As long as you are confident of keeping any assets, doing it yourself(BK) seems simple enough. I live in Oregon, and the limit on assets of all kinds is very low in a ch7. I plan on using an att'y just so my rear is covered. I have lived in other rural areas, and they don't like to deal with anyone other than local professionals. I grew up in CA, and know that it doesn't matter there, at least in the bigger areas, populationwise. I have family members in CA who have file for BK, and it seems like it is all automatic.