I never filed a bankruptcy nor very knowledgeable in it. I understand what bankruptcy is but not really familiar with certain laws about it. It is my understanding that every state has it's own laws regarding the issue. Say for instance, West Virginia might be of different compared to the north carolina bankruptcy laws or Ohio or any other state. Nevertheless, it is always important that when you are filing a bankruptcy, you understand exactly what you are doing coz if not, it is a wise decision to hire a professional that could help you along the way.