Filing on your own is cheaper-if you do everything right. More expensive if you don't though. Under the old laws, I'd say it was fairly simple. Things are more complicated now, with more steps and more requirements. If you don't dot all the i's and cross all the t's (and turn in all the paperwork as required), your case will be dismissed and you'll have to start over. (Pay a new filing fee, etc.) And, if you have to refile, you may not get the automatic stay again.
You should include ALL your debts. Failing to include some would be wasted effort. If Bank of America is who you owe, you SHOULD list them as a creditor. That debt would not impact the rest of your bankruptcy, even if it were ultimately ruled as non-dischargable.
You should include ALL your debts. Failing to include some would be wasted effort. If Bank of America is who you owe, you SHOULD list them as a creditor. That debt would not impact the rest of your bankruptcy, even if it were ultimately ruled as non-dischargable.
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