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Two of the most popular low cost options for bankruptcy filing are
the do-it-yourself kits or software, and using one of many form
preparation services. Neither of these two alternatives may include
legal advice however, and they leave debtors alone to fend for
themselves under the law. Additionally, pro bono programs offer free
legal assistance, both in the preparation of forms and throughout the
entire process. Qualification for pro bono programs is generally
predicated upon qualification under state of federal poverty guidelines,
and normally requires a sworn pauper's affidavit.
Compare low cost bankruptcy filing alternatives
The best method for any bankruptcy filing must include competent
legal advice. Even lawyers who are not familiar with federal rules and
recent changes in the law should rely upon the advice of a qualified
bankruptcy attorney rather than risk tripping one of many new mandatory
dismissal requirements. Occasionally, bankruptcy attorneys may offer
barter as a low cost option, that is, trading office work in exchange
for legal representation. Remain constantly aware that court staff,
trustees and judges are specifically prohibited to offer legal advice to
any interested party. Bankruptcy filing instigates a federal law suit,
and the court must remain impartial at all times.
The best option for a low cost bankruptcy filing is actively
interviewing four or five lawyers, and requesting fee discounts.
Although the upper limit for fees is established for routine consumer
cases, discounts are permitted and are common.
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