When you are planning to file a Chapter 7 or Chapter 13 case, you are likely looking for every way possible to cut costs and save money. If you are considering representing yourself in your bankruptcy filing, please read our blog titled “Why you Need an Attorney to File Bankruptcy.” Filing any form of legal action (and particularly a bankruptcy case) without legal counsel can be overwhelming and costly. Another way people think they can save money is by using a bankruptcy petition preparer to file their case.
As the name indicates, a petition preparer is somebody who assists you with drafting and filing your initial bankruptcy pleadings. They use all of the financial information you provide to them to prepare your petition.
Once your bankruptcy petition has been drafted, however, you are on your own. A petition preparer is not an attorney. He or she cannot give you legal advice, which means many of your questions will go unanswered. A petition preparer cannot represent you in court, so you will be alone during your meeting of creditors and/or any hearings before the court.
The additional amount you will pay to work with an attorney is minimal when compared to the services you get in return. A lawyer is by your side throughout every step of your case. An attorney will be able to answer all of your questions and provide you with advice and guidance you can rely upon. Your lawyer will help you anticipate issues that may arise in your filing and help you take precautionary or preventative steps. This can save you time and money.
Of all people, bankruptcy attorneys understand the financial struggles you are facing. Most seasoned lawyers charge reasonable rates and are willing to work with you to make your filing affordable. If you are not sure whether you can afford to work with an attorney in seeking Chapter 7 or Chapter 13 debt relief, schedule an initial consultation and let us review your unique situation. We can answer your questions and help you understand all of your options.
At The Law Office of Diane Anderson, our lawyer has been through a divorce, a bankruptcy, and faced estate planning and probate termination after her mother passed away at a young age. This kind of experience is unmatched by attorneys who have simply guided their clients through each process. Contact us today to schedule a comprehensive consultation.