Finding a Lawyer

Although the law allows you to represent yourself in bankruptcy court, you should understand that many people find it extremely difficult to do so. The rules are very technical, and a misstep or inaction may affect your rights. For example, if your case is dismissed for failure to file a required document, such as a credit counseling certificate, you may lose the right to file another case or lose protections in a later case, including the benefit of the automatic stay. Debtors are strongly encouraged to obtain the services of competent legal counsel.

Even if you cannot afford to pay an attorney, you may qualify for free legal services. For information about free (also known as "pro bono") legal services in New Jersey click here . You may also contact your state or local bar association for assistance in hiring an attorney.