The short answer is: No. Personal bankruptcy filings do not require an attorney; the forms required to file are free, and anyone over 18 can legally submit them on their own behalf. Just as many people do their own car repairs or tax returns, sometimes with less-than-ideal outcomes, some attempt to file bankruptcy on their own.
Utah Bankruptcy Attorneys
In addition, there are many companies in Utah that advertise bankruptcy services for amounts as low as $200. However, these services are typically provided by legal document preparers, not lawyers. Document preparers are prohibited by law from giving professional legal advice, they cannot represent you in court and they cannot usually clean up the mess when something goes wrong. Without a skilled bankruptcy lawyer in your corner, the risk of costly mistakes is significant.
Attorney Ryan E. Simpson only practices bankruptcy law. He knows the federal laws that govern bankruptcy, and he knows what pitfalls to avoid, particularly when it comes to protecting your assets — tax refunds, transferred assets and vehicles, for example — from trustees and creditors. Contact Brian for advice on your case. Learn more at http://markalexander.over-blog.com
Do You Need A Bankruptcy Attorney?
If you failed the test, it’s not that you can’t ﬁle, it’s just that you are probably going to need some legal help to stay in. You certainly need more knowledge than what’s offered here in this book. However, you may make a case that your debts are not primarily consumer debts. For example, you put 30k on your personal credit cards but did it all supporting your restaurant. Most jurisdictions don’t consider medical expense as “consumer debt”, (one hardly thinks of a broken leg as a consumer item) but then what if you owe for a facelift, other elective or psychological necessity – does it make a difference? This is why you should consider a bankruptcy attorney.
Some jurisdictions don’t consider student loans as a consumer debt if it prepared you for a profession. Bottom line, if your income is in excess of the tables above, you need professional help and by all means do not be intimidated. It’s our job as lawyers to read between the lines. If your lawyer doesn’t have an answer for you, see a different bankruptcy lawyer. Learn more at http://3544093hv3v.com
Can I File for Bankruptcy Myself?
Sure you can, even the Court and Congress anticipates that you will and provides many resources to make it easier on you. Take a look at the case of Jose Carrillo that I have appended here. Jose, a janitor who spoke little if any English, ﬁled for chapter 7. He did it “pro se”, that is to say by himself, no attorney represented Jose. Take a few minutes to read the case. It demonstrates the courts willingness to bend over backwards on your behalf and give you, the unrepresented debtor, the beneﬁt of the doubt. Had he been represented the Judge would have given the attorney, and thereby you, the heel of his boot. This is why you should hire Utah bankruptcy attorney Ryan E. Simpson.