What is the downside of filing for bankruptcy?

The one downside to filing Chapter 7 bankruptcy is that you may lose assets to pay off your creditors.

Is it worse to file bankruptcy or just not pay?

Ignoring debt will have lasting negative impacts that may force you into bankruptcy anyway.

Why hire a Legal Paraprofessional rather than an Attorney?

In January 2022, 10 Arizona Legal Paraprofessionals (“LP”) were licensed by the Supreme Court to represent parties in court in place of an attorney. Since then a few more have been appointed. LPs are comparable to an attorney as a nurse practitioner is to a doctor.