But what if its really a simple case? What about the situation where a person has no divorce pending
, has only credit card debt and drives an older car worth no more than a thousand dollars? The person makes only minimum wage and needs a bankruptcy filed to stop a wage garnishment filed by a credit card creditor who sued him and got a judgment he is now collecting. He owes about fifteen thousand dollars in credit card debt, has no secured debts, and has no prior bankruptcy cases on his record. He has a few years of college and can read instructions to file his own case. Could this fellow file his own bankruptcy if he has the correct instructions and information? He probably could. I have seen it done successfully several times. Moreover, since he is being garnished, he cannot afford to pay the cost of a bankruptcy attorney. In fact, it will be hard for him to pay the filing fee and credit counseling fee. This is the kind of situation that makes sense for a consumer to file himself without a lawyer.