Are You Having Problems With Debt?

If so, you should consider the debt relief afforded by federal bankruptcy laws. You may find that bankruptcy provides a fresh start by allowing you to reduce, restructure, or eliminate debt while still retaining most or all of your assets.

Filing-Bankrupt.com can provide you with the information and bankruptcy forms you need to make your decision and most, if not all of the resources you will need to complete a successful filing and final discharge or reduction of most of your debt. You have listened to the telephone calls, you have read the mail and you have done the math. Now it is time for you to take action.

Bankruptcy is a court order that you can apply for if you are in serious debt. Once you have been declared bankrupt, you will no longer have to deal with the people you owe money to, your creditors.

As of October 17, 2005 (Updated as of January 1, 2008) the new bankruptcy laws changed. Entitled "The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA)". Unlike previous years, you should now receive credit counseling (you can generally get a waiver) and meet a means test. For all intents and purposes for most of us Chapter 7 Bankruptcy has now become Chapter 13 Bankruptcy. There is also a new official bankruptcy forms package that requires online information.

Stop feeling guilty, stop feeling depressed, stop feeling powerless. Take the steps necessary now to protect yourself, your home and your family. There is absolutely nothing wrong with having to file a legitimate bankruptcy, That is why the option is available to you by the Federal Government. Many of us need to file for bankruptcy protection due to a loss of job, medical expenses, mortgage default, etc. This is how you get the creditors off of your back and keep the money you need for day-to-day expenses. After all, it is your time and money!

Due to the changes in the new Bankruptcy Law many lawyers will no longer handle your bankruptcy case because they would have to charge you more than you can probably afford. Or may tell you that you need a lawyer to file for bankruptcy, not true. After all, you are filing for bankruptcy. Reasons being that they have to spend more time gathering information about your finances and they become responsible for any entries made in your filing. Where lawyers may have charged $500 (plus filing fees), they will probably charge $1,500+ (plus filing fees) now.

The new bankruptcy law has made filing bankruptcy more difficult than ever before. The new bankruptcy law was fueled by credit card companies and their high powered lobbyist who wanted to make it harder for debtors to wipe out credit card debt. Bankruptcy credit counseling has been seen by many bankruptcy attorneys as an attempt to delay a debtor from seeking protection in the bankruptcy court. The delay may be just enough time for a creditor to obtain a judgment or collect garnishment funds. You need to file now.

Identity theft for bankruptcy petitioners is rampant. Do not complete you petition on-line. Download your forms here. Your information is not subject to hackers here.

Official Self Help Bankruptcy Petition Forms Package, Bankruptcy Information, and Petition Preparation Service for those without a lawyer. Prepare your own bankruptcy petition forms with our easy-to-use software package!

The best bankruptcy option:  Chapter 13 is alive and well to adjust your debts and let you keep everything you own.

—Chapter 13 is the high road to resolve your debt problems. Very powerful features of Chapter 13 let you re-amortize loans and  drop interest rates.

—You are in charge. The Chapter 13 Trustee has no right to take any of your property!

—Chapter 13 is completely voluntary The case must be dismissed if you want it to be dismissed.

—You have lots of time to catch up on mortgage payments, car payments and other secured lenders.

This is where we step in on your behalf! You do not need a lawyer (lawyers nor paralegals can’t practice law on the internet). With our official forms package, which includes step-by-step instructions for each entry, you can easily complete and file your petition for a cool $400.00 (including filing fees of about $350, program / filing fees optional). Be advised that by law, no one other than a lawyer can charge you more than $200.00 to complete your forms for you and in many states paralegals must be certified.

Bankruptcy is a federal program established by United States Congress to provide debt relief to persons and organizations suffering from financial difficulties. The federal bankruptcy program was never intended to cost hundreds or thousands of dollars in attorney fees! In fact, in most cases the entire bankruptcy process consists of completing the Official Bankruptcy Forms, filing them with the bankruptcy court and attending a brief meeting with a bankruptcy trustee. No court hearing is required in most cases.

While many individuals believe they need an attorney to file bankruptcy, an estimated 400,000 consumer bankruptcies were filed in the United States last year by individuals without attorneys. We are pleased to have assisted many of those filers.

When an attorney is hired to file bankruptcy, the attorney asks the client for the information needed to complete the Official Bankruptcy Forms (which has to be verified). The information is then typed onto the Official Bankruptcy Forms by the attorney’s secretary or paralegal using automated bankruptcy form software, such as we provide. The forms are then signed by the client and sent to the bankruptcy court. About 4-6 weeks later, the client attends a brief meeting with a bankruptcy trustee and subsequently receives a final discharge order in the mail. That’s it! The typical fee charged by a bankruptcy attorney is $1,500 to $3,500, plus court fees. If you prepare your own petition you can generally get a waiver of the court fees (form included).

Filing a Chapter 13 bankruptcy has advantages over a Chapter 7 liquidation. Unlike a Chapter 7 bankruptcy, there is not a six-year waiting period before the debtor can file bankruptcy again. Thus, with only a few exceptions, the debtor can file a Chapter 7 bankruptcy at any time after filing Chapter 13 bankruptcy. This means that if the debtor is unable to make the payments specified in a Chapter 13 bankruptcy plan, the debtor can still act to discharge debts through a Chapter 7 liquidation.

We provide you with legitimate free resources for gathering necessary information for you to complete your petition (do not be fooled by so-called "Free" and $5.00 forms). There is no way you can prepare a legitimate bankruptcy petition on-line. You need to know your creditors, the amounts owed and the status of the account. Bankruptcy petition forms are not localized, they are National. Wich means that the same forms are used by all States (save your money). We provide you with links to the free software and information you will need to use our innovative Bankruptcy software package.

Our software has been developed on our forms expertise, user assistance and state of the art applications with free user fillable interface. To use our software you will need to have the following free applications installed on your computer, you probably already have them: WinZip for unzipping the files downloaded to your computer. Adobe Acrobat Reader ( new 9.0 ) for completing, printing, saving and e-mailing your documents.

Please continue to view this entire site for all of the information you need to make your final decisions for your self help bankruptcy petition for the official bankruptcy law forms package, preparation services and information.

You can do it and we can help!