Filing Bankruptcy: Self File or Hire A Lawyer

Posted: February 27, 2023 at 4:12 pm

Filing bankruptcy can be a complex and overwhelming process. It’s important to know your options and understand the steps involved before making a decision. In this blog, we will explore the basics of filing for bankruptcy, including whether it’s better to file by yourself or with the help of a lawyer.

What is Bankruptcy?

Bankruptcy is a legal process that helps individuals or businesses who are struggling with debt. It’s designed to provide a fresh start by eliminating or reducing debts and protecting assets from creditors.

Types of Bankruptcy

There are two types of bankruptcy for individuals: Chapter 7 and Chapter 13. Chapter 7 is also known as “liquidation” bankruptcy and is intended for those who have little or no income to repay their debts. In Chapter 7, most debts are discharged, and assets are sold to pay creditors. Chapter 13 is also known as “reorganization” bankruptcy and is designed for those with a regular income who can repay their debts over time through a payment plan.

Filing for Bankruptcy by Yourself

Filing for bankruptcy by yourself is known as “pro se” filing. While it’s possible to file for bankruptcy without a lawyer, it’s important to understand that the process can be complicated and mistakes can be costly. Some individuals may choose to file on their own to save money on legal fees. However, it’s essential to have a clear understanding of the bankruptcy process, including the rules and procedures involved. You will also need to complete and file numerous forms accurately, including financial statements, schedules, and petitions.

Bankruptcy Websites for Self-Filers

If you decide to file for bankruptcy by yourself, several websites offer helpful resources, including:

Filing for Bankruptcy with a Lawyer

While filing for bankruptcy on your own may seem like a cost-saving measure, hiring a lawyer can be a wise investment. An experienced bankruptcy attorney can help you navigate the complex bankruptcy process, ensure that all forms and paperwork are completed correctly, and provide guidance on the best course of action for your specific situation. A lawyer can also provide representation in court and negotiate with creditors on your behalf.

Bankruptcy Websites for Hiring a Lawyer

If you decide to hire a lawyer, several websites can help you find an experienced bankruptcy attorney, including:


Filing for bankruptcy can be a difficult decision, but it can provide a fresh start for those struggling with debt. While it’s possible to file for bankruptcy on your own, it’s important to understand the risks and benefits of doing so. Hiring an experienced bankruptcy attorney can help ensure that your case is handled correctly and increase the likelihood of a successful outcome.

Regardless of whether you choose to file on your own or with the help of a lawyer, it’s essential to seek guidance from reliable resources and understand the bankruptcy process fully. By doing so, you can make informed decisions and take the necessary steps to achieve financial stability.

I hope this blog was helpful. Good luck with your bankruptcy filing.