Do You Need an Attorney when Filing for Bankruptcy?

Filing for bankruptcy is something that no one wants to think about. If bankruptcy is looming, sometimes it helps to take the problem head on. Many people hire attorneys to help them through this period. You may be wondering if you have to hire an attorney, or if you can go it alone. Here are a few things to consider about hiring a lawyer when filing for bankruptcy. 

Not Required

It is not required that you hire an attorney when you officially file for bankruptcy. There is no law that says that you have to be represented by someone else. In fact, it is your right to represent yourself in a case. Some people prefer to handle everything themselves. With that being said, it is not always in your best interests to do so. 

Why You Should Hire an Attorney

There are a lot of reasons that you should consider hiring an attorney for a bankruptcy filing. One is that most people will have no idea what they are doing if they go it alone. Filing for Chapter 7 is more straightforward, and  there is a chance that you could handle it alone. However, Chapter 13, can get very complex. You could get in way over your head. You need to have someone that has experience in that area to help you file. This is your financial future that you are dealing with, and leaving it all to chance can be irresponsible on your part. 

With a complicated bankruptcy, there can be a lot of technical issues that you have to deal with. Filing the proper paperwork and making sure that you do it correctly is paramount if you want to get through the process with minimal problems. Therefore, the expertise that a competent attorney can provide you is very valuable in this situation. 

The Verdict

Technically, you do not have to hire an attorney when you are filing bankruptcy. With that being said, in most cases you should hire one anyway. The courtroom can be a very intimidating place by yourself. This is especially true when you have never done anything like this before. Having your own bankruptcy attorney can help you navigate your way safely to the other side and start getting your life back on track. 

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