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The courts always allowed, and are expected to continue allowing
debtors to represent themselves. Filing bankruptcy on your own however
is more difficult than most people anticipate. New laws are complex and
slanted in favor of creditors, and even the slightest mistake may result
in dismissal.
If a case is dismissed for any reason, refiling is time barred for at
least 6 months, with prejudice, and all time and effort spent will be
lost. The cost of filing bankruptcy with a lawyer is minimal compared to
the benefits available when correctly qualifying, filing, and defending
legal rights. The savings of a few hundred dollars is seldom worth the
risk in all but the most inconsequential cases.
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