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First and foremost, make sure that you do your homework on this company. Do a search to see if anyone has had any issues filing, and what the conditions are for getting the guarantee.
You need to know what Chapter of banktruptcy you are filing. The main ones for the consumer is chapter 7, this eliminates all debt, If you have a car loan and want to keep the car you simply need to reaffirm the debt by calling your lender, state you are filing banktupty but that you want to reaffirm. Then there is Chapter 13, this is the repayment plan. ( If you have several assets that you dont want to lose, this is probably your best bet, if you have a house etc.) Print all forms. Print the instructions. The instructions will take you step by step for each section to fill out.
Once you have filled out all paperwork and its ready to go. Take to your local bankruptcy courts and file them. They will give you the information as to where to go to take the credit management class. ( this is now a requirement to file bankruptcy).
But you are correct that you do not need an attorney to file bankruptcy. And courts will typically give you a little bit more leniency if you are doing this on your own.
Just make sure that you have all the information regarding your assets and liabilities together. You should be fine.
If you have any other questions, please let me know. If not, and you have not yet, please select the "accept" button. Thank you, XXXXX XXXXX good luck to you!
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