Filing Pro Se isn’t difficult. There are books and websites devoted to the subject.
Well, at least if something goes wrong, you'll know just who to blame. The biggest problem I see with pro se filers is that they do not know how to exempt their assets correctly. The rules for exemption vary from state to state, and each court and division with the same district has their own rules and customs. The books and Internet articles cannot cover the practices in each court. Get it wrong and you'll be turning something over to the trustee, something you could have kept had you done it right .Worse still, credit card companies tend focus on pro se filers and file adversaries for the purpose of forcing a settlement. File pro se if you like, there's plenty of work to go around otherwise these days and your business won't be missed, but it about as foolish as trying to take out your own gall bladder.