It does not mean that you cannot handle the process yourself.
It is just that you should be sure you know enough about the process before
initiating it. Make sure you read books on it and be sure you can avoid
mistakes. This could be the best option for you especially as you might be
trying to avoid incurring any extra expenses seeing that you are already
financially unstable. It would not be a good thing for you to add to your debt
in any way. If you must declare bankruptcy, do so the right way so that you
will benefit greatly from it.
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