Considering filing Chapter 13 on your own?
I occasionally get calls from debtors who have already filed a Chapter 13 petition, been to court, and decided that they want help from an attorney. (I also get calls from potential clients who ask me if they really need to hire an attorney to file their Chapter 13 case).
If you file a case without an attorney you are called a “Pro se” debtor which loosely translates from Latin as “for himself.”
Pro se sometimes works out alright. Here’s an article from the AJC describing how couples are able to divorce without attorneys using resources such the Family Law Information Center in DeKalb County or Fulton County.
But in the bankruptcy court, going it alone is never wise. I write this because the Bankruptcy Code is treacherous, and there is no Bankruptcy Information Center to save you.
What is at stake if you risk going it alone in Chapter 13? Your property, your income, and your discharge. Will your property be exempt or are you at risk of having to liquidate it? Will you be able to afford your plan payment? How will you deal with creditors objections? Who will protect your disposable income from your creditors? Do you have a debt that will sink your plan before it’s left the shore? Are you over the Chapter 13 debt limit? How do you get your Chapter 13 plan confirmed? What happens after confirmation?
The answers to these questions are not found on the Internet. Each case is unique, each debtor gets a custom fitted plan that is designed to fit around his or her debts.
I want you to succeed in getting your fresh start. You want to succeed too, I know!
In order to do so, you’ll need an attorney who’s taken clients through the process to their fresh starts.
Call me Attorney Shannon McDuffie at (404) 421 3706 to set up your consultation.