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No, you don't HAVE to... you can legally represent yourself. That call that a 'pro se' debtor. However, meaning no offense, the fact that you have asked this question indicates that you probably should get one.

While the high-level view of a chpt 13 is reasonably straight forward, there are many, many land mines on the road from your petition to the discharge and closing of the case. What I see is that over half of chpt 13 bankruptcies fail before they complete, and end in dismissal... and that is WITH attorney.

If I were you, I would get referrals, because while one likes to think that all professionals would be good, that is not the case.

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Q: Do you have to have an attorney to file for a dismissal of chapter 13 bankruptcy?
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