How to File Bankruptcy Without an Attorney

Though it should not be seen as an easy out, bankruptcy can assist you in recovering from debt and other financial pitfalls. Should you decide to file for bankruptcy without an attorney, you must get your information in order and be prepared to put in the time and energy that the process will take.

Instructions

1. Understand the different types of bankruptcy before you file. Chapter 7 allows you to keep what is already paid off, and Chapter 13 leaves the consumer with a portion of the remaining debt that must be paid off.

2. Get a bankruptcy kit that includes the necessary legal forms. You should also research the procedures to ensure your success in filing the forms yourself.

3. Contact your creditors. You will need to get information from them regarding their address, the addresses of any collection firms or attorneys they use, when the debt was incurred and the total amount of your debt.

4. Compile your personal information. You will need yours and your spouses information, and any information regarding bankruptcies filed within the past six years. Your income and payment history will also need to be compiled. In addition to this information, you will need to give information regarding gifts, garnishments, foreclosures and losses due to fire or theft.

5. Put together a budget. Especially if you wish to file Chapter 13, you will have to present your creditors with a reasonable budget in order to stay out of future debt.

6. Set a court date, and check that you have all of the information gathered before the court date arrives.