FAQ: Why Should You Hire A Lawyer?

Charlotte NC Bankruptcy Attorney
Susanne Robicsek
Concentrating in Consumer
Bankruptcy since 1989
(704) 377-776

NC Bankruptcy Lawyer in Charlotte North Carolina for Chapter 7 / Chapter 13

Why should I hire a lawyer?

Only lawyers are allowed to give you legal advise and lawyers are bound by ethical rules to act in your best interest. A lawyer can tell you options that best meet your goals and protect your interests, and we don't put your creditors' needs ahead of yours.


You don't want just any lawyer. You want a lawyer who knows what they are doing and who has lots of experience in bankruptcy law. You want a lawyer who is going to take the time to meet with you and to explain how the law works. And you need a lawyer who is licensed in your state and regularly practices law in your local area. While bankruptcy law is federal law, each area has local quirks and you want your lawyer to know what they are.

You are not required to have a lawyer to file bankruptcy, but if you don't know the law you can find yourself facing unintended results, including loosing some of your assets or being dismissed from your case.

The Internet is a wonderful tool. I use it myself, as you know since you are reading my web site. But it also allows anyone to advertise anything, even if they aren't qualified. You don't even know if they are in the same country as you, let alone be in a position to check their credentials.

I am seeing more problems due to non-lawyers giving legal advice and/or preparing bankruptcy documents over the Internet. I also see lots of problems coming from people contacting debt settlement or credit counselors who steer people away from getting legal advise, and cost the debtors lots of money in fees and payments. Many of violating Federal and State laws, many are giving legal advice without a law license, and many are doing in incorrectly and inaccurately. The worst part is that much of their so called advice is wrong, and if you follow it you are the one who is going to pay the price.

Despite what some do-it-yourself web sites say, this new law is complicated and it requires you to fill out hard to understand legal documents, and take exact steps. Each person is different, and each case is different. There is no "one size fits all" way to fill out the forms. If you don't do it correctly you may find that you have created a problem that might not be able to be fixed, and that Internet preparation service won't be there to help either.

The forms that are required are more difficult than they look and what you are required to put into them is not always apparent. There are things that people unfamiliar with bankruptcy law overlook or don't understand. All non lawyers are prohibited by law from giving you any legal advise, even to tell you seemingly simple things.

All a non lawyer can do is to type exactly what you tell them, even if it is wrong. You can type it (or write it) for free yourself, if you insist on doing this without a lawyer, and you will save a few hundred dollars to put towards hiring an attorney if you need one to fix things. The problem is, by the time you have a problem an attorney will probably cost you more money than to have done it right to begin with!

With the complications under the new law, it is more difficult now for non-lawyers to find their way through the bankruptcy system. There are many more requirements to file bankruptcy, more information to submit, and more pitfalls that you will likely need a lawyer to help you navigate. The law has many irregularities in it that will probably take years to iron out, and has resulted in a very confusing process.

Even under the old law, most of the problems I have seen come up for people who don't have a lawyer are problems that would not have occurred if a good lawyer had prepared their case.

These problems could just be that corrected documents have to be filed, but they may be, among other things, loosing property and money, being denied access to bankruptcy by having a case dismissed, or being pulled into a drawn out legal process. Once problems arise, a lawyer will often have to charge more to try to fix it (and not always able to fix it) then to have done it right to begin with.

How long does bankruptcy stay on your credit report?

1701 Scott Avenue Charlotte North Carolina 28203
phone: 704 / 377-0776
fax: 704 / 377-0775

DISCLAIMER: This message is intended as a general discussion of legal issues and not as a statement of fact, legal advice or a legal opinion. Personal opinions may also be expressed. No attorney-client relationship is created by this message. Do not act or rely upon law-related information in this communication without seeking the advice of an attorney licensed to practice in the relevant area.

The Law Office of Susanne M. Robicsek is
a Federally Designated Debt Relief Agency
under the Bankruptcy Code.
I file bankruptcy cases for people in financial need,
and have been doing so since 1989.

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Charlotte NC Bankruptcy Lawyer Concentrating In Consumer Bankruptcy Since 1988
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