money sectionmoney sectionWhen a lender declares you in default on your mortgage and accelerates the loan by filing for foreclosure, the complaint is filed in civil court. The lender is then required to serve you with a copy of the complaint and a summons letting you know you have been sued. Preparing an answer to the summons and complaint is a critical first step if you plan to defend the lawsuit and can be accomplished without an attorney; however, consultation with an attorney is generally a good idea.
Attorney representation in the bankruptcy process is unnecessary. A debtor can file his own paperwork, attend bankruptcy hearings without legal counsel and create a repayment plan. Although filing for bankruptcy can be difficult, there are numerous resources available, such as books and websites, to guide filers through the process.
The following steps were taken by an actual Chapter 7 bankruptcy filer who was successful in every step of the process.
Filing Chapter 7 bankruptcy without a lawyer may save you money and seem convenient. But, bankruptcy laws have became more complicated, and the courts will expect the same thing out of you that they would expect out of a lawyer--the bankruptcy process is still the same. You are still responsible for getting every form in, attending all courses and attending your hearing. Missing one of these would cause your bankruptcy petition to get dismissed.
