Do I Need An Attorney?

If you have spent some time reviewing our site, you now know that bankruptcy law is complex. Filing bankruptcy is one of the most stressful events you can experience in your life. Hiring a qualified professional to protect your rights is almost always in your best interest.

Even if you think your case is simple, it is easy for the untrained to make mistakes that can cost thousands of dollars and/or result in the denial of a discharge.

Some common mistakes made by people who try to represent themselves in bankruptcy include:

Making large cash advances, balance transfers or large charges shortly before filing;
Not listing assets;
Not taking full advantage of available exemptions;
Not including all your creditors;
Underestimating living expenses;
Misunderstanding the means test;
Not conducting any pre-filing bankruptcy planning;
Not spending your bank balance down on approved items on the day of filing;
Filing when you have a tax refund pending;
Cashing out retirement plans;
Filing with a claim against others that is not disclosed or not thoroughly discussed with an attorney first;
Paying or giving money or assets to your family before filing;
Not showing up for court ordered hearings.