Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - When you claim bankruptcy in NY, Do you have to speak to the judge yourself? - I made a mistake with my debt 2 years ago, im seriously considering bankruptcy. Im just so scared im going to have to explain everything to the judge myself. Im going to hire a lawyer to do the bankruptcy for me but im such a shy person and i clam up when im under pressure. br br Does the judges ask you when you first started getting the debt? br Also does the judge ask you how come you have so much.