I have debt I can't and will never be a to pay
Sure, and you can also do your own dental work without a dentist. Trying to represent yourself in Bankruptcy is unwise to put it nicely. There are both Federal and Local Rules of Bankruptcy that must be complied with. It is not merely filling out forms. To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation with an experienced MA bankruptcy attorney. Use AVVO's Find a Lawyer tool to select a qualified attorney. Good luck. THIS IS NOT LEGAL ADVICE! YOU NEED TO SPEAK TO AN ATTORNEY WHO IS LICENSED IN YOUR STATE FOR LEGAL ADVICE. This is merely suggestions for you to think about in discussing your situation with the local attorney.
If you found this Answer helpful, please mark it as "Best Answer" Please be advised that the answer above is only general in nature cannot be construed as legal advice, given that not enough facts are known. It is your responsibility to retain a lawyer to analyze the facts specific to your particular situation in order to give you specific advice. Specific answers will require cognizance of all pertinent facts about your case. Any answers offered on Avvo are of a general nature only, and are not meant to create an attorney-client relationship.
The short answer is Yes. You can file bankruptcy without a lawyer. However, from experience the application is lengthy, about 70 pages and you need to make sure you are complying with disclosures. You should consult with an attorney to determine if bankruptcy is a good option for you. Filing bankruptcy, may not be the best avenue as it has a long lasting effect on your credit. You should probably consult an attorney to determine your options.
The short answer to your question, as other respondents have answered, is, yes, you can file a bankruptcy without the assistance of a lawyer. That being said, however, you should know that the complexity of the bankruptcy code, as well as the requirements that have been put into place since 2005, make the filing of a "pro se" bankruptcy petition and **extremely** perilous endeavor. Simply stated, prior to 2005 filing your own bankruptcy case was functionally equivalent to trying to do your own appendectomy: it would be messy, painful and potentially dangerous. However, with little bit of luck, you might be able to successfully complete the process. Since 2005, since the "Bankruptcy Abuse Prevention and Consumer Protection Act" or BAPCPA was enacted, attempting to do your own bankruptcy case is now more functionally similar to trying to do your own prefrontal lobotomy. The question is not whether you will make mistakes, but rather, how dangerous and fatal those mistakes may be.
I strongly urge you to contact your local Bar Association Lawyer Referral Service or seek out competent bankruptcy counsel through Avvo.com. Although it may cost to more, it is highly likely that in the long run, you will be far and away much better off! My best regards to you and yours!
If you found this answer helpful, let me know by clicking the "Mark as Helpful" button at the bottom of this answer. It's easy and appreciated. This answer does not create an attorney/client relationship and is for informational purposes only. More importantly, the information contained in this answer should not be relied on without first consulting with an attorney who practices consumer or business bankruptcy law, as applicable.
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