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When financial resources are low and you cannot pay your monthly dues anymore, filing
for bankruptcy may be the best answer to your problems. However, when thinking of finally
filing bankruptcy, you should first determine if you need to hire your own bankruptcy lawyer.
When your bankruptcy case is not really complicated, then it’s okay for a petition preparer
to arrange and file your bankruptcy instead of hiring a licensed bankruptcy attorney to do it.
Some basis to help you determine if your case is not complex are being unemployed, if you
do not possess any assets and if there are no new things purchased on credit.
Majority of the population have complex cases because almost all of us own assets in one way or
another and most people who are filing bankruptcy are also employed. There are also instances when you
have shopped and purchased recently on credit, without having the intention of filing a status
of bankruptcy unexpectedly. So if you are not sure if your case is easy or complex, hiring a
licensed bankruptcy attorney as your counselor will be a good decision.
A licensed bankruptcy lawyer can advise you if filing for bankruptcy will relieve you of your
unpaid debts or if it will only worsen your situation. Determining if you are going to file for
Chapter 7 or Chapter 13 bankruptcy will also be easier since you have your own bankruptcy
attorney. With your own licensed bankruptcy lawyer, your case will be reviewed carefully and
he or she will also review your case carefully so you do not unintentionally commit bankruptcy
fraud. Since good bankruptcy attorneys are already acquainted and very familiar with the court
documents and all procedures regarding deadlines especially with their years of experience and
practice, the process of filing bankruptcy will be uncomplicated for you.