{"id":884,"date":"2020-08-10T21:34:48","date_gmt":"2020-08-10T21:34:48","guid":{"rendered":"https:\/\/santarosabankruptcy.us\/?p=884"},"modified":"2020-08-10T21:34:49","modified_gmt":"2020-08-10T21:34:49","slug":"surprising-number-of-chapter-13-petitioners-filing-pro-se","status":"publish","type":"post","link":"https:\/\/santarosabankruptcy.us\/surprising-number-of-chapter-13-petitioners-filing-pro-se\/","title":{"rendered":"Surprising Number of Chapter 13 Petitioners Filing Pro Se"},"content":{"rendered":"\n
In both chapter 7 and chapter 13 bankruptcy there is a meeting of creditors, also called a 341 meeting after the section of the Bankruptcy Code that establishes this event. In practice, it’s common to see one, maybe 2, pro se<\/em> (people filing without an attorney; self-represented) filers in a chapter 7 bankruptcy meeting of creditors. However, I recently saw 4<\/em><\/strong> pro se<\/em> filers on a single chapter 13 bankruptcy meeting of creditors calendar<\/a> in Santa Rosa.<\/p>\n\n\n\n People filing Chapter 13 bankruptcy without an attorney is concerning for a number of reasons. First, chapter 13 bankruptcy is quite complicated. It requires filing a confirmable chapter 13 plan which itself is difficult but also requires motions throughout the 3-5 year case. Few self-represented pro se<\/em> filers are equipped to file motions much less a confirmable plan. <\/p>\n\n\n\n The second cause for concern is why so many people are deciding to file chapter 13 bankruptcy without an attorney. Are there so few affordable bankruptcy attorneys<\/a> in Santa Rosa that 4 petitioners gave up and filed chapter 13 by themselves? Is there a bankruptcy petition preparer (a non-attorney) helping people who really need an attorney prepare chapter 13 petitions that have no hope of being successful? <\/p>\n\n\n\n It’s true that Santa Rosa bankruptcy attorneys charge more for chapter 13 bankruptcy than they do for chapter 7 bankruptcy. The reason lies in the added paperwork, court appearances, and duration of representation. Simply put, chapter 7 bankruptcy requires less paperwork, only 1 appearance at the meeting of creditors, and is over in a few months. In contrast, chapter 13 bankruptcy requires more paperwork, several appearances, and lasts 3 to 5 years.<\/p>\n\n\n\nWhy Pro Se Petitioners In Chapter 13 Is Concerning<\/h2>\n\n\n\n
How Much Santa Rosa Chapter 13 Bankruptcy Attorneys Cost<\/h2>\n\n\n\n