Some people facing financial pressure may want to find a do it yourself bankruptcy option. Is it possible to file for bankruptcy without a bankruptcy attorney? The technical answer is yes. The practical answer is no. With bankruptcy law, rule and laws constantly change or are being updated. By virtue of the requirements of their profession, bankruptcy lawyers follow such changes, challenges and clarifications to bankruptcy law. In addition, a debtor’s personal property is at stake â such as a residence, vehicle, retirement, etc. â and a legal mistake can be very costly to the person filing for bankruptcy. When it comes to the law and legal mistakes, bankruptcy judges are not lenient with do it yourself debtors. They expect everyone to follow the bankruptcy law and judicial protocol. In fact, not following the law or not following proper judicial policy or protocol can devastate or unnecessarily complicate a bankruptcy case. Most experts point out that a common Chapter 13 “reorganization” bankruptcy is much more complex that a Chapter 7 “discharging debt” bankruptcy. It takes longer â sometimes three to five years â to complete and you would be required to devise an administration plan acceptable to the law and judge. Most do it yourself debtors would be advised to still counsel with a bankruptcy attorney to ensure that mistakes are not being made. What about do it yourself bankruptcy software? Some internet sites offer do it yourself bankruptcy software. But once again, this software may be overly simplified or complex (depending on the software) and mistakes can be made â and be costly. Before you decide to go it alone with your bankruptcy case, if you live in Utah, contact Craig Swapp & Associates for a free evaluation of your situation. The initial consultation is free and is designed to help you make an informed decision regarding your bankruptcy. Call us today at the number above and we’ll help you understand your options.