Consumers have the option of filing for
bankruptcy on their own, also known as "pro se," in which you represent
yourself. You are not required by law to file bankruptcy with an attorney,
but many do not understand the risk they take upon themselves when considering
the process without guidance of an experienced attorney. For instance,
many are unaware of how complex the filing process is, or have little
understanding in how to navigate through the court system.
There are a variety of reasons why consumers should consult with a bankruptcy
attorney. Many feel they are saving money by completing the process on
their own. But, if the paperwork is not completed correctly or in an orderly
manner, you run the risk of having your case get dismissed before it obtains
a full review by the court.
If all schedules are not completed in full or are missing, your case can
get dismissed. All information about your finances, income, debt, and
assets should be included. If documentation is not completed properly
or you try to conceal details, your assets may not have full protection
from creditors. They may seize items of value to satisfy outstanding claims
What about third party companies that claim they can fill out documentation
for you? They just collect a fee from you to fill out the paperwork for
you. This can also be risky since they cannot provide legal advice, represent
you in bankruptcy court, or even explain paperwork information in thorough
detail for you to understand.
In short, it is best to seek counsel with an experienced bankruptcy attorney
in Dallas-Fort Worth who specializes in this area of law. You may end
up losing money, assets, ability to discharge debts, or get your case
dismissed if the filing isn't completed correctly.