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Cost For Bankruptcy – File Cheap Chapter 7 Without a Lawyer, and Make Bankruptcy Affordable

A recent post on the internet propagated one increasingly common myth – a blatant falsehood, many will probably say – about filing for bankruptcy, namely, that debtors can no longer even file cheap chapter 7 bankruptcy without a lawyer, let alone any type of bankruptcy. As the writer of this piece put it in the caption of his write-up, article reproduced in titled, “Sorry You Can No Longer File Bankruptcy Without a Lawyer.”

In these bad economic times when consumers show growing sensitivity about cost for bankruptcy, this is a common notion, or at least a close variation of it, which one hears increasingly among mainstream bankruptcy law practitioners these days. Apparently, there is a growing feeling among the bankruptcy lawyers and the swelling army of unemployed Americans who inquire about the bankruptcy process, that only largely by having bankruptcy without a lawyer, could a debtor file cheap chapter 7 bankruptcy. Usually, the mainstream bankruptcy lawyers’ argument about the supposed inability of the debtor to file bankruptcy without lawyer, is made along the same line argued by the writer in the above stated article, namely, that since the new “reform” bankruptcy or BAPCPA law implemented in October 2005, “the climate has drastically changed” in respect to the law and the procedures for filing bankruptcy, and that they have gotten so “complex” now that it is almost too difficulty, if not impossible, for a debtor to file chapter 7 bankruptcy without lawyer. Or for him or her to file Chapter 13, or any bankruptcy of any kind.


This view could not be more false or erroneous, however. In fact, nothing – absolutely NOTHING – could be farther from the truth in the entire current administration of the bankruptcy system! Actually, what is really TRUE, is that objective experts and knowledgeable persons from all spectra in the bankruptcy industry, including lawyers, court trustees and judges, who specialize in bankruptcy, have it quite amply on the record that most personal bankruptcies are really simple. So much so, in fact, they say, that such work really don’t need the services of a lawyer to handle since they are generally very elementary and largely clerical in nature, and so generally easy and simple to undertake. Most of such experts say that at least, with respect to Chapter 7, if not Chapter 13, debtors can easily file Chapter 7 bankruptcy without lawyer.

They generally cite two basic reasons upon which they rest their basis for saying this: (1) that an overwhelming majority of personal bankruptcy cases are so-called “no asset” or “minimum asset” cases – meaning, cases in which the owing debtors literally have or own absolutely NOTHING that the creditors can claim or attach, let alone any money for paying the lawyer’s hefty fees, and so have no basis to hire lawyers since they lack any worthy property or asset for a lawyer to protect from the creditors if they filed for bankruptcy; and (2) the FACT that bankruptcy, they say (contrary to the layman’s common belief that bankruptcy is a complicated procedure), is really a relatively simple matter which often involves the mere completion of simple routine forms and submitting them to the local bankruptcy court.

Janice Kosel, Professor of law at Golden State University, San Francisco, and a recognized author and expert on personal bankruptcy issues, explains:

“Do you need a lawyer in order to file a Chapter 13 (bankruptcy) repayment plan? No. [Even] Filing a Chapter 13 plan is often easier than preparing your income tax return. If you can do that, you can probably handle your… [bankruptcy] yourself…There is no requirement (under the law) that you have to have a lawyer (in order to file for bankruptcy)…You can choose to represent yourself.”

Stephen Elias, California Attorney, prominent author and specialist in bankruptcy law, most recently summed it up this way:

“There is seldom a good reason to use an attorney in a consumer Chapter 7 bankruptcy case. The procedures are almost exclusively administrative – that is, there is no appearance before a judge…The forms are all (with very few exceptions) pre-printed in plain English….[But, in spite of that fact], What’s tragic is that people actually think they have to have attorney representation [to be able to do it].”


But, in all of this, there’s probably one piece of evidence which remains as the strongest proof, the clearest demonstration, and most incontrovertible, of the utter fallacy of the claim that bankruptcy is “complex” and beyond the capability of the average debtor to comprehend or to undertake. And that is this: THE CHEER STATISTICS!

Independent survey studies by this writer and others, as well as bankruptcy court statistics, show that in several parts of the United States, but more particularly in urban jurisdictions like New York, Arizona and Los Angeles, both before as well as AFTER the draconian 2005 “reform” law, a significant number of the debtors who file bankruptcy, particularly Chapter 7, still file Chapter 7 bankruptcy without lawyer. Such debtors are referred to as pro se filers, meaning, without the use of a lawyer! And, while their numbers may have been larger in the years before the BAPCPA law was implemented, that number remains significantly high even today and is now growing incrementally in the current condition of national economic recession.

For example, in the Central District of California, San Fernando Valley Division, the reported proportion of debtors who had filed for bankruptcy without use of attorneys just before the 2005 law went into effect, was well OVER 50%, but then as of June 2006 even AFTER the restrictive 2005 law had gone into effect, it was about 27%. (That figure should obviously have gotten much higher today than that by the end of 2008 and thereafter, a time when a severe economic down turn and high unemployment rate hit the nation!).

After the passage of the 2005 law, there was an immediate dramatic fall off in the number of bankruptcy filings. But today, debtors, being increasingly overburden by their debt because of the current economic recession, and increasingly concerned about cost for bankruptcy, are now beginning, once again, to go back to the earlier ways in bankruptcy filing, which means they’re doing doing the bankruptcy themselves without lawyers. And given the severe economic down turn and high unemployment rate that has since hit the nation by the end of 2008, and the fact that by the end of 2008, the official statistics for total bankruptcy filing had, once again, topped over 1,000,000 filers for the 2008 year, clearly the American debtors are beginning once again to troop to the bankruptcy courts for relief, with lawyers or without lawyers, notwithstanding the obstacles and discouragements earlier placed on their path by the new 2005 law!


“When I found myself with no other choice than bankruptcy, I did what most people do, I found a lawyer. Within a few weeks I became disenchanted with the lawyer’s service I was getting and realized that I could probably do this on my own”, wrote SANDRA D. WEISNER of Ohio, a recent bankruptcy filer.

“After much research, I finally found this book…guide explains all the details of filing a bankruptcy on your own…. when to use a lawyer and when to file on your own, to step by step form guidelines…. The book is written without the “legalese” that lawyers use to confound and keep us in the dark. Also, there are great resources for finding the forms needed online and getting the additional information I needed to file for bankruptcy. I’ve saved myself considerable time, aggravation and money. I would recommend this guide to anyone. You can do it yourself.” This statement by SANDRA D. WEISNER, a recent bankruptcy filer in Ohio, had been made by her after she used a competent self-legal manual to do her own bankruptcy (quite easily and successfully, she explained), and honestly wrote about it, for the record, on

What more is there to say, really? What more solid proof or objective evidence that is simply beyond debate, is there, really, that regular, average American debtors can, and DO, readily file successful bankruptcy, particularly file chapter 7 bankruptcy, without a lawyer? They’ve been doing so ALREADY for decades now. They’re ALREADY doing so right now, as we speak! And this writer (and many other objective students of the American bankruptcy system) KNOW that fact to be so all too well, first hand, from a preponderance of studies!


Wish to join the growing army of financially hard-pressed bankruptcy seekers across America today who are successfully filing cheap chapter 7 bankruptcy without a lawyer, often probably using the other assistance of cheap “non attorney” tools and aids in getting it done? Visit this site: http://WWW.Afford-Bankruptcy.Com/proSeBankruptcyTrend.html

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