If you have already decided to file for Bankruptcy, but you can’t decide whether you can scrape up the money to hire an attorney, this quick list may help. You should know, of course that the sage advice, is always to get an attorney. If, however, all of the following are true, then you would be especially well advised to not represent yourself:
1. You are planning to file any type of bankruptcy that is not a Chapter 7 type bankruptcy.
2. You do not know, and/or do not have the patience to find out, the difference between a Chapter 13 and a Chapter 7 bankruptcy.
3. You have significant money or stocks, or valuable cars, expensive furniture or antiques that you need to keep.
4. You own real estate with significant equity you would like to protect.
5. You plan to wear white socks and levis to the bankruptcy hearings.
6. You and your spouse are divorcing or in a dispute about what to do.
However, if you have no money, and only a few possessions of any value, and are willing to read a lot on the internet, buy a book or two to help you, and have some time to invest in the project, then maybe, just maybe you, can try to pull it off. Start with buying the best book on the topic, which you can find below. Also see How to File, which is a good place to start.