Not hiring an attorney will likely cost you more money than hiring one. to help with the filing of a bankruptcy. The time you will have to commit to the bankruptcy will also cost you time that could have been spent working and earring a living. When you don't hire an attorney you may be required to attend more than on hearing. Attorneys will only need on appearance by you in most cases.

When you file bankruptcy a trustee is a appointed and his or her job is to shake you like a money tree to see if anything falls out. Their job is to collect assets and sell them to pay your debt. Their incentive is money, they get to keep a percentage of everything they collect. So if you are willing to risk your personnel property, tax refunds, vehicles and money in your bank account to your knowledge of the bankruptcy code or some form you found on line with instructions go ahead and file your own case. And if you want to really take a risk and pay a paper preparer or paralegal to prepare your paperwork, be careful on who you hire. I take over approximately 2 -4 Pros-Se (without an attorney) cases a month that are filed incorrectly. When i ask the client what they paid the paper prepare or paralegal thus far it almost adds up to my fee.

Remember, Attorneys are regulated by the Florida Bar, these people are not regulated at all. They have no ethical duty to you are any State or Federal agency. They will tell you what you want to hear to get your money and when there is a mistake they will charge you more to try and fix it. If they can't fix it then your out of luck.

One paper preparer in Jacksonville Florida that has prepared more cases than most in town is Bob Palmer. Please read this case about him below.

The Florida Bar, Complainant, vs. Robert V. Palmer, Respondent, 588 So. 2d 234 (1991)

SUPREME COURT OF FLORIDA

_____________

No. 75, 557

_____________

THE FLORIDA BAR, Complainant,

vs.

ROBERT V. PALMER, Respondent

[October 31, 1991]

OPINION :

In this disciplinary case The Florida Bar seeks disbarment of Robert V. Palmer, presently a member of The Florida Bar. We have jurisdiction pursuant to article V, section 15, Florida Constitution, and agree that Palmer should be disbarred.

The Florida Bar filed a four-count complaint against Palmer and later amended it to include a fifth count which alleged that Palmer had stolen clients' funds. The bar also filed a request for admissions to which Palmer never replied. When the referee scheduled the matter for final hearing, Palmer requested a continuance because of a family-related emergency. After the referee denied the continuance, Palmer and bar counsel, in a telephone conversation to which the referee and his lawyer were parties, stipulated to a consent judgment with five-year disbarment, retroactive to the date of Palmer's temporary suspension, and payment of costs. When bar counsel formalized the agreement in writing, however, Palmer refused to sign it. The referee, after a hearing in which Palmer participated, enforced the agreement and recommended that Palmer be found guilty on five counts of disciplinary violations and disbarred.

Palmer contends that the consent judgment is nonbinding because the agreement was made under duress when the referee wrongfully denied a continuance. Palmer does not suggest error in the findings on the five counts, but urges that he has been deprived of an opportunity to present mitigating evidence. He did not disclose the nature of this mitigation to the referee, nor has he advised us of it.

Considering that Palmer has been convicted of the felonies of unlawful possession of cocaine and theft of client funds, that his trust account was substantially and frequently out of balance, and that he had received payment for legal acts he never performed, this is a clear case for disbarment. Cf. The Fla. Bar v. Shuminer, 567 So. 2d 430 (Fla. 1990); The Fla. Bar v. Eisenberg,

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555 So. 2d 353 (Fla. 1989); The Fla. Bar v. Golub, 550 So. 2d 455 (Fla. 1989). We find no error in the referee's terminating the proceedings by enforcing the consent judgment.

We therefore approve the referee's report and disbar Robert V. Palmer, retroactive to May 4,

1989. Judgment for costs of $ 15,177.77 is entered The Florida Bar against Robert V. Palmer, for which sum execution may issue.

It is so ordered.

JUDGES: Shaw, C.J. and Overton, McDonald, Barkett, Grimes, Kogan and Harding, JJ., concur.

COUNSEL :

John F. Harkness, Jr., Executive Director John T. Berry, Staff Counsel, and Mimi Daigle, Bar Counsel, Tallahassee, Florida,

for Complainant.

Robert V. Palmer, Pro Se, Jacksonville, Florida,

for Respondent.