Arizona pro se bankruptcyIt’s okay, you don’t have to hide it from me. I know that people out their file their own bankruptcy petitions. Really, I am not surprised.

Heck, with the Internet as my assistant, I have successfully wired a ceiling fan, fixed a broken treadmill, and diagnosed myself with 14 serious medical conditions. (Okay, those turned out to be false alarms. Take that as a reminder that WebMD is not an appropriate substitute for an ACTUAL MD).

Regardless, I fully support filing for bankruptcy protection as a pro se debtors when circumstances allow. However, in cases where their are assets or income at risk, hiring a cheap bankruptcy attorney will likely pay for itself. I guarantee you will be kicking yourself when your second car or home gets taken by the bankruptcy trustee.

Unfortunately, I get far too many anxious calls from pro se debtors that have received that are facing dismissal of their bankruptcy case. While there are instances in which a strategic dismissal  can actually work in your favor, getting your case dismissed is generally not a good thing. If your are filing as a pro se debtor, or are facing dismissal of your bankruptcy case, I recommend you read the list below of commons reasons that Arizona bankruptcy cases are dismissed.

1. Failure to Submit Documentation of Consumer Credit Counseling Education: Remember that you must participate in pre and post filing credit counseling education. You must submit a certificate of participation to the court in order to receive credit for it.

2. Failure to Respond to the Trustee Letter: After filing, a local bankruptcy trustee will be randomly assigned to your bankruptcy case. After reviewing your petition, your bankruptcy trustee will send a written request for supporting documentation. You are responsible for providing this information to the trustee.

3. Failure to Attend your 341 Hearing: successfully filing for bankruptcy requires that debtors attend a 341 hearing before their bankruptcy trustee. You will receive notice of the time and location of the hearing after filing. If you do not attend your 341, your case will eventually be dismissed.

4. You do not qualify for bankruptcy under the chapter you filed: In order to successfully file for chapter 13 bankruptcy, you must qualify under the secured and unsecured debt limits. In order to successfully file for chapter 7 bankruptcy, you must qualify under the means test. If you do not qualify for the chapter of bankruptcy under which you filed, you have the option of either converting to another chapter or allowing the dismissal of your case.