If you are filing for bankruptcy, then the simple fact of the matter is that you are doin so because your finances are so poor that you have no choice. After all, it isn't like you are filing for bankruptcy for fun and games! It is natural then that you would want to avoid further debts or bills of any sort.
It is often for that reason that so many people filing for bankruptcy ask about the possibility of going it alone, without the services of an attorney. Often these people have been advised by friends and family that it is possible, they sometimes know someone who has done it themselves successfully.
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However, really, since 2005, skimping on your legal help just to avoid the bill is the equivalent of setting yourself up for a complete disaster.
Under pressure from lobbying credit companies, Congress passed some huge overhauls to the Bankruptcy Code in 2005. This was designed to ensure that bankruptcy could not be abused by those who were unwilling to repay debts rather than unable. While most people who were eligible for bankruptcy before 2005 remain so, there are a number of new added complications. One of these is the means test, which is designed to establish whether or not you really do need to declare bankruptcy.
Even in the eyes of the professionals, this new set of laws is complicated and the specialist bankruptcy attorneys spend a lot of time ensuring they are up to date with this ever evolving code. So you can imagine it would be close to impossible for an individual without substantial legal background and experience of bankruptcy law to even know where to begin. Do not try and save money where the legal fees are concerned. If you want to be successful, you just have to bite the bullet.
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