If you haven’t hired a bankruptcy attorney, this might be the time to do it. Legal representation is not a requirement for individuals filing bankruptcy, but you are taking a serious risk if you represent yourself. Understanding federal and state bankruptcy laws, and knowing which ones apply to your case is essential. Judges are not permitted to offer advice, and neither are court employees. There also exist many forms to complete and significant differences between Chapter 7 and Chapter 13 that you should be aware of when making the decision to file bankruptcy. If you do not know and understand the appropriate procedures and regulations in court, it could affect the outcome of your bankruptcy case.

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