Legal Question in Bankruptcy in Oregon
I decided to file for chapter 13, but the problem is I dont know how to go about it. I know there are lawyers to help me out with the process but I cant afford to pay for their services and fees. I am 25 and new to the concept of filing for bankruptcy. Need a little to a lot of guidance...
1 Answer from Attorneys
Ch 13 bankruptcy is a complex area that requires the confirmation of a Ch 13 plan, that shows the court how you plan on repaying part of your debts prior to discharge. There may also be tricky issues of valuation, cram down, and feasibility (to name a few). These are not issues that should be tackled without an attorney. Fortunately, Ch 13 plans allow for attorney fees to be paid after plan confirmation through the plan. Many attorneys will allow a partial fee (or sometimes no fee) up front with the anticipation of being paid their fee through the plan. I would recommend you finding an attorney that would agree to that type of representation rather than go at it alone. Otherwise, it is simply too risky for the debtor who may wind up being forced to either dismiss their case without discharge, or be forced into a Ch 7.
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