Why YOU Need An Attorney When Filing For Chapter 13 Bankru

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I think that Chapter 13 is a more sophisticated process than Chapter 7. I don’t recommend anybody doing either a Chapter 7 or a Chapter 13 alone. In a Chapter 7, you need to put together your assets and liabilities, take a course online prior to filing and provide the Chapter 7 Trustee a variety of documents and proofs. A Chapter 13 includes all of the aforementioned and adds the means test using six months of income for the calculation. This has to be done in Chapter 7 too, but there is more fine-tuning involved because you have to determine what your disposable income is and then provide for the filing of a Chapter 13 plan.

There is also a lot of paperwork involved in a Chapter 13. Objections can and will be filed to your Chapter 13 plan. It becomes like a tennis match . . . plan filed, objection filed, amended plan filed ad nausea! I’m an old-fashioned attorney, been doing this for forty years, and believe in making a phone call rather than killing electronic trees. If there is a problem, it can be dealt with between the parties.

We have enough work to do as it is, and we don’t need more. But that’s why you are better off with an attorney, especially in Boston.

For More Information About Personal Bankruptcy, Please Visit:
en.wikipedia.org/wiki/Bankruptcy_in_the_United_States

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