What to do if you cannot afford a bankruptcy lawyer
If you are considering filing for bankruptcy but cannot afford a bankruptcy lawyer, there are a few options that you can consider.
Find a Volunteer Attorney
First, you may be able to find a low-cost or pro bono (free) legal services provider who can assist you with your bankruptcy case. These organizations often work with individuals who cannot afford to hire an attorney and may be able to provide you with the legal assistance that you need. For example, in Chicagoland, you can search for legal services providers in your area by visiting the website of Chicago Legal Aid or by contacting your Chicago Bar Association. A flyer for Chicago Legal Aid is here ==>
Chicago Legal Aid Flyer
The Judge in some cases may request the clerk of the court to find you volunteer attorney to assist you in your case.
Represent yourself - File Pro Se
In addition, Illinois Northern Bankruptcy District through Chicago Legal Aid has a help desk for pro se filers. Debtors can call (312) 229-6344 to request assistance. An informative flyer is attached below. More information is available here at the Chicago Pro Se Help Desk and at Chicago Legal Aid
The Judge in some cases may request the clerk of the court to find you volunteer attorney to assist you in your case.
Get a bankruptcy on a payment plan
Finally, you are typically able to find a bankruptcy lawyer who is willing to work with you on a payment plan or to offer reduced fees based on your financial situation. Many bankruptcy lawyers are willing to make arrangements with their clients to help them afford the legal representation that they need. If you are unable to afford a bankruptcy lawyer, it is a good idea to speak with a few different attorneys and see if any of them are willing to work with you on a payment plan or to offer reduced fees. Our office works with client of all financial stripes and we can work on with the limitations of your budget. After all, you are seeking a bankruptcy. For a Chapter 13, most of the time your fees can be paid through the bankruptcy plan so you’ll be out of pocket very little or nothing at all.
In summary, if you cannot afford a bankruptcy lawyer, you may be able to find a low-cost or pro bono legal services provider, represent yourself in your bankruptcy case, or work with a bankruptcy lawyer who is willing to offer reduced fees or a payment plan. It is important to carefully consider your options and to seek the advice of a financial professional before making a decision.