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3 risks of filing bankruptcy pro se

If you are considering bankruptcy options for debt relief, it can be overwhelming trying to determine which is the best chapter for you. Each person’s financial situation is different, so there is no one-size-fits-all solution. Whichever one you choose, it is important to ensure that you file your petition correctly and have what you need to follow through.

Hiring a lawyer may be the best way to ensure success for your bankruptcy case. With a legal professional guiding you through the process, you do not have to worry about some of the missteps commonly made when filing independently. Consider the following three risks of pro se bankruptcy.

Wrong chapter

There are several different chapters of bankruptcy available, but Chapter 7 and 13 are the most frequently filed by individuals. When people do not understand the differences, they may end up choosing the wrong one. Attempting a Chapter 13 repayment plan rather than liquidating assets may keep someone from achieving financial stability. On the other hand, someone with a steady income may be able to keep a home or car that might have been liquidated through Chapter 7.

Paperwork errors

According to the United States Courts, the state and federal laws that regulate bankruptcy are quite complex. The paperwork for any type of bankruptcy is full of complicated requirements that often result in errors for the inexperienced. For example, it is fairly common for people filing pro se to accidentally leave out a source of income such as child support or a liability such as an auto loan when taking the means test. A simple mistake could result in the dismissal of your case.  

Creditor issues

Although creditors are not supposed to continue attempting to collect a debt after you have filed bankruptcy, there may still be some need for communication. It is important to know when this is necessary and when it is inappropriate so that you can provide the proper response.

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