Our office continues to operate during our regular business hours, which are 8:30 am - 5:30 pm, Monday through Friday, but you can call the office 24 hours a day. We continue to follow all recommendations and requirements of the State of Emergency Stay at Home Order. Consultations are available via telephone or by video conference. The safety of our clients and employees is of the utmost importance and, therefore, in-person meetings are not available at this time except for emergencies or absolutely essential legal services.

Do I Need to Hire an Attorney to File for Bankruptcy?

Bankruptcy Lawyer Bryan W. Stone answers the question: “Do I need an attorney to file bankruptcy?”


It the vast majority of cases, people who are considering filing for bankruptcy are experiencing significant financial problems. After all, bankruptcy is intended to benefit people who have fallen behind on their debts and are unable to meet their financial obligations. As a result, most bankruptcy filers are trying to save money at every opportunity that presents itself, and many people wonder if they even need to retain an attorney in order to file.


law-offices-Charlotte-Monroe-Lake-Norman-Bankruptcy-Attorney-300x218While it is perfectly legal to file bankruptcy without the assistance of a lawyer, it is not recommended. In fact, the U.S. Courts themselves strongly urge people who are considering filing for bankruptcy to do so with the assistance of an attorney. There are many ways that an experienced lawyer can help you file for bankruptcy.


An Attorney Will Ensure that Your Filings are Accurate and Complete


When a person files for bankruptcy, he or she is required to provide a significant amount of information regarding assets and debts. Failing to provide the court with complete and accurate documentation of everything may result in significant delays, the denial of your petition, or even criminal penalties, in certain cases. When you retain an attorney familiar with helping people file for bankruptcy, you can rest assured that the documentation you provide the court is accurate and in compliance with all relevant laws and regulations.


An Attorney Will Advise You as to Your Legal Options


Bankruptcy is not a “one-size-fits-all” solution for people who are in financial trouble. There are many different types of bankruptcy, all of which have different filing and eligibility requirements, benefits, and drawbacks. For example Chapter 7 bankruptcy involves the liquidation of a debtor’s non-exempt assets, while a Chapter 13 bankruptcy allows debtors to keep their property and reorganize their debts in a way that makes their monthly payments more affordable. When you meet with an experienced lawyer, he or she will thoroughly analyze your situation and advise you as to what type of bankruptcy is right for you.


An Attorney Will Represent You in Bankruptcy Hearings


When a person files for bankruptcy, there is a mandatory meeting of the creditors, often referred to as a 341 hearing. When you retain an attorney, he or she will represent you in this hearing and in any other proceedings that may occur in your case. In some cases, your lawyer may request that you attend the hearings or may simply handle them without needing to involve you at all.


Contact a North Carolina Bankruptcy Lawyer Today


Individuals who are experiencing financial difficulty should always discuss their options with an experienced Charlotte bankruptcy lawyer. In many cases, an experienced attorney can have a significant impact on the outcome of a bankruptcy case and can help filers make sure that they are taking full advantage of the exemptions available to them. To schedule a free case evaluation with one of our attorneys, Contact us today for a consultation of your case. We want to guide you through the bankruptcy process so that you can begin toward a better financial future. If you are contemplating bankruptcy in the Mecklenburg County, Iredell County or Union County area, please call the skilled lawyers at Arnold & Smith, PLLC at 704-370-2828 or find additional resources here.






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