Chapter 7

I don't know about a paralegal. Now I'm in PA but I don't think it matters what state your in. If you are going to file a chapter 7 bankruptcy you need to be absolutely certain that it is being filed properly. I filed a bankruptcy using some paralegal service over 4 years ago and just now have had enough and I am actually paying a lawyer to correct my bankruptcy. I sounds crazy but its true! Besides, filing for bankruptcy will not make the foreclosure and repos come off your credit. It only means that no one can harass you about it or try to collect the debt owed. Unfortunately bankruptcy might've helped you before the foreclosure and repos but now you may just have to deal with the blow and move on. Two suggestions for rebuilding your credit would be a secured credit card and searching for auto dealers that will work with damaged credit and take out a SMALL auto loan. Make sure they report to the credit bureaus though or it will do you no good. Hope that helps. Keep your head up.

If choosing a paralegal, make sure their school is ABA certified. There are a lot of (private, for-profit) schools that offer paralegal training...there is a reason why credits/units from such schools have limited or no transferability.

If you have no assets, no secured debts, and can follow directions, it's not that hard to file chapter 7 for yourself. It's just filling in the spaces on the forms. But you have to read the directions and follow them to the T.

I did the paperwork myself last year, and had no problems. I also had a very straightforward case though.