bankruptcy attorney from the Law Office of Corey L. Mills

You May Have Other Options

Sometimes, bankruptcy may not be your only option to handle your financial challenges. You can negotiate with your creditors or go to a credit counseling agency for some help. A bankruptcy attorney can determine whether filing for Chapter 7 bankruptcy is the best option for you. 

Bankruptcy Law is Complicated

A Chapter 7 bankruptcy may be a simple case. However, getting a discharge can be hard without a good attorney by your side. To fill out the required forms correctly, you need to be familiar with applicable laws and rules. Any mistake you make here can lead to the dismissal of your case. 

The Bankruptcy Process Involves Several Steps

Before you file a Chapter 7 bankruptcy, you need to take part in a credit counseling class. Also, you must fill out and file many documents with the bankruptcy court. You must attend a Meeting with Creditors. Redemption or reaffirmation of secured debts should take place. There are other steps involved in bankruptcy, but having an attorney represent you eliminates your worries about what comes next. 

Unexpected Issues Can Arise

Some creditors might question your ability to get your debt discharged. Or the bankruptcy trustee might suspect you of fraud. Things can go wrong during the bankruptcy process, and if you represent yourself, you will not be prepared enough to handle the issue. With a bankruptcy attorney on your side, you can get your bankruptcy case moving. 

Because you are already facing financial challenges, you may try to save money by filing for bankruptcy without an attorney. However, hiring an attorney does not have to cause you more financial difficulties. A lot of bankruptcy lawyers might work with you and make a payment arrangement you can afford. Sometimes, it takes just a small retainer to avoid harassment from creditors until you can pay the legal fees in full. 

Sophia Anderson

Sophia Anderson is a finance writer and blogger with a passion for helping people improve their financial literacy. With over 5 years of experience in the finance industry, Sophia has worked with individuals, families, and small businesses to provide financial advice and guidance. Her expertise includes budgeting, saving, credit management, and debt reduction. Sophia is dedicated to breaking down complex financial concepts into easy-to-understand language and empowering her readers to make smart financial decisions. She is a frequent contributor to financial publications and has written extensively on topics such as personal finance, investing, and financial planning. Sophia's mission is to help people take control of their finances and achieve financial sec…

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