When you are behind in your debt, and can’t squeeze out another dime, it is tempting to represent yourself in your bankruptcy case. You can legally file and represent yourself in court, but the question is, should you?
You can find just about anything online these days. You can undoubtedly find a pack of forms to fill out for your bankruptcy. They may even have generic instructions to help you out if you get stuck on a question. They will not, however, back you up in court if you answer something wrong or miss an important filing date.
Hiring a lawyer is kind of like hiring an electrician; you want and appreciate their training and experience to do the job correctly. Most of us would not try to rewire our homes, so why would we want to represent ourselves in court?
In most cases, the time you spent researching how and when things are supposed to be filed, what exemptions you are allowed, which bankruptcy chapter you should file and what are the rules- you could have been working at your own job making money to pay an attorney that knows all of this and more.
Most attorneys have modest fees, and some allow payment plans. There will be filing fees, court fees, trustee fees, etc., you will pay these regardless of if you have legal representation or not.
The money and property you could potentially lose by not filing your paperwork on time or filling out your forms out incorrectly are probably going to be far more than if you would have paid an attorney in the first place.
If you are considering bankruptcy, go with the experience and knowledge of a Plano bankruptcy attorney.