The Complexity Of Chapter 13
Representing yourself in a bankruptcy case has a non obvious downside, if the case develops problems, capable bankruptcy lawyers won’t step into a troubled case. Chapter 13 is a difficult undertaking for an inexperienced bankruptcy lawyer, much less a layman. The rules are set up to manage mega cases, for public corporations. Those procedures are often overkill for individual Chapter 13′s, but it takes a court order to excuse the debtor from the usual rules. Creditors get a vote on the plan, and to confirm a plan, the debtor must get an impaired class to vote for the plan. None of this is easy in the typical case.
