File Unemployment Claim - Cost For Bankruptcy - File Cheap episode 7 Without a Lawyer, and Make Bankruptcy Affordable
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A recent post on the internet propagated one increasingly coarse myth - a blatant falsehood, many will probably say - about filing for bankruptcy, namely, that debtors can no longer even file cheap lesson 7 bankruptcy without a lawyer, let alone any type of bankruptcy. As the writer of this piece put it in the caption of his write-up, record reproduced in Verizon.com titled, "Sorry You Can No Longer File Bankruptcy Without a Lawyer."
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In these bad economic times when consumers show growing sensitivity about cost for bankruptcy, this is a coarse notion, or at least a close difference of it, which one hears increasingly among mainstream bankruptcy law practitioners these days. Apparently, there is a growing feeling among the bankruptcy lawyers and the swelling army of unemployed Americans who request about the bankruptcy process, that only largely by having bankruptcy without a lawyer, could a debtor file cheap lesson 7 bankruptcy. Usually, the mainstream bankruptcy lawyers' consulation about the supposed inability of the debtor to file bankruptcy without lawyer, is made along the same line argued by the writer in the above stated article, namely, that since the new "reform" bankruptcy or Bapcpa law implemented in October 2005, "the atmosphere has drastically changed" in respect to the law and the procedures for filing bankruptcy, and that they have gotten so "complex" now that it is practically too difficulty, if not impossible, for a debtor to file lesson 7 bankruptcy without lawyer. Or for him or her to file lesson 13, or any bankruptcy of any kind.
But Is The New Law absolutely That Complex?
This view could not be more false or erroneous, however. In fact, nothing - absolutely Nothing - could be farther from the truth in the entire current administration of the bankruptcy system! Actually, what is absolutely True, is that objective experts and knowledgeable persons from all spectra in the bankruptcy industry, together with lawyers, court trustees and judges, who specialize in bankruptcy, have it quite amply on the record that most personal bankruptcies are absolutely simple. So much so, in fact, they say, that such work absolutely don't need the services of a lawyer to handle since they are commonly very elementary and largely clerical in nature, and so commonly easy and uncomplicated to undertake. Most of such experts say that at least, with respect to lesson 7, if not lesson 13, debtors can absolutely file lesson 7 bankruptcy without lawyer.
They commonly cite two basic reasons upon which they rest their basis for saying this: (1) that an phenomenal majority of personal bankruptcy cases are so-called "no asset" or "minimum asset" cases - meaning, cases in which the owing debtors absolutely have or own absolutely Nothing that the creditors can claim or attach, let alone any money for paying the lawyer's hefty fees, and so have no basis to hire lawyers since they lack any worthy property or asset for a lawyer to protect from the creditors if they filed for bankruptcy; and (2) the Fact that bankruptcy, they say (contrary to the layman's coarse reliance that bankruptcy is a involved procedure), is absolutely a relatively uncomplicated matter which often involves the mere completion of uncomplicated habit forms and submitting them to the local bankruptcy court.
Janice Kosel, Professor of law at Golden State University, San Francisco, and a recognized author and specialist on personal bankruptcy issues, explains:
"Do you need a lawyer in order to file a lesson 13 (bankruptcy) refund plan? No. [Even] Filing a lesson 13 plan is often easier than preparation your wage tax return. If you can do that, you can probably handle your... [bankruptcy] yourself...There is no requirement (under the law) that you have to have a lawyer (in order to file for bankruptcy)...You can choose to represent yourself."
Stephen Elias, California Attorney, leading author and specialist in bankruptcy law, most recently summed it up this way:
"There is seldom a good think to use an attorney in a buyer lesson 7 bankruptcy case. The procedures are practically exclusively administrative - that is, there is no appearance before a judge...The forms are all (with very few exceptions) pre-printed in plain English....[But, in spite of that fact], What's tragic is that population absolutely think they have to have attorney representation [to be able to do it]."
But Large Numbers Of Debtors Have all the time Been Filing Pro Se, Already, Even With The Restrictive 2005 Law
But, in all of this, there's probably one piece of evidence which remains as the strongest proof, the clearest demonstration, and most incontrovertible, of the utter fallacy of the claim that bankruptcy is "complex" and beyond the potential of the average debtor to realize or to undertake. And that is this: The Cheer Statistics!
Independent examine studies by this writer and others, as well as bankruptcy court statistics, show that in several parts of the United States, but more particularly in urban jurisdictions like New York, Arizona and Los Angeles, both before as well as After the draconian 2005 "reform" law, a vital amount of the debtors who file bankruptcy, particularly lesson 7, still file lesson 7 bankruptcy without lawyer. Such debtors are referred to as pro se filers, meaning, without the use of a lawyer! And, while their numbers may have been larger in the years before the Bapcpa law was implemented, that amount remains significantly high even today and is now growing incrementally in the current condition of national economic recession.
For example, in the Central District of California, San Fernando Valley Division, the reported proportion of debtors who had filed for bankruptcy without use of attorneys just before the 2005 law went into effect, was well Over 50%, but then as of June 2006 even After the restrictive 2005 law had gone into effect, it was about 27%. (That shape should obviously have gotten much higher today than that by the end of 2008 and thereafter, a time when a severe economic down turn and high unemployment rate hit the nation!).
After the tube of the 2005 law, there was an immediate dramatic fall off in the amount of bankruptcy filings. But today, debtors, being increasingly overburden by their debt because of the current economic recession, and increasingly concerned about cost for bankruptcy, are now beginning, once again, to go back to the earlier ways in bankruptcy filing, which means they're doing doing the bankruptcy themselves without lawyers. And given the severe economic down turn and high unemployment rate that has since hit the nation by the end of 2008, and the fact that by the end of 2008, the legal statistics for total bankruptcy filing had, once again, topped over 1,000,000 filers for the 2008 year, clearly the American debtors are beginning once again to troop to the bankruptcy courts for relief, with lawyers or without lawyers, notwithstanding the obstacles and discouragements earlier placed on their path by the new 2005 law!
Listen To This First-Hand 'expert':
"When I found myself with no other option than bankruptcy, I did what most population do, I found a lawyer. Within a few weeks I became disenchanted with the lawyer's assistance I was getting and realized that I could probably do this on my own", wrote Sandra D. Weisner of Ohio, a recent bankruptcy filer.
"After much research, I finally found this book...guide explains all the details of filing a bankruptcy on your own.... When to use a lawyer and when to file on your own, to step by step form guidelines.... The book is written without the "legalese" that lawyers use to confound and keep us in the dark. Also, there are great resources for seeing the forms needed online and getting the additional facts I needed to file for bankruptcy. I've saved myself vital time, aggravation and money. I would suggest this guide to anyone. You can do it yourself." This statement by Sandra D. Weisner, a recent bankruptcy filer in Ohio, had been made by her after she used a competent self-legal hand-operated to do her own bankruptcy (quite absolutely and successfully, she explained), and absolutely wrote about it, for the record, on Amazon.com.
What more is there to say, really? What more solid proof or objective evidence that is naturally beyond debate, is there, really, that regular, average American debtors can, and Do, facilely file successful bankruptcy, particularly file lesson 7 bankruptcy, without a lawyer? They've been doing so Already for decades now. They're Already doing so right now, as we speak! And this writer (and many other objective students of the American bankruptcy system) Know that fact to be so all too well, first hand, from a preponderance of studies!
Need Follow-Up Information?
Wish to join the growing army of financially hard-pressed bankruptcy seekers over America today who are successfully filing cheap lesson 7 bankruptcy without a lawyer, often probably using the other assistance of cheap "non attorney" tools and aids in getting it done? Visit this site: http://Www.Afford-Bankruptcy.Com/proSeBankruptcyTrend.html
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