Do you think that a Chapter 13 is something that an individual without legal experience in bankruptcy is able to do?

Response from Michael Cotter, Chapter 13 Trustee for the Eastern District of Virginia:

"No. I believe that the filing of a Chapter 13 Plan (along with the related Schedules) requires a good knowledge of not merely bankruptcy law in general but the peculiarities and unique features of Chapter 13. I believe that the filing of a Chapter 13 Plan is more complicated than the filing of a Chapter 7 case and requires a special expertise. Indeed, even a competent Chapter 7 bankruptcy attorney is not able to file a satisfactory Chapter 13 Plan absent knowledge of the specific provisions of Chapter 13."

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Edrie Pfeiffer
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Edrie Pfeiffer, Bankruptcy & Divorce Attorney