The words file bankruptcy can instill terror in the hearts of responsible people. The process helps people get back on their feet, particularly if they have gotten in over their heads. It happens even to the best of people. It should not happen, but it does. When it does happen, a good person needs to find his way back to solvency. The path to solvency is not always clear-cut.

The new rules allow a person to solve many of his debt problems, but they do not solve all of an individual’s debt problems. The legal process starts when a debtor files paperwork.He should hire a lawyer to make sure  that the process goes as smoothly as possible.The debtor needs to appear before a federal bankruptcy court. No one wants to represent himself in court. This is true even if the individual is a lawyer. There is a reason lawyers say that a man who represents himself has a fool for a client.