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Can I File for Bankruptcy on My Own in Michigan?

Yes – you can file for Chapter 7 or Chapter 13 bankruptcy without an attorney in Michigan. However, given the complexities of the bankruptcy process, it is best to work with an experienced bankruptcy attorney.

If you are considering bankruptcy, you probably feel the stress and uncertainties of financial instability. Let an attorney from Marrs & Terry, PLLC, alleviate some of the burden and help you through the bankruptcy process.    

Why Would I File for Bankruptcy by Myself?

By filing for bankruptcy yourself, you can save money on attorney fees. When you’re considering bankruptcy, it may seem like any opportunity to avoid additional costs would be worth taking. However, given the long-term financial and legal consequences of filing for bankruptcy, an attorney’s advice can be extremely valuable. 

Instead of spending your own precious time researching bankruptcy laws, attempting to interpret them, gathering all of the necessary financial documentation, and appearing alone in court, you can trust an experienced bankruptcy attorney to easily navigate the process, answer all of your questions, and work to discharge your debts to give you the fresh start you need.

How Does a Lawyer Help You File for Bankruptcy?

You may wonder why you need a lawyer if you can file for bankruptcy yourself. Your attorney is a valuable resource and will assist in all aspects of your case in each phase, as follows:

  • Before You File – Your attorney will help you decide whether you should file for bankruptcy in the first place. They will explain the process and the legal and tax ramifications of bankruptcy. They will thoroughly examine your financial situation and debts, among other details, to determine whether filing for bankruptcy is your best option. They will also advise what type of bankruptcy you should file and whether you can discharge your debt. 
  • When You File – Your attorney will assist with filling out and submitting all the necessary forms. There are numerous forms you must complete, and the process can be cumbersome and confusing. A skilled bankruptcy attorney will streamline the process for you and make it easy to complete the forms for filing. From preparing your case, completing the forms, attending the meeting of creditors, and handling all the hearings and any appeals, your attorney will handle your case from start to finish.   
  • After You File – In Michigan, you cannot file a Chapter 7 bankruptcy for eight years or a Chapter 13 for four years after your initial filing. While hopefully, another filing will not be necessary, your attorney may check in with you to assist in any way they can to support your financial well-being and debt-free future or to answer questions. 

Call a Bankruptcy Attorney at Marrs & Terry, PLLC 

At Marrs & Terry, PLLC, we want to help you move forward toward a positive financial future. We are happy to answer your questions and guide you through the bankruptcy process. Our attorneys look forward to speaking with you during a free initial case evaluation. Contact us today to get started.