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Can I File for Bankruptcy in Iowa Without an Attorney?


Since people consider filing for bankruptcy because of financial hardship, it is only natural that you wonder whether you must hire a bankruptcy attorney. You have the right to file for bankruptcy without an attorney because, in the United States of America, bankruptcy filers are allowed to do so “pro se.” The phrase “pro se” is Latin. It means “on one’s behalf.” However, because bankruptcy is a legal process that can be complicated, it is advisable you file with an attorney.

Reading such kind of advice from a bankruptcy attorney might seem biased, but the reality is that bankruptcy attorneys offer numerous benefits. For example, bankruptcy is meant to offer you relief from debts. Bankruptcy attorneys understand this and ensure they help you discharge as many of your debt obligations as possible.

Below are other benefits that come with hiring an Iowa bankruptcy attorney.

Benefit #1: An Iowa Bankruptcy Attorney Will Help You Select the Best Option for Your Situation

In Iowa, the two common types of bankruptcy options are Chapter 7 and Chapter 13. An experienced Iowa bankruptcy attorney will thoroughly review your financial situation and advise which is the best option for you.

In some instances, after reviews, attorneys find that some clients do not qualify for bankruptcy. Therefore, working with an attorney is not only important because they help you choose the right option, but because they also help you realize if bankruptcy is the right choice for your situation. If you do not qualify for bankruptcy, an attorney can help you discover other options for dealing with your situation.

Benefit #2: An Iowa Bankruptcy Attorney Will Help You with the Paperwork

Like with other legal processes, bankruptcy entails filing a lot of paperwork. Filers need to file paperwork about their assets, debts, incomes, among many other things. If you decide to file the paperwork without an attorney, you might experience a difficult time. For example, since “pro se” filers represent themselves, creditors can still contact them for information. Such contact can distract a “pro se” filer and cause them to make errors when filing their paperwork.

Benefit #3: An Experienced Iowa Bankruptcy Attorney Possesses the Knowledge You Need to Succeed

Do you fully understand bankruptcy law? Do you know everything about Iowa’s bankruptcy exemptions? Even if you believe you do, chances are there are some things you may not fully understand. To successfully file for bankruptcy and have most, if not all, of your debts discharged requires that you fully understand both state and federal laws. An experienced Iowa bankruptcy attorney who has worked on other cases is familiar with federal and state laws and can help you successfully file for bankruptcy.

Additionally, bankruptcy attorneys are not only familiar with the law, but they are also familiar with court procedures and the bankruptcy filing process in general.

Contact a Southeast Iowa Bankruptcy Lawyer Today

To receive more information on why you need to work with an Iowa bankruptcy attorney or to receive help filing for bankruptcy, reach out to a Southeast Iowa bankruptcy attorney today. Contact the Noyes Law Office, P.C., today to schedule a consultation.


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