Law Offices of Michael J. Primus

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Bankruptcy Without A Lawyer? Statistically Speaking, Bad Move!

May 14, 2012 by Michael Primus

Bankruptcy without a lawyer?  According to a report by the Clerk of Court for the U.S. Bankruptcy Court for the Central District of California (Los Angeles and surrounding areas) summarizing statistics for 2011, the discharge rates vary dramatically depending on whether an individual is represented by an attorney.  The discharge rates for pro se (acting as own attorney) are below.

CHAPTER 7 (straight bankruptcy) – Individuals without an attorney received a discharge of their debts in 61% of cases with 39% of cases being dismissed and debts reinstated.  Individuals with an attorney received a discharge of their debts in approximately 95% of cases.

CHAPTER 13 (personal reorganization) – Individuals without an attorney had their plan confirmed (approved) in less than 1% of cases.  Individuals with an attorney had their plan confirmed (approved) in 55% of the cases.

No attempt was made to distinguish between attorneys but as with all things some are better than others.  The link to the complete report is below.

http://ecf-ciao.cacb.uscourts.gov/Communications/prose/annualreport/2011/sectioniib.htm

 

Call now for a free in office consultation.  Offices in Walnut Creek, Antioch and Hercules.

Law Office of Michael Primus

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Determining if bankruptcy is right for you requires specific guidance from an attorney because each situation is different.
The information here is general in nature and is not a substitute for an in office consultation with a lawyer.