can a person file bankruptcy on their own with out a lawyer?
468184
Yes, I did many many years ago. I bought a book that was very detailed and gave me checklist, forms etc.. for the state I lived in at the time. I would suggest going to to the library first and do some research on it. Then when you find the right book, go to the book store and buy it. You can find out if a paralegal would be willing to help you as another option.
178385
go Bankruptcy.com and you can find attorney`s in you area and contact them or see if any of your friends know of any gay attorney`s  GOOD LUCK
679118
You can file a petition with the court on your own, but it will be better for you to get a lawyer, because your mother will definitely get one once the petition is served. Many young lawyers will work for free just for the experience. Check your local listing for free legal advice.
651008
You can have a thousand bankruptcy's on your record and still qualify for a loan.  Finding someone to loan it to you is the trick.\n\nIt depends on how many, and how much.  You can probably get a loan but the interest rate will be a little high.
128132
Well, if you fall into the criteria for filing Chapter 7 (your HOUSEHOLD income (not just yours) is lower than your states median income) then you should probably look to spend between $500-$1500.  You can fill out the paperwork yourself and file everything for a smaller fee (there's like a $200-$400 fee to file the paperwork).  The attorney's may offer a free consultation, however when an attorney does a bankruptcy they represent you because they are filling out the paperwork for you on your behalf.  Have you visited wethepeoplema.com ?  They show you how to file by yourself.  Good Luck.
1127799
Once it is filed, yes. Although a Chapter 13 you are paying debts off through the court. You fail to keep up the payments, your bankruptcy gets discharged back to the creditors to collect.
851962
Talk with an attorney.  There might be a way you could still come out of bankruptcy with something left.  You didn't say why you want to go bankrupt.  Do you owe more than $65,000?  If there is a way that you can not file bankruptcy then I suggest that you do not file for bankruptcy.  Do you have relatives you could live with if you lose the house?  Usually if you have a lien then any money that's taken from your pay or from what has been sold that you own first goest to paying the lien on the house.  Debts on the other hand, well you can go to Consulter Credit Counseling who can remove the interest, close your accounts, and help you pay down those bills if you have a job.  Right now there are a lot of part time jobs so you can get a second job for the holiday season and don't buy anything more.  Cut off your cable, get rid of your cell phones, and if things get really tight then sell your expensive car if you have one and get a clunker for a while till you recover.  If there are others in your family they could get jobs too.  And, if you can still have the house for a while longer then maybe you can rent out a room by the week (ask for church attenders who need a room to stay over the holidays).  But first you need to figure out how much time you have left on the house before it goes into foreclosure.  Best of luck to you.
1106428
You don't.  Bankruptcy is an extremely complex proceeding.  You need an attorney to do it properly.\n\nIf you insist on doing it yourself, first step is to get a law degree, and then pass the bar exam.  That should take 6 - 8 years.  Even then, you'll have a fool for a client and an idiot for an attorney.
713222
You are out of luck without a lawyer.\n\nCoach
208930
It depends on how your 'Community Property' laws in your state work.\nYou might want to retain a financial lawyer, or at least hunt around for a decent one experienced with financial matters.\nI would suggest you keep your finances separate, too. Stuff only in your name and such.\nOn a side note...even if it is illegal, creditors will say anything and everything to get money out of you. \nIf they've already discharged the bankruptcy, creditors cannot bother you anymore unless you fail to pay on agreed terms setup in the bankruptcy. We only had a couple of issues with creditors, but, as soon as you say it was discharged and give them the doc-number,they'll usually leave you alone.
881806
I filed for bankruptcy 4 years ago. I made payments to my lawyer. I couldn't really afford one payment. Some of them will offer a payment plan.check into it
405804
Yes, *lol* lots of attorney have filed backruptcy that was nothing to do with the BAR, as long as you can pass the bar exam you can, I think having filed backrupcy it might be hard to afford the schooling but thats a different story, plus I think in louisiana you dont even have to go to school to take the bar so maybe you should go there\n\nCan I take the exam if I have filed for bankruptcy?\n\nBankruptcy is in itself not a disqualifying factor, but the Character and Fitness Committee and the Board will look at the apparent reasons for the bankruptcy to determine whether there may be disqualifying financial responsibility factors.\nhttp://www.vbbe.state.va.us/faq.html#27\n\nThat is for virginia but most of the states are going to be about the same to find out your state do a google search for\nbankruptcy and the bar exam or just click this link -> http://www.google.com/search?num=100&hl=en&safe=off&sa=X&oi=spell&resnum=0&ct=result&cd=1&q=bankruptcy+and+the+bar+exam&spell=1\n\nEDIT ok forget that do one for -state qualification for bar exam- or click http://www.google.com/search?num=100&hl=en&lr=&safe=off&q=state+qualification+for+bar+exam END EDIT\n\n\nThat should be all you need to know or at least all the resources\n\nBy the way I think you would make a better bankruptcy lawyer becuase you have what is called "life-experience" *lol* :D
112655
Yes.  You do not list those debts as part of your bankruptcy plan and reaffirm with the lenders (who by law receive notice of bankruptcy) that you will still be paying them what is owed.  You do not need to file chapter 11 or 13 in order to reaffirm.  However, if you are including those debts in your bankruptcy, then as a rule those assets must be liquidated in order to minimize the lenders' losses.
629269
Dear Friend,\n\nIt's time to consider filing for bankruptcy.  Your ex is broke, and there's no way the state can be held liable.  Sorry, that's the bottom line.\n\nYour Friend,\nFrancesois
281392
Depends on the state, and how easy it is to access their law information.\n\nIn Michigan, a quick search of Michigan's MCL laws comes right up with that info.\n\nNow, understand how it applies to you is a completely differant battle.  I would strongly suggest you get a bankruptcy attorney and let him explain it.
222042
You you can.  But it's still going to take a lawyer to help divide the debts between you and your husband.\n\nYou also need to contact your bankruptcy lawyer and trustee, because it's going to have a drastic effect on you "plan".
760202
If you are totally desperate, and you have no assets to protect, you can file bankruptcy pro se. Many have done this.\n\nIt's harder now under the George W. Bush-sponsored 2005 Bankruptcy Code amendments. But it can be done. There is help online, especially at the newsgroup alt.bankruptcy http://groups.google.com/group/alt.bankruptcy?lnk=sg&hl=en\n(You need to register with Google. Set up a new Yahoo! or Hotmail account for that, otherwise you'll be bombarded with spam once  your real e-mail address gets online.)\n\nYou need to go through CREDIT COUNSELING first. There is a list of approved agencies, some online. Some of them -- perhaps most -- will waive their fee for really indigent people.\n\nYou CANNOT FILE until you have had that "counseling". It's a waste of time, of course, but it's part of Bush's law -- and the credit card companies bribed Congress to pass it with $40 million in campaign contributions (it didn't help the Republicans win, but it did get them the law they wanted). http://www.usdoj.gov/ust/bapcpa/ccde/cc_approved.htm (list of approved counseling agencies) \n\nSo all you'll need is money for the forms (you can hire a forms-filler person, but really you can do them yourself) and the filing fee ($299 for Chapter 7). Or (best of all) use Blumberg.com http://www.blumberg.com/ -- you may be able to do it for $50 online, although I'm not sure how that Web site works and don't have the time right now to figure it out. (I know the company's other forms very well.)\n\nI suggest you get the Nolo Press book on bankruptcy: http://www.nolo.com -- perhaps your public library has it, or maybe you can get it even cheaper on eBay -- but Nolo is very good for do-it-yourself lawyering.\n\nThere is other free legal help, but really bankruptcy isn't difficult when you have no assets (home, car, valuables) to protect. You get certain exemptions, depending what state you live in. Some states (Florida, Texas ...) are generous; others (Ohio, Illinois ...) not. But when you have nothing, it doesn't matter. Once you get a discharge, you will use debit cards. \n\nOpen an account with a bank where you have no loans or credit cards, and have only a few dollars in it when you file. And make sure you have no money in any bank you have loans or cards with because they will take that money -- even your unemployment check -- as an offset to your debt.\n\nVisit the bankruptcy court. Sit in on some sessions, talk to people there. Even lawyers if you like and if they have time. Also sit in on some "341" meetings of creditors where the bankrutpcy trustee interviews the debtors. You will be less apprehensive if you are familiar with what's going on.\n\nGood luck.