What is the advantage of hiring an attorney?
Not only will the attorney make sure that you are filing under the right chapter but the attorney will also make sure that you can keep as much assets as possible. To accomplish this the attorney will apply exemptions according to the California exemption systems. Since there is complicated law involved almost always can a bankruptcy attorney get you a better result than yourself. The attorney will also analyze whether you should file bankruptcy at all and what exactly the outcome will be
The attorney will review your financial documents and prepare the court documents. In most cases the attorney will help you reaffirm your car with the lender and remove liens under certain circumstances.
In a chapter 13 the attorney will also draft and propose a repayment plan to the judge. If you have a second mortgage the attorney will help you remove the second mortgage if the law permits it.
The attorney will represent you at the meetings in court.