If you are looking into filing bankruptcy than you have probably already weighed your options and have made a difficult choice. Now the question you have is how to file.
Most people are amazed when they hear how much a bankruptcy filing fee can be from most lawyers . If you have made the decision to file bankruptcy, chances are that you are claiming bankruptcy because you have no money or can't meet your bills. If you could afford hefty legal fees, you probably wouldn't need to file a bankruptcy claim form.
So what do you do if you can't afford the legal fees asked for by the lawyers you have contacted? Some people choose to do their bankruptcy for themselves by filing "Pro Se". This option can work well when you have few assets and don't mind researching the bankruptcy laws (including the new bankruptcy law) on your own.
You'll quickly find out that while it is possible to find form filling services or bankruptcy filing software online, you can't actually file with the court online.
Statistically the average bankruptcy case will require a person to fill out over 30 pieces of paperwork - all written in legal terminology which is to most people like reading an alien language.
Mistakes in the paperwork could cause you to have debts challenged, your case delayed or completely dismissed or to possibly lose assets like your house, simply because a form wasn't completed correctly. So it is extremely important that you read over the paperwork carefully, answer the questions to the best of your ability and if you hit a problem, research it and/or obtain advice from a bankruptcy lawyer.
It is also important to remember that while filing Pro Se can often be cheaper, there are other costs involved in claiming bankruptcy that you should be aware of before you decide to file. It may be best to consult with a bankruptcy lawyer before deciding how to handle your case.