I recognize a lot of people believe attorneys are too expensive. Quite frankly, many of them are.
I highly recommend you look for a qualified bankruptcy attorney who charges on a flat fee. You should know exactly how much their legal service will cost you before you leave their office.
There are many factors to consider when filing for bankruptcy. Did you know there are over 25 different criteria we need to analyze just to decide whether a Chapter 7 or a Chapter 13 will be best for you? For average consumers, it's a very difficult process to go through. There are dozens of deadlines, massive amounts of paperwork, financial charts to turn in, and you have to appear before a judge and a court appointed bankruptcy trustree and defend your every decision in court. This can be very intimidating for many people, but we do this every day. We are professionals and know exactly what to look for and what questions to ask to determine the specifics of your case. We will give you all the pros and cons of each option and help you make the best decision for you, your family and your future.
Many people try to file for bankruptcy on their own. This is known as filing pro se. You may be considering doing this. Here's 2 reasons why you should think twice before doing so:(1) The new laws made filiing for bankruptcy very difficult. There's a lot more paperwork and deadlines than ever before. If you miss one, your bankruptcy will be dismissed, you will have to start over, and you will be completely unprotected during this gap. (2)If filing pro se is so easy, why is the #1 self-help book on filing for bankruptcy over 550 pages long! Think about that. If you went to college, how many textbooks did you read that required over 550 pages just to tell you what they needed to tell you?