Legal Question in Bankruptcy in Massachusetts
Can I file without an attorney
My situation is simple. It's pretty ''cut and dried''. I have several credit card bills that I can no longer make payments on. They have been delinquent for several months. I lost my job last year and unemployment ran out. I have recently had to undergo surgery and the recovery time will now set me back even further. These are my only debts and I would like to know how complicated filing would be for me. Can I do this on my own? I understand that there are fees, and I know that hiring an attorney will be costly.
2 Answers from Attorneys
Re: Can I file without an attorney
Yes, you can file without an attorney. The do-it-yourself forms are available from Staples, Borders Bookstores, Barnes & Nobles, for about $30. Most people who do their own tax returns can understand most of the forms. The most confusing (and potentially the most dangerous) is Schedule C, the exemptions.
The filing fee is $200; my fee for a simple c. 7 is $500; I also offer a service for $75 in which you get and prepare a draft of the forms, and I review them, walk you through the process, and show you what needs to be corrected or changed with your forms. You complete the changes and file them.
Re: Can I file without an attorney
Yes, you can certainly file without an attorney. DO NOT, however, use any of the form preparation services around. They generally do it wrong, charge too much, and create more problems than they solve. That said, filing without an attorney is NOT a good idea because the forms you must complete are not always easy to understand for a layperson. Also, get an attorney that practices bankruptcy regularly; it is a sufficiently complex area of the law that a minor error can cause major headaches! I do about 95% bankruptcy, so (frankly) I recommend myself. Call for an appointment.