Should I File Chapter 7 or 13 Without a Bankruptcy Lawyer?

Under certain circumstance, it is not necessary that you retain an attorney to file a Chapter 7 or 13, but more often than not, it is simply a smart decision to do so. You should strongly consider hiring an experienced bankruptcy attorney to explain the pitfalls before you file a petition for bankruptcy and to advise you on whether a Chapter 7 or Chapter 13 case is best suited for your indebtedness. Assistance of a bankruptcy attorney ensures that you are also being adequately protected from debt collectors after obtaining your discharge in the Bankruptcy Court.

Consulting with an experienced bankruptcy attorney early on in the process can help you determine not only the type of bankruptcy you need to file, but what type of documents you will need in order to proceed with your filing. There are important Bankruptcy Code requirements related to filing under both Chapter 7 and Chapter 13, such as obtaining a Certificate of Counseling before filing to determine eligibility, and submission of current tax returns. In California, property exemption statutes may provide you with greater asset protection for retaining your home, automobile or personal property than those allowed under the Bankruptcy Code, so it is always in your best interest to consult with an experienced bankruptcy attorney for advice and information about obtaining a fresh start once you complete the bankruptcy process. Failing to adhere to the Bankruptcy Court’s required filings or to provide proper documentation timely, can lead to your case being dismissed.

If you are at the point of filing bankruptcy, you have likely thought a great deal about this decision. A small mistake can become a major complication for a bankruptcy case, so it’s always better to have an attorney on your side. Trying to file on your own could lead to many different kinds of errors that could stall or completely halt the process of your bankruptcy. Too many people learn too late that they could have avoided mistakes or delays simply by hiring an experienced bankruptcy lawyer at the outset of their case.

When thinking about filing for bankruptcy, you already have enough on your mind. Hire an experienced attorney to help you through this critical time. The Bankruptcy Law Offices of Claude D. Ames will take time to explain and walk you through the differences between filing a Chapter 7 case and Chapter 13 case.

The more complex your case or the higher the value of the assets involved, the more important it is that you retain the Bankruptcy Law Offices of Claude D. Ames in Oakland California who will explain your exemption rights and prepare you for the bankruptcy process.

Contact the Bankruptcy Law Offices of Claude D. Ames before you file, and remember, the first consultation is always free.