While it is a discretionary decision for the judge to make if you miss the deadline, the choices may include dismissing your case , fining you , precluding you from filing another bankruptcy for up to a year, and for what? The work involved to complete the schedules takes a competent attorney less than an hour to prepare. If the problem is putting together your financial records, a good bookkeeper can be a Godsend as well. And most bankruptcy attorneys have the name of a good & reasonably priced bookkeeper in their rolodex. Hope this perspective helps!
Hire an attorney, messing up a bankruptcy can have huge consequences on your life.
Though we strive to provide accurate legal information in our answers on AVVO, our answer should not be construed as legal advice and it does not create an attorney-client relationship. Our firm only forms attorney-client relationships by written agreement signed by both our firm and the client. Please seek an in-person consultation with an attorney immediately as almost all legal matters are time sensitive and failing to meet deadlines can result in adverse consequences.
You absolutely need an attorney. Debtors are strongly encouraged to obtain the services of competent legal counsel. Even if you cannot afford to pay an attorney, you may find yourself paying even more if your case gets dismissed due to untimely filings. Chapter 7 is for a fresh start, in most cases it can be a relatively simple case, but turn into a nightmare if not done correctly. You are already havig problems, call an attorney right away. Good luck