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Filing-Bankrupt.com is your premier source for the new official data enabled (smart) basic Bankruptcy Law Forms package legal and valid for use in all 50 states...
Contrary to what some lawyers try to have you believe, by law you do not need a lawyer to file for bankruptcy protection!
 You can file your own papers with the court (which is called a petition). However you must use the official and newly revised forms as of 10/05 in order to do so. These forms were finalized April 6, 2006. They have also been updated as of 1/2008.
The new forms not only require that you complete your data enabled forms on a computer you must also have an internet connection (which you obviously do).
File Bankruptcy Yourself
Filing bankruptcy can relieve the stress you are feeling due to not being able to pay your bills. The average bankruptcy filer has an income of just $24,000 a year and has lost significant income due to either a serious medial issue, lost employment or divorce. Bankruptcy doesn't have to be embarrassing, it can give you a new start. When you file bankruptcy, creditors will immediately stop calling and mailing you, so you can concentrate on getting your life back together.
What is involved in the new bankruptcy laws? Can you still file yourself? YES!
The new bankruptcy laws have basically two areas that you now have to complete in addition to the old paperwork. The first is Means Testing.
What is Means Testing?
It is simply comparing your income and family size to the averages in your area. If you make less than this average, it is said that "The presumption does not arise." Simply put, that means you are probably not hiding lots of money and filing bankruptcy to get out of paying debts that you can actually pay. If your income is more than the average, then you continue on with the form and input all of your expenses, such as food, housing, car, healthcare, etc. After taking into account all of your expenses, if you are still making too much money, the courts will likely force you into a Chapter 13 repayment plan.
Financial Management Course
The other step to filing bankruptcy now is the mandatory credit counseling. This requirement isn't as hard as it seems and can be waived. It's a simple 90 minute seminar, you do not have to take a test or anything. It's really just a ploy by the credit card companies that paid for the bankruptcy reform to get one more chance to convince you to not file bankruptcy. As with 99% of all bankruptcy filers, you wouldn't be filing if you weren't in serious trouble and could actually repay your debts.
So, can you still file yourself?
Absolutely! The bankruptcy laws have not changed this, you can still represent yourself in the bankruptcy court and save yourself hundreds if not thousands of dollars. The additional paperwork is not that obtrusive, although it is lengthy, but that's why we are here to prepare it for you!
Do not be fooled by ads offering bankruptcy forms for 5.95. They are only offering what you can get for free. It is just one form, when there are approximately 11 forms to file (depending upon your particular filing). In addition after you print them out, you have to complete them by hand or typewriter, you will not be satisfied! --Which is not acceptable.
Filing for bankruptcy is not an easy choice, but it is a viable choice. You can do it and we can help. This self help bankruptcy forms package is for the petition of Chapters 7, 11, 12 and 13. If you are not comfortable with completing the forms yourself, you can download the file and send/take to someone who will complete the forms for you, such as a paralegal or contact us.
The forms in this package are not only 100% compliant with the new regulations, they are also instructional and secure. They are easy to use, smart, accurate and you can file these forms electronically where available. And if all that was not enough, this bankruptcy forms package even does the math for you! These qualities and moderate pricing is what makes Filing-Bankrupt.com the premier source for you.
Included in your bankruptcy petition package: Notice to Individual Consumer Debtors, Voluntary Petition, Notice of Commencement of Case, List of 20 Largest Unsecured Creditors, Schedule A: Real Property, Schedule B: Personal Property, Schedule C: Property Claimed as Exempt, Schedule D: Creditors Holding Secured Claims, Schedules E/F: Creditors Holding Unsecured Claims, Schedule G: Contracts and Leases, Schedule H: List of Co-Debtors, Schedule I: Debtor's Income, Schedule J: Debtor's Expenses, Statement of Financial Affairs, Debtor's Statement of Intention, Application for waiver and Order to waive filing fees.
VIEW A DEMONSTRATION OF THE FORMS PACKAGE HERE
The Bankruptcy Courts require a creditor mailing matrix to be included with your petition filing. You can get our software application and templates here.
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