June 26, 2013 By:
A “bankruptcy petition preparer” under bankruptcy law (Section 110(a)(1) of the Bankruptcy Code) is someone who gets paid for preparing documents that are filed in a bankruptcy case, but is “not an attorney for the debtor” nor “an employee of such attorney under the direct supervision of such attorney.”
There are two basic reasons why a person would use a petition preparer:
Petition preparers are not legally allowed to be anything more than essentially data entry clerks. They input information that you provide onto bankruptcy documents. They are typists who type, and can’t do anything more. They are allowed to charge a reasonable price only for their very limited role. They can’t do much, which is why they charge relatively little. But because what they do is tangible, and they would enable you to get a bankruptcy petition filed at court, it can be tempting to use them.
But a typist is a very small and least important part of what you need. Filing a bankruptcy is a serious matter, a significant decision. And within that big decision, there are many others to be made in each person’s situation, big decisions and small, even in seemingly straightforward cases. A petition preparer is neither qualified nor legally allowed to help you decide:
And beyond these, the reality is that there are often unexpected and even seemingly logic-defying aspects of the law that can trip and trap you. It is simply very dangerous to try to cross that minefield without an experienced attorney to guide and represent you.
What is critical at this point in your financial life is for you to understand all your options clearly and thoroughly, so that can start making well-informed decisions starting now. If you live in Texas and in or around Rockwall, Heath, Greenville, Lavon, Wylie, Mesquite, or Rowlett, contact me, bankruptcy attorney Carrie Weir. I can help you with this. To set up a free initial consultation with me, please use the contact form here or by call me at 972-772-3083 . Thank you for the opportunity to help you.