I am ready to file a personal bankruptcy
. I went through paralegal and he helped me preparing all the documents and I am gong to sign the papers on monday, so they will take it to the court. Two questions that are kind of worrying me.
First, he is saying that I should say that I filled out all the papers by myself (basically lying? even though in reality I was the one who supplied him all the information and he simply filled out the paper and I checked after him).... and that I will go to the court by myself.
Should I sign the papers as I filled out myself?
Will I be better off if I go to bankruptcy lawyer, compared to do it yourself?
My issues are complicated (like I have house, have a business - which has all the loans that I cant pay anymore and that is the main reason I am being forced to go to personal BK (at least that's what this guy is suggesting). I have some lots in Texas worth mabye 10-15K (the title is under my wife's, son's and my name). I sold one business last year and took over 100K from my retirement funds where the money was used to payoff the debts up till May of this year...
Being a tax preparer myself, I know that I can present my customer much better at the IRS
, than the customer by him/herself. Is this the case for bankruptcy as well?
Should I sign the papers or go to a lawyer who will represent me (if there is a such a thing). My main issue is that I have already received two letters from lawyers (where the debtors contacted to lawyers and they sent me the letter, but no lawsuits yet).
Please help - thank you so much!