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FILING BANKRUPTCY WITHOUT A LAWYER is a very straightforward process, even for the individual, if done right. There are steps that need to be followed, AND FOLLOWED IN ORDER for a successful bankruptcy discharge (wiping out) of debts.
A useful HOW TO FILE BANKRUPTCY WITHOUT A LAWYER tutorial can be found at the following link, outlining all the steps involved in the bankruptcy process:
http://www.ezbankruptcyforms.com/how-to-file-chapter-7-bankruptcy-without-a-lawyer.html
Many of the steps involved for a SUCCESSFUL BANKRUPTCY DISCHARGE intentionally sound intimidating, but they are actually very low hurdles to get by. You must complete many of these steps on your own, whether you hire a lawyer or not. If done right, one should be able to receive a bankruptcy discharge without a lawyer within about 100 days.
A lawyer will save you very little time in the process, but DOES provide guidance on the steps involved in the link above. If you cannot handle preparing for this, you may want to consider actually hiring a lawyer.
Yes there is and if you follow the link below, it will take you to a free site that will send your free forms, and give you all the help you need no matter what state you are in, and it is free, now there are some paid stuff on the page as well but you can bypass those.
http://tinyurl.com/bankruptcyhelpfree
it will be unbearable with out a lawyer. since you are filling anyway just stop paying your bills and use that money to pay for the lawyer. as soon as you file the forcloser will stop.
Source(s):You can go some financial expert. Try to visit this:http://freshstartsolutions.com.au/bankruptcy/#bankruptcyoption
Wiki User
∙ 10y ago
Wiki User
∙ 11y agoFirst off, I am assuming that if you are asking this question, you are an "individual" (as opposed to a business). There are several different "Chapters" of Bankruptcy that you can file under, whether you are a legal entity or an individual. Only persons can file a Chapter 13.
Chapter 13 is a bankruptcy "repayment plan", where (simplifying things a lot) the debtor agrees to a plan with his/her creditors and the judge to repay the debt over a period of time at a lower interest rate.
Chapter 7 is a "debt liquidation", where the debtor proves insolvency (mostly due to loss of wages) in order to have his/her debt completely wiped out by the courts. Chapter 7 seems more desirable for a debtor to file than Chapter 13, so the Federal Government has developed a system to see if a debtor can actually qualify for Chapter 7. It is on a Federal form commonly known as the "Means Test".
Some courts have a "pro se" clinic periodically or a pro se lawyer providing limited legal assistance to filers representing themselves.
Pro se filing, while not common, IS possible, and you CAN get a discharge on your own. There are certain steps that need to be followed in order (they seem to be detailed in the "How-To" sites above), and your forms must be filled out properly. If you have the means, you may want to spend $50 or so for a good BANKRUPTCY SOFTWARE FOR CONSUMERS program to have that portion run smoothly.
Filing "pro se" can save you a lot of legal fees, and CAN be done, but you should still plan on spending about 5-6 hours getting your paperwork in order. Chances are, though, that if you are considering BK, you may have a little extra time on your hands anyway.
Even following the above directions this will seem very difficult at first, but you should be able to gain some familiarity after a few hours.
Wiki User
∙ 12y agoAn individual can file bankruptcy without an attorney, and therefore file without attorney fees. But the process is complicated and would require a person who is knowledgeable of the United States Bankruptcy Code, the Federal Rules of Bankruptcy Procedure, and the local rules of the court in which the case is filed. The rules are very technical, and a misstep may affect a debtor's right. The long-term consequences for filing bankruptcy are very heavy.
There are attorneys who provide certain free legal services and consultations to determine the best avenue in debt management. These may also provide assistance to those qualified, in no down payment or monthly installment plans. It would be best to contact those attorneys directly for a list of services.
Wiki User
∙ 14y agoWhile it certainly is possible, it generally is not a good idea to tackle a bankruptcy filing without professional advice. Since bankruptcy rules are set by specific states (and some local courts), any legal advice you receive online may not be in your best interest. Some law firms will work with you to give you only the amount of assistance you need for reasonable fees, such as answering specific questions.
If you choose to go it alone, there are many sites on the Internet that offer do-it-yourself bankruptcy kits customized for your state. You can search the Internet for "do it yourself bankruptcy" to find many options.
First - BANKRUPTCY IS ALWAYS HANDLED IN FEDERAL BANKRUPTCY COURT. Under Federal Laws. (There are some State of residence considerations, but they are overall not that important...and really to help the Federal court apply the laws to make sense for the area it is operating).
You can represent yourself for capital murder, even serial murder. Of course you can represent yourself in bankruptcy. But, especially as you even had to ask, and there are many possible outcomes in any court case, AND CONSIDER ALL YOUR CREDITORS WILL HAVE LAWYERS, you really need one.
Wiki User
∙ 13y agoYes, this is called in pro se. However, most of the pro se cases are not successful and are eventually dismissed. Shop around, any competant lawyer can handle and bankruptcy for you, and although there will be expense, it will be cheaper in the long run.
Wiki User
∙ 7y agoBankruptcy without money or a lawyer is possible. I think you should need a financial advisor first to consult a financial advisors ifyou can decide if bankruptcy is right for your situation.
I found one here who are experts about that freshstartsolutions.com.au/bankruptcy/
Wiki User
∙ 10y agoI think it is not possible, but there are many lawyers who provide free legal advice. You can consult with them for free of cost.
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Where can one find an attorney to defend a Chapter 11 Bankruptcy case?
Filing a Chapter 11 Bankruptcy is a complex process. Finding a qualified attorney who is compassionate and understanding is an important first step. Compassion and understanding is a necessary requisite for such an attorney because a person files a chapter 11 bankruptcy because he/she has basically run out of any financial options like further bank loans. Checking out genuine review sites for bankruptcy attorneys on Google is perhaps a good place to start.
Can you declare bankruptcy without an attorney?
It is possible to file bankruptcy without an attorney. But it would only be suggestible to those with a good comprehension of the current bankruptcy laws while keeping up to date with any changes to those laws. A person would have to how to submit all the complete information, dates of deadlines, which property they are entitled to claim as exempt as well as which property that are not entitled to, and finally what chapter of bankruptcy to file under. A result of not completely adhering to or understanding the law and procedures, could lead to a dismissal without debts being discharged. If a person does not have the comprehension to follow this whole procedure, it would be best to simply consult with an attorney.
In a Chapter 7 bankruptcy a person filing for relief is called a?
In a Chapter 7 bankruptcy, a person filing for relief is called a
How does a person file for chapter 11 bankruptcy?
To file chapter 11 bankruptcy one must propose a plan and then must find creditors to agree with this plan. Then, the person must take the plan and creditors to bankruptcy court where the judge will decide whether the plan can work or not. As long as the judge and all the creditors agree then that person can follow through with the plan and be in chapter 11 bankruptcy.
Where can one file for bankruptcy or fraud?
In order to file for bankruptcy a person will need to hire an attorney or lawyer. Bankruptcy has long term financial consequences for the person so a competent attorney should be hired.
Why did the attorney tell us it would be seven years for a Chapter 7 bankruptcy?
By law, a person (or couple) can only declare bankruptcy every seven years. If you go through with a Chapter 7 bankrupcy, it will take 7 years for it to rotate off of your credit history.
If you can no longer participate in your chapter 13 due to a job loss how can your employer keep taking out payments?
If the bankruptcy participant is no longer employed by the company then the deduction cannot be made. There obviously has been some miscommunication between the person and his or her legal counsel. The person involved in the bankruptcy needs to sit down with the attorney and straighten out the issue. It is doubtful without the participant having a source of income that the dismissal of the chapter 13 can be avoided.
Can a judgment be made on a person who has filed chapter 7 bankruptcy?
yes
Can a person file Chapter 7 bankruptcy if their spouse already has?
Yes, you can.
Bankruptcy Court Cases: Reasons to File a Bankruptcy Case?
In a touch economy, there has truly been an uprise in the number of bankruptcy court cases filed everyday. Filing for bankruptcy is something that should never make a person feel ashamed or guilty. Rather, bankruptcy is a normal part of what happens when the economy takes a turn for the worse and people lose their jobs. This article will discuss the best ways that a person can handle his or her bankruptcy situation. When a person feels that debt becomes too much to bear, then it may be time to file for bankruptcy. If a person is unable to make his or her monthly payments on credit cards or simply owes too much in loans, then it is a good idea for this person to begin considering the possibility of filing for bankruptcy. If a person is unsure whether or not he or she should file for bankruptcy, then it is a good idea for this person to consult with a bankruptcy lawyer. A bankruptcy lawyer often gives a free consultation to any person that comes into his or her office. This consultation will reveal whether or not a person qualifies to file for a certain type of bankruptcy, as well as whether or not it is in a person's best interest to file for bankruptcy. To file for certain types of bankruptcies, there are certain conditions that must be met. For example, if a person wants to file for a Chapter 13 bankruptcy, then he or she will need to have a regular and stable income. If a person is a student without an income, then he or she will be unable to file for a Chapter 13 bankruptcy. If a person also does not have any assets, then he or she will likely be unable to file for a Chapter 13 bankruptcy. It is truly a good idea for a person to carefully consider the type of attorney he or she gets to work on a bankruptcy case as well. A person will need to make sure that an attorney is qualified to work on his or her case. A person should always make sure that a lawyer is in good standing with the bar association of a certain state, otherwise a case may be dismissed in court. One does not want to have this happen in court, since it can often be embarrassing and cost a person a lot of money.
If you filed chapter 13 7 years ago and it was discharged in Feb 01 how can you contact the credit bureau to remove this from your record if your attorney will not return your phone calls?
A Chapter 13 bankruptcy will remain on a person's credit report for the required ten years not seven.
What protection does Chapter 11 Bankruptcy offer?
Chapter 11 is the bankruptcy code issued to a business who files for bankruptcy. This type of bankruptcy protects a business and will allow it to get running again. If a business fails and applies for chapter 7, they must sell everything and give the proceeds to creditors. A person on chapter 11 does not have to do this.
