There are many good reasons to use an experienced attorney is you are considering filing for bankruptcy. One top reason is that creditors often try to take advantage of people who are filing on their own — which is known as filing “pro se.” Less than scrupulous creditors rightly assume that non-attorneys simply do not have the legal knowledge to handle the process properly. They, the creditors, are in the driver’s seat — they use skilled attorneys to plead their case.
There are actually several types of bankruptcies, each with their pluses and minuses. Individual consumers are primarily eligible to file for Chapter 7 or Chapter 13 bankruptcy, and occasionally for Chapter 11 bankruptcy. There is also another option called Chapter 12 bankruptcy, but it is rare in Los Angeles. It’s appropriate for farmers and fishermen.