If you're looking at bankruptcy as the only way out of your debt problem, you may be asking yourself whether you can afford a lawyer. You should start asking yourself whether you can afford not to hire a lawyer if you choose to file bankruptcy. Yes, the bankruptcy attorney fee is a concern when you're already having financial problems and you don't need any further debt obligations.
However, bankruptcy is a serious step that will have a long-term impact on your family's financial future and should not be taken lightly by any means. Therefore, you don't want to try and go through this process by yourself if you lack the expertise (which most people do). Remember the saying that a lawyer who defends himself has a fool for a client.
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Well, I know you don't want to be called a fool, but you have to seriously think about whether you are qualified to go through this process by yourself. It's worth pointing out that the law has changed significantly in the past few years, and this requires the assistance of a dedicated bankruptcy attorney who will guide you through all the process and teach you how everything applies to your situation.
Yes, you're probably worried about how to pay for the legal fees, but if your case is successful you'll be able to do this much more easily. Chapter 13 will restructure your debt, while Chapter 7 can wipe it out completely. In either case, your bankruptcy legal fees will seem much less scary in the end.
So now you know that bankruptcy is possible even if you're tight on cash, and remember that the court will temporarily block all creditors from trying to contact you while your case is being settled.
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