It is very important that a bankruptcy case be filed and handled correctly. The rules are very technical, and a misstep may affect a debtor's rights. For example, a debtor whose case is dismissed for failure to file a required document, such as a credit counseling certificate, may lose the right to file another case or lose protections in a later case, including the benefit of the automatic stay. Bankruptcy has long-term financial and legal consequences - hiring a competent attorney is strongly recommended. Should you choose to proceed without an attorney, it is recommended that you:
- Review the Bankruptcy Basics web page
- Review the flowcharts showing the Process for Debtors without an Attorney for the appropriate Chapter to understand the requirements and timing of actions
- Visit one of the Bankrutptcy Advice Clinics to talk over questions you may have