It’s not required, but trying to do it alone would severely disadvantage you. Unless you have some legal training – and even then, your chances of successfully getting your debts discharged would still be low. Let’s look at some of the reasons why:
Pro se and why it has low success rates
The law calls people who represent themselves in proceedings pro se filers. In bankruptcy filings, statistics show that courts dismiss or deny pro se filers’ cases ten times more often. While Chapter 7 pro se filings, which are simpler, have higher success rates than Chapter 13 pro se filings, the success rates of pro se filers are still far lower than those filed with the assistance of lawyers.
Why is it harder for pro se filers?
Pro se filers need more knowledge to navigate the complicated procedural steps of bankruptcy filing and the time and resources to focus on the case alone, especially considering the continuously changing bankruptcy laws and the complex decisions required at every step. Imagine holding down a job while still trying to research and study about your bankruptcy filing. Add on the responsibilities of caring for children, and you can see how the lack of time alone will defeat even the strongest-willed pro se filers.
In short, it’s a simple mathematical equation. There are only 24 hours a day, and one person cannot be a lawyer, an employee/businessperson and a family person all at once. Something has to give
Fortunately, help is available
Thankfully, you don’t have to go at it alone. Help is available to those who ask for it. Consider enlisting legal counsel who can help guide you through the process and help you explore your options in bankruptcy. Your physical and mental well-being will thank you for it.