An individual debtor has the right to represent himself or herself, but there are some situations that can create problems that you may not understand without the help of a lawyer. Check all that apply:
____ I expect a tax refund of $4000 or more
____ I had tax obligations assessed against me or I owe taxes to the IRS
____ I have equity in my home (the value of my home is worth more than the mortgage(s) and unpaid taxes)
____ I have personal property worth more than $5000
____ I am entitled to receive an insurance payment
____ I am currently involved in a lawsuit, either being sued or suing someone else
____ I have a reason to sue another person, business or company (Ex.: malpractice, personal injury, money owed)
____ I have a judgment against me
____ I have a pending employment or EEOC claim
____ I have a workers' compensation claim
____ I am facing foreclosure of my home
____ I am facing fines from local or state entities
____ I am filing (or already filed) a Chapter 13 case
____ I already filed for bankruptcy and received a Rule 2004 notice
____ I expect an inheritance within 6 months of filing (or within 5 years of filing if a Chapter 13 case)
____ There is a lien on my driver's license or my license has been suspended
____ I have outstanding student loans
____ I am over 2 months behind in my car payments
____ I owe past-due child support or alimony
____ I had a garnishment filed against me
____ I own real property (not including my home)
____ I own real estate somewhere else in the world
____ I own property with someone other than my spouse
____ I rent out part of my house or run a business out of a part of my house
____ My name is on the deed of someone else's property or on the title of someone else's car or truck
____ I transferred an automobile, truck, boat, personal watercraft within the last 4 years
____ I've owned a business within the last 12 months
____ I have or own an interest in a partnership, corporation or trust
____ I have limited understanding of English
____ I removed my name from a bank account in the last 4 years