Do I need a lawyer to file a chapter 13 bankruptcy petition?
No, but the process is not as straight forward as you might believe. The wrong answer to a few simple questions can lead to dire results such as the dismissal of your chapter 13 bankruptcy case. It is highly recommended that you retain competent legal representation.
Do not be penny wise and pound foolish. Most chapter 13 bankruptcy attorneys will defer most of their fees and have them paid through the chapter 13 plan. The net effect, in most cases, is that your creditors effectively pay for your legal representation.