Technically, no. However, it does cost money to retain the services of an attorney.
Of course, you can always just file bankruptcy on your own. It’s merely a series of forms and procedures.
If you figure that each case takes someone with experience at this sort of thing about 4-6 hours of time per case, and you factor in the amount of money involved, headaches and the peace of mind knowing “it’s being done right” by an expert, some would say that’s money well spent.
A value, even.
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