Self-Represented Creditors

The self-help desks, Court clerks, and judges regularly address creditors without counsel. Creditors most commonly represent themselves when filing claims, and clear instructions are sent out with the claims form and bar date notice. (See LBR 3015-1(b)(4) and (c)(1).) Self-represented creditors also routinely tell the Court that they did not understand that there was a deadline to file an objection to the debtor’s discharge, or that a separate adversary proceeding needed to be filed. Judges regularly have creditors appearing without counsel in adversary actions. The Court’s mediation program has been helpful in resolving many of these cases, but trials with one or both parties self-represented are still commonplace.

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