Can I run up my credit cards right before I file bankruptcy?
No, running up your credit cards on the eve of bankruptcy in anticipation of filing may cause your debt to be non-dischargeable on the grounds of fraud and you can be fined. You should get legal advice concerning large amounts of credit card debt incurred for "luxury goods" right before your bankruptcy.
Can I file bankruptcy without a lawyer?
Yes, no matter what state you are in, you have the right to file bankruptcy without a lawyer. In fact, a fast growing percentage of people are filing without lawyers. They realize that many bankruptcies are highly routine and could be filed without a lawyer. Therefore they chose to save the money ($1,000 or more) and do it themselves. Thousands have used bankruptcy kits such as ours to guide them and have successfully filed their own bankruptcy without paying a retainer fee.
Should I feel ashamed to file bankruptcy?
There is a lot to think about before filing bankruptcy, however feeling ashamed should not be one of them. The history of bankruptcy in the United States dates back to the founding of our nation. The early English practice of debtor's prison was so abhorred by our founding fathers, they expressly outlawed it and instituted forgiving bankruptcy laws early on in our nation's history. Over the years, some of our nations' most revered companies and people have turned to the bankruptcy system for help. Perhaps this nations greatest president and founding father, Thomas Jefferson filed for bankruptcy not just once, but several times to eliminate the accumulation of his huge debt. Filing bankruptcy is better put into perspective when you know that a man of Mr. Jefferson's foresight and intelligence could repeatedly get himself into financial trouble.
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