The U.S. Bankruptcy laws do not require you to have a lawyer represent you in the bankruptcy process. But the complex laws and regulations create a confusing, complicated process. If you make mistakes, you could affect your ability to get a bankruptcy discharge of your debts. Retaining a knowledgeable bankruptcy lawyer is strongly recommended if you consider filing a bankruptcy petition. At The Law Office of Ricky Stern, your first consultation is always free of charge. There is no obligation to retain us to represent you. So, there is no reason to delay contacting us to discuss whether bankruptcy is a viable option for you to pursue.