If you could not afford an attorney, why are you filing Chapter 13? If you can fund a Chapter 13, the attorney's payment can be added into the plan payments. All that would do is subtract from the payment amounts to unsecured creditors.
No-asset Chapter 7 filings are the easiest to handle on a pro se basis. Have fun when the trustee files the first objections to your plan proposal, which no doubt he or she will.
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Blasted by Trustee at Meeting of Creditors
I filed chapter 13 pro se. Did alot of research, looked at other peoples papers, and also utilized the bankruptcy clerks office and the US Bankruptcy site.
Well when I went to my meeting of creditors the Trustee wanted to talk to me. He told me that in his time only a few people were successful filing at chapter 13 pro se. He asked me how did I do it? and he wanted to advise me that if someone had helped me and I was not disclosing their name they could be in trouble and so could I. I explained to him that no one helped me and if they would have I would have no problem disclosing a name. He continued to reference the getting in trouble if someone had helped me and advised me to get an attorney.
That conversation made me feel like my paper work was too good so he felt no layman could have done it themselves and that I was a liar. At that point I was actually afraid to go through the meeting for fear that not having an attorney would be held against me.
Anybody have any thoughts on this? I didn't have an attorney because I could not afford one.
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