If you are one of the millions of Americans who has recently decided to proceed with filing for bankruptcy, then you are probably in a position already that is absolutely desperate when it comes to your finances. As such, there is always that temptation to go it alone and to not hire a bankruptcy lawyer. It is a common thought amongst those who decide to declare.
But really, you DO need a bankruptcy lawyer. Firstly, you need someone with experience and expertise in the field to go over the specifics of your case and confirm that chapter 7 or chapter 13 bankruptcy is the best way forward for you. There is little point in proceeding if it actually turns out not to be.
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And if your bankruptcy lawyer advises that it is indeed the best thing for you to do, then you are doing to require their services more than ever! Simply, the changes to the bankruptcy code that were made by Congress back in 2005 have made the bankruptcy laws in the USA notoriously complicated even for legal professionals to understand. As such, the days of being able to go it alone and undertake a do it yourself bankruptcy are well and truly gone. In fact, so chaotic were these reforms of 2005, that many industry professionals refer to them as 'barf,' and acronym for 'bankruptcy abuse reform fiasco'.
For this reason, if you have a friend or a relative who tells you that they went solo and managed to file bankruptcy successfully without incurring any lawyer's fees whatsoever, there is a good possibility that they did this before 2005. Almost invariably nowadays, the only way to achieve success in filing for bankruptcy, either chapter 7 or chapter 13, is to have the services of an experienced bankruptcy lawyer to hand.
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