Bankruptcy has long-term financial and legal consequences – hiring a competent attorney is strongly recommended. Corporations and partnerships must have an attorney to file a bankruptcy case. Individuals, however, may represent themselves in bankruptcy court. While individuals can file a bankruptcy case without an attorney or “pro se,” it is extremely difficult to do it successfully. According to the United States Courts website there are several things that you will need to do to file for bankruptcy. These include:
Gather all documents. Make a list of all property and debts owed including credit cards, bank loans, student loans etc. If a debt is not listed, it is possible the debt will not be discharged.
Credit Counseling. Individual debtors are generally required to obtain credit counseling from an approved provider within 180 days before filing a case, and to file a statement of compliance and a certificate of credit counseling furnished by the provider. Failure to do so may result in dismissal of the case.
Gain Legal Counsel. Debtors are strongly encouraged to obtain the services of competent legal counsel. Even if you cannot afford to pay an attorney, you may be able to qualify for free legal services.
Filing for bankruptcy successfully can mean a new beginning for you and our family. So gather all necessary documents and seek the advice of legal counsel to ensure that your financial future will be stable and clear of any past financial problems.
Read More US Court Website link