How to Find a Low-Income Bankruptcy Lawyer

File for Bankruptcy How to Find a Low-Income Bankruptcy Lawyer

How to Find a Low-Income Bankruptcy Lawyer

There's no shortage of bankruptcy lawyers, but what about low-income bankruptcy lawyers? When you're considering bankruptcy, it's usually a good indicator that your finances aren't quite healthy. And when you're financially strapped, the last thing you're likely to afford is a pricey attorney.

So, as you consider your bankruptcy options, you might also be wondering if there is legal aid available to help with bankruptcies. With the countless free legal resources out there, surely one or more is available to help with your bankruptcy filing at a discounted rate, right?

Unfortunately, despite the abundance of low-income bankruptcy lawyers, you might still be on your own. In most scenarios, you'll be able to get some free or affordable advice. But you'll still face tackling the bankruptcy filing to-do list on your own.

Luckily, DoNotPay can fill in the gaps where those low-income bankruptcy attorneys fall short.

Bankruptcy Can Be a Solution for Anyone

Don't feel ashamed if you're thinking about bankruptcy. Thousands of Americans seek out help from low-income bankruptcy lawyers every year when their finances become insurmountable. In fact, according to US Courts statistics, 2021 had 434,540 bankruptcy filings, slightly down from the 612,561 cases filed in 2020.

Chapter 7The most-filed variation of them all. Under the US Code, it allows individuals to liquidate their assets and be free of their debts.
Chapter 13Provides filers with an option for a reorganization of debts, whereby you can keep your assets and structure a repayment strategy.
Chapter 9Available to municipalities, like cities, towns, and school districts, allowing them to restructure debts without forfeiting assets.
Chapter 11Available to businesses, providing financial restructuring options that don't require the selling of assets.

Bankruptcy is intended to help consumers when the debts become too overwhelming or seemingly impossible to repay. Collection agencies get involved, and the creditor calls come in like a tidal wave.

Most consumers who file for bankruptcy, or seek low-income bankruptcy lawyers, do so to seek relief from the harassment and debt lawsuits. Bankruptcy may just be the solution you need, too, for a fresh financial start. And there are various types of bankruptcies you'll need to consider.

What Documents Do You Need to File Bankruptcy?

While you're searching for low-income bankruptcy lawyers, you can also be getting organized. Regardless of how you proceed, there are specific documents and financial details you'll need to have ready. These include:

  • Personal identification information
  • Income documents (six months of pay stubs)
  • Past tax returns (at least two years)
  • Real estate documentation (appraisals)
  • Vehicle titles or registration
  • Bank statements
  • Credit and debt records
  • Child support or alimony statements

Where to Find Bankruptcy Lawyers

Low-income bankruptcy lawyers typically have an eligibility process. And if you don't qualify for the reduced rates or free legal services, you'll have to either file on your own or pay for a traditional bankruptcy lawyer.

You can find bankruptcy attorneys online and likely have several options within your area. If you have to go this full-priced route, ask about the availability of attorney fees payment plans. And in some jurisdictions, the code allows you to include some lawyer fees in a Chapter 13 bankruptcy restructuring plan.

Low-Income Bankruptcy Lawyers and Legal Aid to Help

If you qualify for low-income bankruptcy lawyers or legal aid, it's worth exploring. And there are different types of legal aid services available, depending on your neck of the woods.

  1. Legal Aid Services: To qualify, your household income should fall below the federal poverty level by 125%.
  2. Legal Clinics: Local BAR associations and some social services agencies do offer legal clinics for consumers to attend for free legal advice.
  3. Pro Bono Legal Services: Most attorneys know that among their community of professionals, providing pro bono or free legal services is encouraged. The local BAR association can provide you with a list of attorneys who might be available.

How to File for Bankruptcy All By Yourself

Even if you're able to get legal advice from a low-income bankruptcy lawyer, you might still be faced with filing processes on your own. It's a tedious road ahead, and any missed steps could result in issues. Start by pulling your credit report and assembling your necessary documents. You'll then need to:

  • Take a Credit Counseling Course
  • Complete the Required Bankruptcy Forms
  • Get the Filing Fee
  • Print out Your Bankruptcy Forms
  • Go to Bankruptcy Court and File Your Forms
  • Mail Your Supporting Documents to Your Assigned Trustee
  • Take a Bankruptcy Course
  • Attend Your Required 341 Meeting

Let DoNotPay Take the Sting Out of Filing for Bankruptcy

If you're struggling to find a low-income bankruptcy attorney or reduced-cost legal services, and the thought of trying to file on your own inspires more anxiety than the bankruptcy itself, DoNotPay is here to help. It’s like having an attorney on your tablet or phone.

How to file for bankruptcy using DoNotPay:

If you want to move forward and file for bankruptcy, but don't know where to begin, DoNotPay has you covered in five incredibly easy steps:

  1. Search for File for Bankruptcy on DoNotPay.

     

  2. Put together a list of your debts, expenses, and assets. If you need help accessing information like your credit report, DoNotPay can help you get your report.

     

  3. Let DoNotPay walk you through your bankruptcy options and help you determine whether a Chapter 7, Chapter 12, or Chapter 13 bankruptcy is right for you.

     

  4. DoNotPay will then help find the best credit counseling course near you, which you need to complete before filing your bankruptcy forms.

     

  5. Lastly, DoNotPay will gather all of the forms you need (including available fee waivers) and help you locate your nearest bankruptcy court. All you have to do is complete the required forms, prepare your filing fee, and file the application with your local court.

     

And that's it! Once done, the court will give you:

  • Your bankruptcy case number
  • The name of your bankruptcy trustee
  • The date, time, and location of your meeting with your trustee

At this point, your case has been filed! Congrats! The automatic stay now protects you from all debt collectors. Your trustee will then contact you for further financial documents you will need to provide. Make sure to attend your meeting as well as complete the post-filing bankruptcy debtors course!

Why Filing with DoNotPay Is Better

So much of the bankruptcy filing is handled for you when you choose DoNotPay, making the process:

  • Fast—You don't have to spend hours trying to find low-income bankruptcy lawyers.
  • Easy—You don't have to struggle to fill out tedious forms or keep track of all the steps involved in successfully filing for bankruptcy.
  • Successful—You can rest assured knowing we'll make the best case for you and in your best interest every step of the way.

DoNotPay Offers Bankruptcy Help and So Much More

DoNotPay offers a host of products designed to make your life easier when facing a variety of life's challenges. Get help with almost anything, like:

When you're facing bankruptcy, explore any help you might have available with low-income bankruptcy lawyers. And then you can let DoNotPay handle all the filings for you!

Want your issue solved now?