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Bankruptcy costs – Documents are cheap Chapter 7 has no lawyer and makes bankruptcy affordable

A recent article on the Internet has spread an increasingly common lie – a blatant lie that many people might say – about filing for bankruptcy, because debtors can't even submit cheap without a lawyer Chapter 7 Bankruptcy, not to mention any type of bankruptcy. As the author of this article wrote it in the title of his article, the article on was reprinted with the title "I'm sorry lawyer you can no longer file bankruptcy."

This is a common phenomenon, or at least an appreciable one, in the economic downturn when consumers are increasingly sensitive to bankruptcy costs, which is increasingly evident in mainstream bankruptcy law practitioners. Obviously, the bargaining army of bankruptcy attorneys and unemployed Americans increasingly feels that they inquire about bankruptcy proceedings and can only go bankrupt if there is no lawyer, and whether the debtor can apply for bankruptcy. In general, the mainstream bankruptcy lawyer's claim that the alleged debtor can apply for bankruptcy without a lawyer is based on the same line in the article that the author discussed in the article. Previously, the new "implementation" was implemented in October 2005. After reforming "bankruptcy or the BAPCPA law," the climate has completely changed "in the law and the application for bankruptcy, and it has become so complicated" because, if not impossible, the debtor can submit the 7th without a lawyer. Chapter Bankruptcy. Or submit chapter 13 or any bankruptcy for him or her.

But is the new law really complicated?

However, this view cannot be more false or wrong. In fact, in the current system of bankruptcy management, nothing – nothing at all – may be further from the truth! In fact, the real truth is that objective experts and knowledgeable people in all fields of the bankruptcy industry, Including lawyers who are good at bankruptcy, court trustees and judges, they fully document that most individuals are bankrupt. In fact, They said that, in fact, such work does not actually require the services of lawyers, because they are generally very basic, and they are largely paperwork in nature, so they are generally simple and easy. Such experts say that, at least, as far as Chapter 7 is concerned, if it is not Chapter 13, the debtor can easily file a Chapter 7 bankruptcy without a lawyer.

They usually propose two basic reasons why they are here. Based on the following: (1) The vast majority of personal bankruptcy cases are so-called "no assets" or "minimum assets" cases. That is, legal creditors have legal rights or absolutely no creditors can claim or attach any Rights, not to mention any money to pay for lawyers' high fees, so there is no basis for hiring lawyers because they lack any valuable property or assets. If they file for bankruptcy, the lawyers can be protected from the creditors’ damages; (2) They think bankruptcy. The truth (as opposed to the fact that laymen generally consider bankruptcy to be a complicated procedure) is actually a relatively simple matter. Often involves only a simple routine completion and submits them to the local bankruptcy court

Janice Kosel, Professor of Law at Golden State University in San Francisco, author and expert on personal bankruptcy, explains :

"Do you need a lawyer to submit a Chapter 13 (bankruptcy) repayment plan? No. [Even] Submitting a Chapter 13 plan is usually easier than preparing an income tax return… [bankruptcy] Yourself… There is no requirement (by law) that you have (19659002) Stephen Elias, California lawyers, famous writers and bankruptcy law experts have recently summarized this. In this case:
"In the seventh bankruptcy case, there are very few reasons to use a lawyer – to print in plain English … [But, in spite of that fact]what tragedies people really think about are what they have to represent Lawyer [to be able to do it].

but a large number of debtors own Alva even in the 2005 limited law

YS also submitted a document to PRO SE

However, In all of these respects, there may be evidence that is still the strongest evidence, the clearest proof, and most of the indisputable point is that bankruptcy is “complicated” and exceeds the ability of ordinary debtors to understand or assume. The complete fallacy. That's it: CHEER statistics!

The authors and others’ independent investigations and bankruptcy court statistics show that in some areas of the United States, but more specifically, in urban areas such as New York, Arizona and Los Angeles, before or after, severely In the “reform” law of 2005, a large number of creditors went bankrupt, especially in Chapter 7, where there was still no bankruptcy of Chapter 7 without a lawyer. This type of debtor is called a pro-legal filer, which means that it does not require the help of a lawyer! Moreover, although this figure may be greater in the years prior to the implementation of the BAPCPA Act, even today, this figure is still significant and is gradually increasing in the current economic recession.

For example, in the San Fernando Valley area of ​​central California, the proportion of debtors who filed for bankruptcy before the 2005 law enforcement but did not use a lawyer has exceeded 50%, but thereafter the restrictive law took effect in June 2006 or even 2005. After that, this proportion is about 27%. (This figure is obviously much higher today than at the end of 2008 and afterwards when a certain economic recession and high unemployment rate hit the United States!).

After the law was passed in 2005, the number of bankruptcy applications dropped dramatically. But today, due to the current economic recession, debtors are increasingly worried about the debt burden, and are increasingly worried about the cost of bankruptcy, and are now beginning to return to the early methods of bankruptcy applications, which means that they "don't let lawyers go bankrupt themselves. Considering the economic recession and the high unemployment rate since the end of 2008 and before the end of 2008, the official statistics of all bank filings once again exceeded 1,000,000 applicants in 2008. Obviously the U.S. debtors once again began to apply to a lawyer or bankruptcy court without a lawyer. Relief, even though the new law in 2005 has already put their obstacles and setbacks on their path!

Listening to this first-hand expert '

"When I find myself There was no choice but bankruptcy. I did most of the work and I found a lawyer. "A few weeks later, I was disappointed with the lawyer's service and realized that I could do it myself." Ohio The State's SANDRA D. WEISNER wrote about a recent bankruptcy management company.

" After many studies, I finally found this book… The guide explains all the details of your own application for bankruptcy…. When to use a lawyer, when to declare oneself, and gradually form a guideline… This book does not use lawyers to confuse our dark “legal jargon.” In addition, there are plenty of resources available to find online forms and obtain additional information that I need to apply for bankruptcy, saving me considerable time and aggravating And money. I would recommend this guide to anyone. You can do it yourself. "This statement from SANDRA D. WEISNER, the most recent bankruptcy applicant in Ohio, made her bankruptcy with a qualified self-law handbook ( She was easy, very successful, she explained) was made by her, and she wrote it honestly, and recorded it on the Amazon website.

What else can I say? The real evidence or objective evidence is not just debt. There are really ordinary American ordinary debtors who can do and do. Reading a document without a lawyer is successful and bankruptcy, especially in Chapter 7 of the document. They have been doing this for decades. Now that they have done so, we have spoken! This writer (and many other target students of the U.S. bankruptcy system) knows that the fact is so, first-hand, from superiority studies!

Need follow-up information?

Willingness to join the ever-growing U.S. economically troubled bankrupt The U.S. troops across the U.S. successfully submit a cheap Chapter 7 bankruptcy without a lawyer, often using cheap "non-lawyer" tools. Other help and help to complete this work? Visit this site: http://WWW.Afford-Bankruptcy.Com/proSeBankruptcyTrend.html

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