Bankruptcy Without A Lawyer

Posted onDecember 14, 2011 - 10:21 am by Admin | 0 Comments

People have a right to file a bankruptcy case without an attorney or legal representative. The person should obtain as much information as possible regarding the bankruptcy process prior to filing the case. Compliance with the Federal Rules of Bankruptcy Procedure and the local rules of the state's district bankruptcy court is required. Most bankruptcy court websites provide instructions and non-legal advice to debtors who do not have a bankruptcy attorney.

Chapter 7 Bankruptcy and Chapter 13 Bankruptcy

Most individual debtors either file Chapter 7 or Chapter 13 bankruptcy. A bankruptcy attorney can advise a potential client of which bankruptcy chapter he is eligible for, but without legal assistance, the person must decide that on his own. Chapter 7 bankruptcy is for people with an income that doesn't exceed the median income level for their household size. People with an income greater than the state's median income level can also qualify for Chapter 7 if they have high basic living expenses.

If a person makes too much money to qualify for Chapter 7, he can file for Chapter 13 bankruptcy. Chapter 13 debtors often include people who fall behind on their mortgage payments but want to keep their property. If the person can afford to complete a three to five year payment plan based on the amount of his disposable income, then he can file Chapter 13 bankruptcy.


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