No. You can file bankruptcy without hiring an lawyer, just like you can take a bullet out of your arm by yourself, saving the cost of a surgeon.
Should you? Would you? Of course not. The new bankruptcy law which went into effect October 17, 2005 is so unbelievably complex that even bankruptcy attorney specialists have been challenged to meet all of the requirements and understand the nuances of the law. It is virtually impossible for a non-bankruptcy attorney, or a person who is not an attorney, to properly prepare a case, assess the options and potential problems, comply with all the rules and regulations, and successfully navigate the case to a successful conclusion. You will, quite simply, need an attorney who specializes in bankruptcy law to handle your case. There are companies on TV and on the web that will encourage you to file bankruptcy without an lawyer. Their pitch is that "You can file bankruptcy without an lawyer". The bad thing is that these ads give you the impression that it is safe or appropriate to do so.
The truth is: It is NOT safe or appropriate to file bankruptcy without an attorney. Is it possible for you to make it all the way without incident? Yes, with enough luck, anything is possible.
Do you want to trust the future of your family to luck? Of course not. That's why you hire an experienced bankruptcy attorney to assist you through unfamiliar terrain. He or she knows where all the problem areas are and how to avoid them, because he is your best guarantee of a good result. Hire a "professional". If you need to file bankruptcy, or think you might or just need answers, you need to go see a lawyer; You want a lawyer who does nothing but bankruptcy for a living, a lawyer who does bankruptcy full-time and who has tons of experience. You get what you pay for. It's the same with bankruptcy. Instead of asking if you can file bankruptcy without an lawyer, you should be asking: Which lawyer should I go to? The good news: Most bankruptcy attorneys offer a FREE initial consultation...so you have nothing to lose. Call today for your FREE initial consultation."
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