I would say that is probably nearly impossible for a consumer to prepare a bankruptcy plan in Chapter 13 without the assistance of an attorney. There are simply too many technical rules that have to be followed and the courts cannot make special allowances for consumers were not represented by attorneys. What most consumers do is consult with an experienced bankruptcy attorney, an attorney who is a very familiar with Chapter 13, and then explain to the attorney what your problems are and what goals you want to accomplish with the bankruptcy. The attorney will then be able to craft a chapter 13 plan that will, within the bounds of the law, achieve your goals and solve your debt problems.
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