Is it worth having an attorney for file bankruptcy? Yes, if you have secured debt (an auto loan, a mortgage, etc,) it is nice to have an attorney because some creditors will not allow you to keep the collateral unless you have an attorney.
In order to keep your collateral after bankruptcy you have to sign a reaffirmation agreement. Some creditors will only allow you to sign a reaffirmation agreement if you have an attorney representing you.
Lincoln Law will no longer sign any reaffirmation agreement, for anyone, no matter what the collateral is, unless you are willing to pay an additional $400-$600. This means if you have a car that you want to keep, even if you are current on it, if you go through Lincoln Law, you will most likely lose it.
With this being said, there is no reason to have an attorney if you are looking at going with Lincoln Law. Go somewhere else. Even if they do not have as much marketing as Lincoln Law, there is a good chance they will be better than Andrew Gustafson.
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