Think Twice Before Filing for Bankruptcy without an Attorney

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According to a 2011 study by the United States Bankruptcy Court for the Central District of California, 1 out of 9 people file for bankruptcy pro se, or without an attorney. The reasons people give for filing pro se range anywhere from believing they cannot afford an attorney to being misled about the necessity of needing a bankruptcy lawyer. However, statistically speaking, the success rate of getting debts discharged without an attorney is low compared to the success rate with an attorney.

Of those debtors who filed Chapter 7 bankruptcies on their own, 61% succeeded in obtaining a discharge. In comparison, 95% of the people who used an attorney to file a Chapter 7 obtained a discharge. The statistics are staggering for individuals filing Chapter 13 without an attorney: only 1% succeeded compared to the 55% who used a bankruptcy lawyer. Aside from a low success rate, debtors who file on their own and lose in court risk negative consequences. In some instances, the denial of discharge may be permanent and can prevent the filing of a future bankruptcy case to eliminate debt. In other cases, the debtor may not receive the protection of an automatic stay during the case.

Hiring an Attorney is truly in your best interest. If you find yourself facing insurmountable debt, you could cause more damage to your case by not hiring a professional bankruptcy attorney. An experienced bankruptcy lawyer can offer many benefits:

  • Advise you on whether filing bankruptcy is in your best interest
  • Provide alternative solutions to filing bankruptcy
  • Follow proper protocol when filing proper forms
  • Claim appropriate property exemptions to protect your assets
  • Guide you to fulfill the proper requirements
  • Stop the harassment from creditors
  • Represent you at the Trustees meeting
  • Smooth out the process and save you time, stress, and hassle
  • Proceed efficiently and expediently

At Khan Law, we are an experienced team of bankruptcy professionals who represent your best interest with sincerity, genuine understanding, compassion and privacy. We know it is difficult to come to terms with the thought of filing bankruptcy, but we will advise and counsel you on the best direction for your individual case. Whether you are facing bills from a job loss, family emergency, health issue, divorce, housing disaster, or other personal crisis, we are here to help you see the light and get out from the stress of overwhelming debt.

We have helped many people who tried to file for bankruptcy on their own because they thought hiring an attorney was too expensive. After living through the chaos, stress, confusion, and red tape of the court system, they ended up having to pay more than they initially would have had they hired an attorney in the first place.

Avoid that pitfall. Contact our office for a complimentary and confidential consultation.  Alia Khan specializes in serving the entire Bay Area and San Joaquin County. If you are thinking of filing for bankruptcy without an attorney, THINK AGAIN, you have nothing to lose and everything to gain.

*For further resources and information on filing for bankruptcy, visit our website. And check out Alia Khan talking about the importance of hiring an attorney to file for bankruptcy and what to expect one you hire her.