Why is it so important to secure an attorney when it comes to buy for Chapter 13 bankruptcy?
The important duties of an attorney in Chapter 13 bankruptcy are to deal with the creditors, and deal with the trustee. Really, the only thing the client should have to do in a Chapter 13 is make that bankruptcy plan payment and/or the mortgage payment. The legal stuff should be left up to the attorney. If somebody doesn’t have an attorney, then they become their own attorney. At that point, the court and the law presume that they have made conscious choices because they know and understand the law, and also that they know what they are doing. But in many cases, they don’t and the resulting errors can be costly. it is not only the law as it is written on paper, but how it is executed that are important. An experienced attorney can avoid pitfalls that he has seen, and prevent them from becoming larger problems. Remember the old saying; “he who serves as his own attorney has a fool for a client.”