What is the major problem that you see with the petition and plan filed by someone who is not represented by an experienced attorney?

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

"The vast majority of the time a pro se Debtor simply does not comprehend what is being asked for in the Plan and on the Schedules. Understandably, the typical pro se Debtor is not familiar with much of the terminology used in the Plan and the Schedules such as “priority” creditors, “executory” contracts, “co-debtors”, “surrender” of property, “cramdown”, “lien avoidance” and so many more. It appears to me that, in the vast majority of cases, the pro se debtor has plainly made a good faith attempt to complete the Schedule and Plans but,despite their best efforts, the Debtor is simply unable to do so in a satisfactory manner."

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Edrie Pfeiffer
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Edrie Pfeiffer, Bankruptcy & Divorce Attorney