If you’re thinking about filing for bankruptcy, you’re probably at the end of your financial rope. You have been overwhelmed by a mountain of credit card debt, medical bills, mortgage payments, or all the above. You probably can’t imagine yourself taking on any more financial responsibilities or having to pay any additional fees at all.

Those who consider bankruptcy are already struggling with money problems, after all. Do you really need a lawyer to declare bankruptcy?

There was a time when filing for bankruptcy without a lawyer was more feasible, and you may know some people who tell you that they were able to do so successfully. It was always a good idea to have a lawyer by your side, but it was at least possible in theory to go through the process yourself.

Things changed when Congress passed a bankruptcy reform law in the year 2005. The exact name of the law is long and complex, but what you really need to know is that the whole process has become more involved as a result.

Bankruptcy is definitely still available, but you have to have good legal advice to get through all of the additional obstacles that have been placed in your way. Without this legal advice, you may be biting off more than you can chew.

Some have complained about the law, but for the time being this is what we’re stuck with. You should do your best to play by the rules and ask a lawyer for assistance.

The bankruptcy lawyer can help you decide how the law applies to your particular situation, since there are so many details and restrictions. This is simply too complex for a layperson to handle in most cases.

Even if you’re worried about the expense, it is best to have a bankruptcy lawyer to guide you through the process. After all, if you successfully file the bankruptcy, you’ll have a fresh beginning. You should find it much easier to pay for lawyer bills once your other bills have been taken care of with bankruptcy.

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