Whether you’re trying to tie up your debts or simply looking to get rid of your second mortgage, filing for Chapter 13 bankruptcy will have you pinching pennies. You might think it’s easier to forgo hiring a lawyer and save where you can, but you could be digging yourself into a deeper financial hole. Chapter 13 bankruptcies are complicated and difficult to file. For this reason, most people hire an attorney to lay all of the interlocking aspects of a Chapter 13 bankruptcy on the table. Read our outline of the complex processes an attorney would be best qualified to handle.