how hard

[lostand]

We filled Bk two years ago,and used a lawyer due to the fact we wanted to keep our house.My brother is gonna have to file he has no choice he is in debt big time,he lives on my couch he has no car,it is all CC debt,he can not affored the lawyer how hard is it to do it on your own? Do you know any good web sites? He is getting tired of the harassment,I thought I was done with it when we went threw it,but now they are calling me at my work (again)

[nc73]

??? a bit confusing..

[lostand]

Sorry,I was just wondering how hard is it to file on your own with out a lawyer,any advice would be great

[plisar]

Visit the Pro Se section of this site. It is an extremely helpful and realistic look at how one can file for bankruptcy representing themselves. It is what ultimately convinced me to save up for a lawyer.

Pro se filings need to have all their stuff together and be 200% on top of all correspondence. You need to be anal about paperwork, and proofreading, and you will likely need to buy books and software. Be well prepared before you ever consider this undertaking.

[kartoons19]

Lostand,

You can check your local Legal Aid office and see if they handle bankruptcies. From what I understand they offer low costs and no costs legal services. I don't know how well they operate and it may take longer for them to respond, but it could be an option. Also if you live near a university that has a law program, many times they have a legal clinic that offers low costs legal services. Some may handle bankruptcies. I don't have personal experience with any of these options, but it may be a way for your brother to file bk.

[nc73]

Pro se is possible if it's not a complicated chapter 7. If it's more complicated i would beg, borrow...etc to pay an attorney.