I cannot afford to hire an Attorney so how complicated is it and is it advisable for an individual to file for Ch 7 bankruptcy without legal representation when they own nothing and have no income?

Anything involving the law is complicated. I will not advise you. This is not for legal advise. This service suggests. How much do you owe? To whom? Has it been adjudicated? What is going on? If you owe thousands and the bill collectors are hounding you, it might be worth it to get them off your back. If you owe a few hundred dollars and have a job, you might want to avoid having a bankruptcy on your record. What is your situation? Some stationery stores sell legal forms. You might get a form for bankruptcy and see what it entails.