For most debtors bankruptcy filing is a complex process that need them stay up - to - date on the bankruptcy laws. (debtfirms.com)
Most debtors file under chapter 7 or chapter 13 because Chap 11 BK is too expensive and complicated for it to be worthwhile to a typical debtor. (bankruptcyattorneynation.com)
Well, to be brutally frank, in my experience, most debtors with the discipline and financial savvy to pull off their own debt repayment program wouldn't be in a debt mess to begin with. (mymoneycounselor.com)