top of page


  • Writer's picturePeter Lamont, Esq.

The Importance of Hiring a Bankruptcy Attorney for Your Chapter 7 Bankruptcy

Filing for Chapter 7 bankruptcy can be a complex and daunting process involving numerous legal requirements, paperwork, and deadlines. While it is possible to file for bankruptcy on your own, known as filing "pro se," hiring a knowledgeable and experienced bankruptcy attorney can significantly increase your chances of a successful outcome.

Why Hiring a Bankruptcy Attorney is Crucial

Navigating the legal complexities of Chapter 7 bankruptcy can be challenging without professional assistance. Here are some reasons why hiring a bankruptcy attorney is essential:

  1. Expertise: Bankruptcy attorneys have the knowledge and experience to handle your case effectively. They understand the intricacies of the bankruptcy code, the means test, and the specific requirements of your jurisdiction.

  2. Guidance: A bankruptcy attorney can help you determine if Chapter 7 is the right choice for your financial situation, advise you on alternatives if necessary, and guide you through every step of the process, from filing the petition to attending the meeting of creditors and securing a discharge of your debts.

  3. Avoiding Mistakes: Filing for bankruptcy involves extensive paperwork, and even minor errors can result in significant delays or even the dismissal of your case. An attorney can help ensure that your petition and schedules are accurate, complete, and submitted on time.

  4. Protection from Creditors: Once you hire a bankruptcy attorney, they can communicate with your creditors on your behalf, helping to end harassing phone calls and collection efforts.

Consequences of Not Hiring an Attorney

Attempting to file for Chapter 7 bankruptcy without the assistance of an attorney can lead to various negative consequences:

  1. Case Dismissal: Failure to comply with the requirements of the bankruptcy process, such as missing deadlines, incomplete paperwork, or improper handling of assets, can result in the dismissal of your case without obtaining a discharge.

  2. Loss of Assets: Without the guidance of an attorney, you may inadvertently fail to protect your assets from liquidation, resulting in the loss of property that you may have been able to retain with proper legal counsel.

  3. Denied Discharge: If the court finds that you have committed fraud, failed to complete the required credit counseling or financial management courses, or otherwise violated the bankruptcy code, your discharge may be denied, leaving you responsible for your debts despite having gone through the bankruptcy process.

How a Bankruptcy Attorney Can Help

Hiring a bankruptcy attorney to handle your Chapter 7 bankruptcy can provide invaluable support and guidance throughout the process. From evaluating your financial situation and determining your eligibility for Chapter 7 to preparing and filing your petition, protecting your assets, and representing you in court, an attorney can help ensure that your bankruptcy case proceeds smoothly and efficiently.

In addition, a bankruptcy attorney can provide emotional support and reassurance during a challenging time, helping to alleviate the stress and uncertainty that often accompanies the bankruptcy process.


Filing for Chapter 7 bankruptcy is a complex process with potentially life-altering consequences. Hiring a knowledgeable and experienced bankruptcy attorney can significantly increase the likelihood of a successful outcome, ensuring you navigate the process effectively and secure the financial relief you need. While it may be tempting to try to handle your bankruptcy case on your own, the risks of doing so without professional assistance can be substantial. Engaging the services of a bankruptcy attorney is a wise investment in your financial future, providing the support and guidance necessary to help you regain control of your financial life and move forward confidently.

Do you have questions about bankruptcy or debt management? If so, contact us today at our Bergen County Office. Call Us at (201) 904-2211 or email Us at


If you would like more information about this post or if you want to discuss your legal matter with an attorney at the Law Offices of Peter J. Lamont, please contact me at or (201) 904-2211. Don't forget to check out and subscribe to our podcast and YouTube channel. We have hundreds of podcasts and videos concerning various business and legal topics. I look forward to answering any questions that you might have.

DISCLAIMER: The contents of this website and post are intended to convey general information only and not to provide legal advice or opinions. The contents of this website and the posting and viewing of the information on this website should not be construed as, and should not be relied upon for, legal or tax advice in any particular circumstance or fact situation. Nothing on this website is an offer to represent you, and nothing on this website is intended to create an attorney‑client relationship. An attorney-client relationship may only be established through direct attorney‑to‑client communication that is confirmed by the execution of an engagement agreement.

As with any legal issue, it is important that you obtain competent legal counsel before making any decisions about how to respond to a subpoena or whether to challenge one - even if you believe that compliance is not required. Because each situation is different, it may be impossible for this article to address all issues raised by every situation encountered in responding to a subpoena. The information below can guide you regarding some common issues related to subpoenas, but you should consult with an attorney before taking any actions (or refraining from acts) based on these suggestions. Separately, this post will focus on New Jersey law. If you receive a subpoena in a state other than New Jersey, you should immediately seek the advice of an attorney in your state, as specific rules differ in other states.



Rated 0 out of 5 stars.
No ratings yet

Add a rating
bottom of page