Personal bankruptcy inquiries have been climbing recently , driven, in large part, by the persistent debt burdens borrowers are facing, along with elevated borrowing rates and the cumulative toll that years of high inflation have had on living costs. But as more Americans turn to bankruptcy as a viable form of debt relief , a growing number are also exploring what's known as "pro se" filing, meaning they're representing themselves in court without an attorney.  The appeal of pro se filing is

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