Individuals are allowed to represent themselves in a bankruptcy, but most experts strongly advise against it. Bankruptcy law can be complex, and bankruptcy is a stressful and emotional process for many people. If you make a mistake, you risk repossession or liquidation of your house and other assets you’re trying to protect. Omitting some assets may even lead to criminal charges.
Also bankruptcy doesn’t have to be expensive. In Chapter 13 bankruptcies, most of your attorney fees can simply be added to the debt in your repayment plan meaning they are paid over a longer period. In Chapter 7 bankruptcy attorney’s fees are much lower, and payment plans are available, so that you can pay the fees over time.
Remember, if you choose to represent yourself in your bankruptcy case, you will be held to the same standard as if you had an attorney. Save yourself unneeded stress by hiring an attorney to represent you.
The Law Offices of W. Kirk Moore offer free consultations, 5 days a week to meet your needs. Do yourself a favor and let us develop the right strategy for your situation to insure the filing is done correctly; it’s our job.
Our law firm provides comprehensive bankruptcy representation for individuals throughout the California Bay Area. We are committed to helping our clients achieve the debt relief they deserve. We also pride ourselves on our ability to make the bankruptcy filing process as stress-free for our clients as possible.
At the Law Offices of W. Kirk Moore our legal team understands the emotional and financial hardships attached to owing significant debt. Our San Jose bankruptcy law attorney, W. Kirk Moore, has filed thousands of bankruptcy cases. As a former finance professional, attorney Moore has dedicated his law practice to helping those facing serious financial issues. He possesses sophisticated knowledge of the federal Bankruptcy Code, including the means test. He can evaluate your situation from every angle to determine whether you would benefit most from Chapter 7 or Chapter 13.
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