Can You File Bankruptcy Without an Attorney?

Filing bankruptcy without an attorney (pro se) is legal but risky. The court filing fee is the same ($338 for Chapter 7, $313 for Chapter 13).

Pro se filers have significantly higher dismissal rates — studies show 40–50% of pro se Chapter 13 cases are dismissed vs. 10–15% with attorney representation.

Chapter 7 pro se filings are more manageable for simple cases with few assets. Many bankruptcy attorneys offer free consultations and payment plans..