Before You File
Bankruptcy law can be very complex, particularly Chapter 13 cases. Historically, most individuals who filed a chapter 13 bankruptcy case without an attorney, did not have their debts cleared and did not get their discharge. Misunderstandings of the law or making mistakes in the process can affect your rights. Seeking the advice of a qualified lawyer is strongly recommended because bankruptcy has long-term financial and legal consequences (even if your case is unsuccessful). The court cannot recommend attorneys.
Court employees and bankruptcy judges are prohibited by law from offering legal advice.
Things to know and consider before you file:
- Consider retaining an attorney or participating in the Middle District Bankruptcy Bar Association's Self-Help Program (note: this is a service offered by volunteer attorneys and is not responsible by, or affiliated with the court).
- Bankruptcy Resources from the Administrative Office of the U.S. Courts
- Credit Counseling - Required Before Filing
- Videos on the Bankruptcy Process - A series of nine educational YouTube videos on the bankruptcy process produced by the Administrative Office of the US Courts.
- Glossary of Common Bankruptcy Terms from the Administrative Office of the U.S. Courts
- Common reasons Why your case might get dismissed