You Can File Bankruptcy Without a Lawyer

Chapter 7 & Chapter 13

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We have the the fastest delivery in the business. We are here to help make the process of filing bankruptcy papers easier and quicker – our online software will simplify this for you and help you get back to rebuilding your financial circumstances. Our software is designed to walk you through the entire process, from the “Means Test” through the online bankruptcy filing.

Choosing to file bankruptcy is never an easy choice - online bankruptcy filing has become easier. While no one likes to renege on their fiscal responsibilities, not all bankruptcies are avoidable. There are many circumstances that could lead up to this. Bankruptcy does stay on your credit for 7-10 years but again think of the freedom you will gain.

The Federal courts have allowed bankruptcy to help relieve consumers and businesses of debts and in some cases allow debtors to repay creditors at reduced incremental amounts. Bankruptcy court also will help protect you during the process from the harassment of creditors while you try to get your financial future back on track.

The bottom line is: You are filing bankruptcy because you do not have the money to pay your debts. Why would you spend what you do have on a bankruptcy attorney? Let us help you make this experience as hassle-free as possible.

What our Software Offers

Now, through our simplified online bankruptcy filing application process, you can fill out your own bankruptcy papers.

Compare our fees; for $99, you can fill out and submit your paperwork (where e-file is available) and possibly only have to make one trip to the courthouse vs. spending $1400-$3000 and several visits to an attorney’s office – the choice seems obvious!

Our software has simplified the process for online bankruptcy filing of Chapter 7.

  • You will go through our easy instructions on what you will need to have in order to fill out the paperwork properly
  • Convenience - you can prepare this entirely in the privacy of your home
  • Chapter 7 court fee waiver – where available
  • You can e-file – where available
  • Top-shelf technical support when needed

Our business is on the cutting edge of providing a service not only to save you money but will take the stress out of filing bankruptcy.

Bankruptcy is an administrative process – there is no lawsuit involved so, don’t waste your money on expensive lawyers. The accuracy and quality of the documents is what matters – a trustee of the court will review your documents for eligibility for discharge.

Save the hassle and money of an attorney and start breathing easier. You’ve come to the right place.


Chapter 7 Bankruptcy– What is it and am I eligible?

Online Chapter 7 bankruptcy filing

There are basically two types of bankruptcy: liquidations and reorganization. This type of bankruptcy is the liquidation category. Choosing this option means that any property you own can be seized and sold to settle your debts. This option is available to individuals as a consumer Chapter 7 bankruptcy as well as to businesses as business Chapter 7 bankruptcy. This process can take anywhere from 3-6 months. Filing for Chapter 7 bankruptcy online just got easier – our online bankruptcy filing software will save you many hours of time-consuming work.

While Chapter 7 bankruptcy allows for the selling off of property, there are certain restrictions by federal law as to what cannot be sold, for example, your car (if lien-free), your clothes, your furniture – and much more. The upside to all this is the dismissal of most unsecured (non-collateralized) debts.

The courts allow for other options on secured debts. With secured debts (cars, homes, etc.), you can allow the creditor to repossess the item (voluntary repossession) or you can opt to re-affirm the debt and continue paying the creditor. In some instances, secured debts can also be wiped out.

There are certain requirements that must be met to qualify for Chapter 7 Eligibility. One of the most important ones is that you cannot be earning enough money to repay the debt under a Chapter 13 repayment plan. Additionally, certain debts cannot be forgiven in Chapter 7 bankruptcy filing, such as taxes, child support, educational loans and alimony. A bankruptcy discharge does not relieve property liens.

According to the http://www.uscourts.gov/rules-policies/judiciary-policies/bankruptcy-case-policies, eligibility is determined as follows:

Chapter 7 Eligibility

  • The debtor may be an individual, a partnership, or a corporation or other business entity.
  • Debtors are subject to the means test
  • For individual debtors, relief is available under Chapter 7 irrespective of the amount of the debtor’s debts or whether the debtor is solvent (is able to pay all debts as they become due, and having no more liabilities than assets) or insolvent (is unable to pay one's bills as they fall due)
  • If an individual failed to appear in court for a bankruptcy hearing during the past 180 days, they cannot file under any chapter,
  • Debtor cannot file under any chapter if they voluntarily dismissed a previous case
  • An individual must receive credit counseling within 180 days prior to filing
  • Partnerships and Corporations are not eligible

There are several other considerations that may be taken into account – for more information on these guidelines, the code in its entirety may be viewed here.

Our online bankruptcy filing software for Chapter 7 takes the guesswork out of document preparation. Our proprietary software will step you through the application process. For as little as $99 you can be on your way to debt relief. Try us today and check out our products and choose the right one for you. Our online bankruptcy filing software will save you thousands of dollars in attorney’s fees-money you don’t have to waste.

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Chapter 13

Chapter 13 Bankruptcy Filing-Reorganization

Our Chapter 13 online bankruptcy filing software Means test will help you determine which chapter will best suit your situation. If you fall under any of the categories that make you ineligible for Chapter 7 Bankruptcy, another option for consideration is Chapter 13.

Under Chapter 13, you will more than likely get to keep all your property and avoid foreclosure; however, you will be obligated to submit a repayment plan to repay all or part of your debts within 3-5 years. This is known as the wage-earner proceeding; you must have a reliable source of income.

The courts will engage you in developing an equitable repayment plan – you must work with them and adhere to the plan that is agreed upon. Your repayment plan will be based on your income, total debt and the amount creditors would have otherwise received under Chapter 7.

According to the US Courts:

  • Any self-employed or unincorporated business is eligible for Chapter 13.
  • Unsecured debts must be less than $383,175*
  • Secured debts must be less than $1,149,525*
  • Corporations and partnership are not eligible

*Amounts are adjusted based on the consumer price index

For a complete listing on restrictions, please check out the entire law here.

Advantages of Filing Chapter 13 Bankruptcy:

  • Offers debtors the opportunity to save their homes from foreclosure
  • Can stop foreclosure proceedings
  • Cure delinquent mortgage payments
  • Allows individuals to reschedule secured debts (other than a mortgage on primary residence)
  • You can extend payments over the life of the plan, possibly lowering payments
  • This provision may protect co-signers
  • Similar to a consolidation loan the debtor remits plan payments to Chapter 13 trustee; they distribute payments to the creditors.
  • There is no further contact between creditors and debtors

Requirements:

Debtors are required to observe the following guidelines when filing for Chapter 13 Bankruptcy and must file the following with the court:

  • Schedules of assets and liabilities
  • Schedule of current income and expenses
  • Schedule of executor contracts and unexpired leases
  • A statement of financial affairs.
  • A certificate of credit counseling
  • A copy of any debt repayment plan developed through credit counseling
  • Evidence of income received 60 days prior to filing
  • A statement of monthly net income
  • A statement from employer of any anticipated increase in income
  • A record of any interest the debtor has in federal or state qualified education or tuition accounts
  • Must provide the trustee a copy of the tax return

Our Chapter 13 online bankruptcy filing software will address each area that is relevant to your case. Although our software is intuitive, technical difficulties may arise while using the software. Feel free to use the Contact Us page to voice your concern. We will respond to your inquiry within 24-48 hours.

If you already purchased the package,