Legal Aid, Public Counsel (LA version) and Public Law Center (Orange County) for example, will handle some bankruptcies at no charge for indigent people.
Looks like the closest is:
California Rural Legal Assistance (CRLA)
Modesto - Stanislaus County - California
Phone : (209) 577-3811
Curt Harrington Patent & Tax Law Attorney Certified Tax Specialist by the California Board of Legal Specialization PATENTAX.COM This communication is general information and not legal advice, and does not create an attorney-client relationship. This communication should not be relied upon as any type of legal advice. Please note that no attorney-client relationship exists between the sender and the recipient of this message in the absence of either (1) a signed fee contract and (2) remission of an agreed-upon retainer. Absent such an agreement and retainer, I am not engaged by you as an attorney, nor is any other member of my law firm.
It is difficult to find good free bankruptcy help. This is a very complicated area of law that does not seem complicated.
Try the bankruptcy court and see if there is a self-help center. They may be able to refer you to someone or maybe there is a large firm that donates a certain amount of hours to helping people in your situation.
A lot of good attorneys do that here in Phoenix.
I would assume the same would be true in your District.
1845 S. Dobson Rd. Ste 201
Mesa, AZ 85202
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
Please contact me directly with document for a free 30 minute consultation to get more concrete advice. This is not legal advice. I don't have enough information to give actual legal advice. I can only take the limited information presented and provide a framework to know how your situation may turn out. I may have questions that bring up issues you did not think were important but make a big difference.
Have you spoken to a lawyer? Do you know how much they charge? How do you know you can't afford one. If you are going to file for bankruptcy then I assume your not paying your creditors and if you are paying them and you are going to file you should consider why you are paying them if you about to go bankrupt.
Chapter 13 costs about $3500 plus filing fees and Chapter 7 varies with an average of around $1200 plus filing fees. Chapter 7 is paid upfront and Chapter 13 can be worked into a payment plan.
Finally, maybe bankruptcy isn't even the answer for you int he first place. Bankruptcy doesn't save the house, it only temporarily stalls foreclosure. If you only have a first mortgage then the lender can foreclose and can't come after you for a deficiency. If you have a second the lender may or may not be able to seek payment on the 2nd.
Also, why are you so concerned over the ex anyway? Any debt taken out during marriage are 1/2 hers anyhow.
Lastly, if you cannot truly afford an attorney and bankruptcy is your choice, then you could try to navigate the waters yourself. If you do this yourself then be aware that trying to cheat on the bankruptcy paperwork will get in you major hot water. I mention this because you seem concerned for your ex and figure you might try to leave certain debts off the bankruptcy list in order to protect her. When the bankruptcy court or trustee asks for you to list ALL debts - that is exactly what it means. Don't mess around.
The above information does not establish an attorney client relationship nor is it meant to provide legal advice.