YOUR
BANKR UPTCY
Store
Document Aid
Document Aid

The Top Rated Bankruptcy
Site Brings You

Free $100 Bills

Just about! If they were giving away free $100 bills at your doorstep would you get yours? We offer many free benefits valued at over $300 with our bankruptcy products but many do not take advantage of them. Here is a partial list.

Free Ask-a-lawyer | Free court fee waiver - this alone saves almost $400 | Free inclusion of spouse | Free unlimited creditors | Free unlimited assets protection | Free live-demo | Free credit report access | Free credit restoration information and more. Worse yet, some people blindly pay for worthless blank forms from slick $49 sites rather than download them for free. Here are our products.

How Chapter 13 Do It Yourself Bankruptcy Works


Chapter 13 bankruptcy is essentially about repaying debts, not discharging them as in the case with Chapter 7 bankruptcy. 

Chapter 7 is generally the best type of bankruptcy for most consumer debts whereas chapter 13 is suitable for only a few people. The following is an outline of how chapter 13 bankruptcy filing works.

Chapter 13 bankruptcy is most often the wrong type of bankruptcy for a lot of people. 

It is estimated that 90% of all chapter 13 bankruptcies end up failing and being dismissed

* Chapter 13 Prolongs The Pain

A lot of people file chapter 13 for the wrong reasons. They mistakenly believe that chapter 13 bankruptcy is the responsible way to go. They think that they are morally obligated to repay the debts under chapter 13.

Chapter 7 Bankruptcy ends the pain of debt immediately but chapter 13 prolongs it for a long time.

Most people who file chapter 13 bankruptcy fail to follow through with it and eventually have it dismissed and end up filing chapter 7 after all.

This is because when people are faced with crushing debt, unless the root cause of the debt burden is removed, the problem continues in chapter 13 bankruptcy. For example if a person does not have enough income to pay their debts before chapter 13, under chapter 13 they still will not have enough income to repay their debts.

* Lawyers Rip Off Chapter 13 Debtors

The second reason chapter 13 bankruptcies fail is that the system is set up to allow chapter 13 bankruptcy lawyers to rip off their clients. Here is how the system works.

Let us say that under chapter 13 bankruptcy you are scheduled to repay your debts at a rate of $1,000 per month. If you hire a chapter 13 bankruptcy lawyer, he or she will get paid first before your debts get paid.

The end result is that by the time your lawyer has gotten paid all their legal fees, you have run out of the will or the ability to continue the chapter 13 bankruptcy payments.

You may wonder how this is possible when there are chapter 13 bankruptcy lawyers advertizing fees as low as $500 to start. Their advertized teaser rates mask their real fees which usually exceed $7,000. 

They sell you on the idea that they will be representing you at a monthly fee of say, only $300 over the course of three years but they do not tell you that the trustee will pay them all of the money you give them, before they start paying creditors.

Trustees do this because they are allowed to prioritize their payouts and they prioritize their fellow lawyer cronies ahead of the creditors.

* Chapter 13 is Worse For Your Credit Than Chapter 7

The third reason chapter 13 bankruptcy is not suitable for most people is because it is worse for your credit than chapter 7.

Chapter 7 bankruptcy ends the pain immediately and allows you to begin rebuilding your credit from the day you file bankruptcy.

Under Chapter 13 bankruptcy, you cannot start to rebuild your credit until your bankruptcy is over, and that could be as long as 3 to 5 years, if it does not get dismissed before then.

During that 3 to 5 year period, lenders will not come near you because they know that everything you own is under the control of the chapter 13 bankruptcy trustee until your case is over.

On the other hand in chapter 7 bankruptcy cases, lenders will lend you money for a car loan as soon as you file bankruptcy. They do this because they know that you will not be able to file another chapter 7 bankruptcy for another eight years. 

Also, they know that with your debts discharged, you will have lots of discretionary money to repay their new loan.

* When is Chapter 13 Bankruptcy Right?

Chapter 13 bankruptcy is right when you are faced with foreclosure and you need some extra time to get caught up on your missed payments.

That is just about the only time chapter 13 bankruptcy is appropriate.

So if a person is not in foreclosure, chapter 13 bankruptcy may not be the right type of bankruptcy.

The Chapter 13 Process


The process starts out with the filing of a set of documents consisting of a petition as the main document, plus schedules which serve as addenda to it. There are also other documents in the set and they are called statements.

Like with chapter 7 bankruptcy, chapter 13 is mostly an administrative process and it is important to understand the difference between such a process and a judicial process.

Because chapter 13 bankruptcy is an administrative process, filing it does not initiate a lawsuit, and there is no adversarial relationship.

This means that you are not in trouble just because you are filing bankruptcy. It also means that unlike an adversarial process where there is a plaintiff and a defendant, you do not need to be represented by a lawyer.

It all comes down to preparing the documents properly and it does not matter who prepares them for you.

This is a very important fact worth emphasizing.

Chapter 7 bankruptcy filing is 100% about the information contained in the documents, not about whether or not it is prepared by a lawyer.

If that is the case, then what role do lawyers play in the process and why do so many people hire lawyers for chapter 13 bankruptcy?

The answer lies in judicial tradition. Court are used to lawyers representing clients and lawyers are always seeking the easy money, so the process allows for debtors to be "represented by lawyers," even though there is hardly any need for it.

The main role that lawyers play in the bankruptcy process is to advise their clients of their property rights. These property rights have to do with bankruptcy exemptions, and with collateral securing certain debts.

Right away we see that when you file chapter 13 bankruptcy, your main concern is to protect your important property, often your home.

Because chapter 7 bankruptcy filing is an administrative process, the law government provides an administrator to administer the case and that person is called a chapter 13 trustee.

The trustee's job is to see to it that the intent of bankruptcy law is carried out fairly. This very fact means that even if you are not represented by your own attorney, your estate has de facto representation. In other words, you are not alone. You are not that the mercy of your creditors.

* The Automatic Stay

Once you file the bankruptcy petition, by operation of law, an automatic stay immediately kicks in. This stay is equivalent to a federal judge issuing a blanket order to all your creditors to cease and desist from initiating or continuing any adversarial actions against you.

You get this stay the moment the court filing clerk receives your petition and issues you a docket number. It means that from that very instant, all civil lawsuits involving money or property rights come to a standstill.

Creditors and collection companies are barred from harassing you or from attempting to repossess your car, foreclose on your house, garnishing your pay check or taking any hostile actions against you.

* Notifying Creditors

When you file chapter 13 bankruptcy, the court clerk has the responsibility of notifying all your creditors in writing of the commencement of your case. 

They do so using a creditor mailing list that you provide to them as part of your chapter 7 bankruptcy documents package.

Note that you do not need to hire a lawyer to get the creditors notified. The court clerk does that for you.

* Credit Counseling

Under the new bankruptcy law, you are required to take a credit counseling class before you file the petition, unless you have a real emergency.

If you have an emergency such as a foreclosure, you are required to take the counseling class right after filing the petition. 

It is generally best to have your bankruptcy forms prepared before taking the counseling class since the certificate you get from the counseling class has an expiration date.

* Amendments

You do not have to have all of your information in order to file the petition. If you have an emergency, you can file an emergency petition without the schedules, and then amend the filing by filing the missing documents as an amendment.

You can also use the amendment filing process at anytime during your case, to make changes to the documents. This includes adding creditors that you inadvertently omitted.

So as you can see, you can file your bankruptcy today and worry about perfecting it later.

* The Creditor Meeting

Approximately four weeks after filing the petition, you required to attend a meeting of creditors. It is also commonly referred to as the trustee meeting or the 341(a) hearing.

For chapter 13 cases, the meeting of creditors does not actually involve any meeting. There are no creditors at the meeting and they do not get to grill you there.

The creditors meeting serves mainly for the trustee to inform you of your bankruptcy rights and to make sure that you know what you are filing bankruptcy voluntarily.

If you were misled into filing bankruptcy, you can use the creditor meeting as the opportunity to bow out of your bankruptcy filing.

The hearing usually last for under a minute unless you want it to last longer, which would be the case if you have lots of questions for the trustee.

Most people let their documents talk for them and they usually prefer to be done with it very quickly.

If you have a lawyer with you at the creditor meeting, he or she cannot represent you in the usual sense. You must appear there in person and you must answer the trustee's questions with your own mouth, unless you have a medical or physical or mental incapacity.

What sort of questions does the trustee ask?

The trustee will first inform you of your rights and then they will ask you if the information in your documents is truthful. Typically they will follow it by asking you if the facts in the documents have changed since you filed the forms. That is usually all there is to it.

In fact most debtors are surprised how easy the process is, once it is over. Those who hired a lawyer are often disappointed with themselves for doing so in the first place, particularly when they see so many other debtors sail through the hearing easily.

It is important to note that a lawyer is not allowed to speak for you at the trustee hearing. They just cannot.

* Why Creditors Do Not Show Up at The Meeting

The hearing is called as creditor meeting because it the concept is carried over from business chapter 11 cases, where creditors do show up. These are creditors who are often owed many millions of dollars by the bankruptcy business corporation.

In consumer chapter 7 cases, creditors do not show up because this hearing is mostly a formality required by law.

This does not mean that you will not find a representative for a major credit card company among the crowd of onlookers. Such representatives wait until your hearing is over and as you try to exit the building, they give your their business card and ask you to cal them if you what to reaffirm a debt or if you want them to still extend you credit in spite of your chapter 7 bankruptcy filing.

* Repaying The Creditors

Chapter 13 bankruptcy uses all of the same documents as chapter 7 bankruptcy, except for the repayment plan.

Since the purpose of chapter 13 bankruptcy is to repay the creditors, there needs to be a repayment Plan. The Plan, as it is called, sets forth the schedule of payments that you will make through the chapter 13 bankruptcy trustee to the creditors.

Unlike for the rest of the chapter 13 bankruptcy forms that are mandated nationwide, there is no repayment Plan form that is mandated for use nationwide. Each federal bankruptcy district is free to adopt its own local form for the repayment plan. Some districts elect not to define a repayment plan form and leave it to the debtor to create whatever document they want to use to describe the repayment plan.

Repayment plans can run from 3 to 5 years.

Generally, the debtor makes their regular monthly payments directly to the creditors as usual. These payments are not included in the repayment plan.

The repayment plan focuses only on the funds that will be channeled through the trustee to the creditors. These funds are mostly for repaying arrearages or missed loan payments but can also include unsecured debts.

Let us say that you have a mortgage and your regular monthly payments are $2,000 per month and let us assume that you have missed 6 months of payments, for a total arrearage of $12,000 (6 X $2,000 = $12,000). You would pay the regular monthly payment of $2,000 directly to the mortgage lender as usual.

If you elect to repay the $12,000 in missed payments over a 36 month period, your monthly plan payments through the chapter 13 bankruptcy trustee will be $333 ($12,000/36 = $333), plus trustee administrative fees.

* The Trustee's Administrative Fees

Chapter 13 bankruptcy trustee get paid for their service by collecting a percentage of all the moneys that are paid through them. Their fees range from 4% in some districts, to 10% in other districts.

* Repaying Unsecured Creditors

Your repayment plan may also include payments to unsecured creditors such as medical bills and credit cards. This will depend on income and expense calculations in the bankruptcy filing.

You also have to pay your lawyer through the trustee and as we mentioned above, many chapter 13 bankruptcy lawyers use this opportunity to rip off their clients.

You can see how this repayment business can quickly get out of hand. This is one of the main reasons most chapter 13 bankruptcy cases get abandoned or dismissed in the first year.

If you are eligible to file chapter 7 bankruptcy, it is easy to see why it is the better route.

* Confirmation Hearing

In addition to the creditor meeting, there is also a confirmation hearing for chapter 13 bankruptcy cases. The purpose of the confirmation hearing is for the judge to review and approve your repayment plan.

It is important to note that a chapter 13 bankruptcy repayment plan is only a proposal. The repayment plan you propose to the court will almost certainly be modified by the judge, based on actual data from the secured creditors regarding the arrearages.

This is good because, except where the debtor does not have enough discretionary income, the chapter 13 bankruptcy will not be dismissed at this point if your plan is not acceptable. In such as case, the judge will modify the plan to something that is acceptable.

* The Budgeting Class

After your creditor meeting, you are required to take a short budgeting class. This class is aimed to helping you learn how to manage your finances so that you do not run into financial problems again.

As with the initial credit counseling class, it usually costs a few dollars and can be taken online or by phone from any of the many class providers who advertize online.

We provide our customers a list of all the class providers for their convenience.


* Bankruptcy Exemptions

One of the duties of the chapter 13 bankruptcy trustee is to see if you have too much equity in your assets and to liquidate those assets and use the proceeds to repay creditors, in the event that you decide to discharge some debts rather than repay them.

The vast majority of consumers do not have to worry about that because they do not have equity in excess of the allowed limits. These allowed limits are called Exemptions.

Exemptions set forth the limits of equity you are allowed to keep for each category of asset. These limits are very generous, so most people have no risk of losing anything to the trustee.

These limits make sense considering that it would not be fair for a multimillionaire to file chapter 13 bankruptcy and to keep millions of dollars in cash or to kept their private yacht. But for the average consumer, that is not the case.

When you choose our full-service bankruptcy preparation, you do not have to sweat over exemptions since it is integral to product. We have you covered.

* Ask and Attorney

As you know by now, we are not lawyers and nothing on this site is intended to imply that we are. But that does not stop you from getting your legal questions answered by licensed lawyers. If you need legal advice, you can take advantage of our ask-an-attorney option. Be sure to read more about it from our vertical navigation link to the right.



Chapter 7 Bankruptcy Review Sites

You can also visit the top bankruptcy review sites listed below, to see what others are saying about us.

Chapter 7 Online Bankruptcy Reviews

Online Bankruptcy Reviews

Compare Our Bankruptcy Products

Product Features Genuine
Software
Managed
Software
Full
Service
 
Bankruptcy Software
Chapter 7 and chapter 13
Includes 100% of the official bankruptcy documents, fully court-ready
Documents are always up-to-date
You can perform a free Live Demo
Documents are valid in all 50 states
Complies with all federal and state bankruptcy rules
Covers joint filing at no extra cost
Flat fee pricing with no hidden fees
Use it online. Nothing to install
Guaranteed court acceptance
Free ask-a-lawyer included
Free credit report access
Includes the court filing fee waiver documents, so you don't pay the court fee if you earn low income
Full customer support
Managed Bankruptcy Software
Includes all the features of the Managed Bankruptcy Software
For Managed Software - Our experts review the bankruptcy information that you enter in the software before you print and file - saving you from potentially catastrophic damage to you case. Any beginner filing using any bankruptcy software is likely to make serious errors that will go unnoticed until it is too late. The expert review catches the errors before they become problems
Full-Service Bankruptcy only features - Our Experts prepare everything for you and review it all as well as guarantee it.
Our bankruptcy experts prepare the bankruptcy for you so your discharge approval is a certainty
There is no software to worry about since we do it all for you
You do not need expert review as an add-on since the documents are prepared by the actual experts
You submit your bankruptcy information to us online from your browser whenever you want, day and night
You can take your time giving us your information, so you do not have to give it all to us at once
You can modify the information that you submit to us as often as you like and at any time, until we have prepared the documents.
We return the finished documents to you from a link on our secure customer-only site
Your documents will be ready usually in just a few hours and never more than in one day
Our finished documents are complete and ready to file. All you do is sign your name and file them
If you need to amend your bankruptcy after you have filed or after your discharge, we can help arrange it
We also provide you information that will help prepare you for the trustee meeting at no extra cost
Unlike with software, under our full service, we take responsibility for your bankruptcy filing
For your peace of mind we back our work up with a full money-back guarantee
Full-service is the absolute best way to have your bankruptcy done. It ensures that your bankruptcy goes smoothly and that you discharge the most amount of debt possible.

 

Live-Demo | Product Info | Comparisons

You saved my life

You saved my life... I kid you not. {...} We were in a desperate situation, we couldn't afford a lawyer, we ran out of options and then I found your site...
I wanted to take a moment to thank you for this great site. You saved my life and my family... I kid you not. It was last winter. the ice storm knocked out the power for a few days and just like that, my husband was out of a job. We were in a desperate situation, we couldn't afford a lawyer and we ran out of options and then {...}  With four mouths to feed and nothing coming in, they cut the utilities and then repossessed our only car. We sent the kids off to grandma and tried to tough it out and then the eviction notice came. We had paid our rent on time for years but the management company did not care. 

To make a long story short, we went to see a lawyer and he did not want to hear our sob story. Needless to say, we couldn't afford him. He actually chuckled when I asked if we could file now and pay him later. As we left the office I was in tears and then his secretary ran out to us in the parking lot and handed me your web site scribled on a stickit note. That is how we found you. {...}

I was such a nervous wreck and my husband Craig, it was as if a truck had run him over so he was no help. I knew I couldn't do it myself not even with software so I went with full service. I usually do not buy anything off the internet but the price was right and seeing as you were recommended I just went for it. {...} 

Everything went smooth as you said it would... When it can time for the trustee he asked why our lawyer was not in court with us and we said we didn't have one. He said, "very good" and that was it. It was an awesome feeling I wasn't missing anything. We did not have to come back again as many other people with lawyers had to. We are so greateful that we found you and that it was all legit no hidden fees or scams. Truthful and caring which was what we so needed.

You know, a lot of people take good service for granted and do not come back to say thanks... but after what happened to us and after what you guys did for us, I did not want to be one of those people. I just had to say thank you. I hope you can find some little spot on your site to put this so that others can know that if we could get out of our situation, so can they. Thanks again.

Sandra K - Maine


Live-Demo

Start with the live-demo


Please click the live-demo button before continuing with the web site.

Only a live-demo can ensure that you are paying for real bankruptcy software, not blank forms like all other software sellers.
The live-demo takes your information and creates the bankruptcy petition form in realtime. The idea is to demonstrate that there is no hide and seek as is the case with other so called bankruptcy software.

It is difficult to create real bankruptcy software so a few web sites cheat. They simply download the free bankruptcy forms off the court web sites and re-brand them as bankruptcy software and then sell them to unsuspecting people for $49.

These fake software sites look authentic. Really! You cannot tell them from our genuine bankruptcy software. In fact these web sites look more conviencing than ours. The only way to spot them is that they do not offer a live-demo. You cannot demo something that is fake without exposing the secret. If they do not offer a live-demo then it does not matter whatelse they say.

Note that this assertion about fake software does not apply to web sites selling full-service bankruptcy services since they are hand prepared bankruptcies. You can find a list of the full-bankruptcy sites at Chapter 7 Online Bankruptcy Reviews.


Full-Service Bankruptcy

Our flagship product


Our flagship product is the full-service bankruptcy. We make no bones about it. It is the best there is.
We offer three distinct products and the top of the line by far is our full-service product. We would rather everyone purchased the full-service product but this is not because it costs more. 

Our bankruptcy software is exceptional, but full-service bankruptcy is a whole other level of product. If you insist on software, then our bankruptcy software is the only authentic software product on the market.

Under the full-service bankruptcy product --- You give us your information and we do the rest.

You can kick back
Watch TV 
Smell the roses
Sleep all day long
While we do all the work for you


Here are just a few benefits that come with our full-service product:

  • We will prepare every official Federal bankruptcy document that you will need for a 100% complete Chapter 7 or 13 bankruptcy filing.
  • These are court ready, so all you do is sign them and turn them in to the court!  
  • Joint filing with your spouse. If you are married, you can file a separate bankruptcy by yourself or you can file a joint one with your spouse for the same onetime price. Just about everyone else charges extra to add a spouse to the filing but we don't.
  • We will accept an unlimited number of creditor listings from you at no extra charge. Attorneys and paralegals will quote you one price but when they actually see that you have many creditors, their price could triple. Blast us with as many creditors as you have, 10, 20, 50, 200. It makes no difference.
  • We will accept an unlimited number of collection accounts from you at no extra charge. Say you have a medical bill that has been sent to 10 different collection companies. You can give us the medical bill and all the collection companies without fear of overloading us or of getting charged extra. Many lawyers and bankruptcy preparers limit you to the first five or ten creditors after which they hit you with a hefty price increase. Some charge as much as $20 per creditor after the first set.
  • No Forms to Fill
    No Software to Download
    No Room for Mistakes

  • Access to your annual free credit report.
  • Free ask-a-lawyer puts you in contact with local bankruptcy lawyers in your area. You can ask them an unlimited number of questions and get answers to all of them.
  • You can make as many changes as you like to the information that you give us. Let us say that you do not have all your bills ready right now. You can give us the bills that you have now and come back later and add as many more as you like prior to our preparing the documents. We will not charge you extra.
  • We can finish the documents in less than one day and, if necessary, in just a few hours. This is lightning fast when you consider that attorneys and paralegals take two or three weeks and even the so called online web sites take at least one week.
  • Ultra easy questionnaire. You give us your bills and information on the easiest online questionnaire possible. With others, you have to fill in reams and reams of questionnaire just to give them the information to work with. With our online questionnaire, if you have a few creditors, you could be done giving them to us in 10 to 15 minutes. Compare that to the several days it could take you to fill out the attorney or paralegal questionnaire. 
  • You can save the information that you give us with the click of a button. Let's say that you need a few days to gather all your bills. You do not have to wait till you have all your bills to get started. Just enter the ones that you have now and click the Save button. You can then come back days later and continue where you left off. You can even go back to the ones that you had previously entered and make changes.
  • While just about every bankruptcy web site shares a web server with hundreds of other companies, we own and maintain our own multiple redundant servers to ensure that the privacy and security of your data is never compromised. This level of security costs us many dozens of times more than what other bankruptcy web sites spend on hosting their sites, but in the long run you are very well worth it. When you hire us to prepare your documents, your information is more secure and private with us than with any attorney or web site anywhere.
  • Our privacy policy is very simple. We never ever share any of your information with anyone and we never send you span. When you hire us to prepare your bankruptcy, you get the security and privacy that  you would expect if you did it yourself behind locked doors.
  • Most important of all, we back our work with a full money-back guarantee.

You Decide What Bill To Get Rid of

When you hire us to prepare your bankruptcy, we do not dictate to you what to bankrupt. We use only the bills that you give us. Here are just a few of the debts that people turn over to us.

  • Credit card debts regardless of amount owed
  • Store cards of all types
  • Medical bills from a few dollars to many thousands of dollars
  • Medical collections
  • Auto accident debts including insurance liabilities
  • Personal loans
  • Collateral loans secured by small items like household possessions such as the ones from Household Finance or from the Money Store or from any of the many collateral lenders
  • Collateral loans secured by big items such as computers, big screen TVs, boats etc
  • Auto loans regardless of amount owed
  • Home loans regardless of ultimate disposition
  • Attorney fees
  • Judgments
  • Liens
  • You are not a bankruptcy expert
    So don't take the chance
    Let our experts do it

  • Federal taxes
  • State taxes
  • Student loans
  • Pending lawsuits
  • Threatened lawsuits
  • Closed lawsuits
  • Wage garnishments
  • Pending auto repossession
  • Deficiency on past repossessed autos
  • Eviction
  • Phone bills
  • Gas bills
  • Cable bills
  • Electric bills
  • Nonsense no-name hate bills from unknown parties aimed at making you miserable
  • Foreclosure
  • Collection accounts of all types
  • Gambling debts
  • Various unsecured debts
  • Secured debts not already listed
  • We are even given divorce related debts such as when a spouse is stuck with all the community bills, or the attorney fees of the other spouse and more
We do not decide what you should bankrupt and we do not tell you whether or not to include all or some of your credit cards. You are in control. You give us the bills you want and we go to work for you. Now, if you are not sure what is best for you, you can always call an attorney to get advice.

Here is How it Works

Select Full-Service

Select full-service


  1. Click the button above to select full service. 
  2. Go to the bottom of that new page and place your order.
  3. Log in to our secure paid-customer site after purchasing and give us your information from there. We ask for basic information such as your name and address and information on your bills.
  4. If you need your credit report, we provide you a link to get it.
  5. If you have questions for a lawyer, use the free ask-a-lawyer link on the secure site to reach them for free.
  6. Help from us is only a click away. You can contact our experts as often as you need like if you need to. We are always there for you.
  7. When you have finished giving us your information we will prepare everything for you and give them to you.
  8. All you do is sign the documents in the places we indicate and file them with the court. We provide you the court location and any other information you will need.
  9. We also provide you all the information you will need for the trustee meeting. Your meeting with the trustee lasts only about one minute and is nothing to worry about. It is mostly just a formality.
  10. A few weeks after the trustee meeting the court will send you a notice discharging your debts. It is just that simple.
It all starts with your selecting full-service to have our experts prepare everything for you.

If you decide to use software, you can select our Genuine Bankruptcy Software product. We recommended software for people who are on a tight budget and want to save every last penny.

If you are still not sure which to use, full-service or software, then visit the bankruptcy review sites to see which one they recommend. Here are the links to the review sites:  Chapter 7 Online Bankruptcy Reviews.
Product Features Genuine Software Managed Software Full
Service
  View View View
Bankruptcy Software
Chapter 7 and chapter 13
Includes 100% of the official bankruptcy documents, fully court-ready
Documents are always up-to-date
You can perform a free Live Demo
Documents are valid in all 50 states
Complies with all federal and state bankruptcy rules
Covers joint filing at no extra cost
Flat fee pricing with no hidden fees
Use it online. Nothing to install
Guaranteed court acceptance
Free ask-a-lawyer included
Free credit report access
Includes the court filing fee waiver documents, so you don't pay the court fee if you earn low income
Full customer support
Managed Bankruptcy Software
Includes all the features of the Managed Bankruptcy Software
Our experts review the bankruptcy information that you enter in the software before you print and file - saving you from potentially catastrophic damage to you case. Any beginner filing using any bankruptcy software is likely to make serious errors that will go unnoticed until it is too late. The expert review catches the errors before they become problems
Full-Service Bankruptcy only features
Our bankruptcy experts prepare the bankruptcy for you so your discharge approval is a certainty
There is no software to worry about since we do it all for you
You do not need expert review as an add-on since the documents are prepared by the actual experts
You submit your bankruptcy information to us online from your browser whenever you want, day and night
You can take your time giving us your information, so you do not have to give it all to us at once
You can modify the information that you submit to us as often as you like and at any time, until we have prepared the documents.
We return the finished documents to you from a link on our secure customer-only site
Your documents will be ready usually in just a few hours and never more than in one day
Our finished documents are complete and ready to file. All you do is sign your name and file them
If you need to amend your bankruptcy after you have filed or after your discharge, we can help arrange it
We also provide you information that will help prepare you for the trustee meeting at no extra cost
Unlike with software, under our full service, we take responsibility for your bankruptcy filing
For your peace of mind we back our work up with a full money-back guarantee
Full-service is the absolutely best way to have your bankruptcy done. It ensures that your bankruptcy goes smoothly and that you discharge the most amount of debt possible.

Compared to others web sites


We are confident that once you compare us to other bankruptcy web sites, you will agree that we are the right choice. The table below shows how we compare to the other popular bankruptcy web sites.

You can also visit the top bankruptcy review sites listed below, to see what others are saying about us.

Chapter 7 Online Bankruptcy Reviews

Online Bankruptcy Reviews

Compare Bankruptcy Sites

Product Features Our Site Competitor Site #1 Competitor Site #2
  View American Online Bankruptcy Center Mueller Bankruptcy Group
Offers Bankruptcy Software
Offers Managed Bankruptcy Software
Chapter 7 and chapter 13
Offers Full-Service
Lowest Software Price $59 $89
Full-Service price $249 $269 $299
3 bankruptcy product options
Free ask-a-lawyer included
Free credit report access