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.

Online Chapter 7 Bankruptcy Frequently Asked Questions



If you do not have a credit card, you can still purchase our products. You have the following choices.

  • Most bank debit cards also serve as credit cards. If your debit card has the Visa or MasterCard logo, it can be used to purchase from us.
  • Most major retail stores such as Walmart, all pharmacy stores and most large grocery stores sell Visa and MasterCard gift cards. These cards come in denominations of $50, $100 and $200. These gift cards are real credit cards and can be used to order from us. Visit one of the retailers and purchase a credit gift card with a limit at least equal to the price of the product that you want.
If you have decided to file bankruptcy, you should stop paying your unsecured debts such credit cards immediately, even before you file. That is common sense.
You may want to continue your car payments as well as your mortgage if you want to keep the car and house after bankruptcy.
It is always a good idea to list all of your credit cards. There are two reasons for this.

The first is that when you file chapter 7 bankruptcy all your credit card companies will know about it, whether or not you list them. If you do not list them, they will block your card and there is no way they will make a deal with you.

On the other hand if you list them, they will contact you to see if you want to keep the credit card, howbeit at a much reduced balance owing. Obviously you do not need to make a deal with them since your goal is to discharge the debt and never pay it again.

If this is a credit card that is important to you and you want to keep it after bankruptcy, that is very possible but only if you list them. 

For example if your balance on a credit card is $5,000, it is possible to have them reduced it to only $1,000.

First, the card company gets to keep your business in the hope of you running up your card balance again. For you, this gives you the convenience of having a card you can use for hotel and airline reservations. It also helps you quickly reestablish good credit.

There are certain things you can do to get the best possible reduction in the card balance after you have filed bankruptcy. We are talking about even reducing it to as little as $200, from a high of say, $5,000.

If keeping a credit card after bankruptcy is important to you, then this may be one good reason to choose our full-service product. We give all our full-service customers access to step-by-step information on what they need to do after filing bankruptcy, to get the card companies to deal with them on your own terms.

Disclaimer: Please note we are not lawyers and so we cannot give you legal advice. Further, any literature on the site is general in nature and not intended to address your specific situation, nor is it intended to recommend a course of action for you. If you need legal advice, consult a licensed attorney.

It is never a good idea to deliberately max out your credit cards as a means to rip off the credit card lenders just before filing.

If your credit cards are maxed out in the normal course of using them, that is not a problem since you did not do this in anticipation of filing bankruptcy.

However if you have already maxed out your credit cards as a way to pocket the card company's money and leave then high and dry by filing bankruptcy, there are steps you can take to greatly reduce the likelihood of problems with the card companies.

The first thing you need to do is to realize that ripping off credit card lenders is not in your best interest, and therefore know to avoid maxing the cards out even further.

The second thing to keep in mind is that delaying your bankruptcy filing does not solve the problem. A better approach is to contact the card company after they have been notified that you have filed bankruptcy and make them a proposal they cannot refuse.

Making them a proposal will not cause you to lose any of your bankruptcy rights. It merely allows you to bring their temperature down and gives you time to strengthen your hand. You can undo any proposal you make to them, thereby preserving your options.

What kind of proposal will do the job? That depends on a number of factors. 

If maxed out credit cards are an issue, this may be one good reason to choose our full-service product. Not only does this product enable you to ask licensed lawyers about maxed out cards using our ask-a-lawyer access, it gives you access to free resources that address this matter in detail.

Disclaimer: Please note we are not lawyers and so we cannot give you legal advice. Further, any literature on the site is general in nature and not intended to address your specific situation, nor is it intended to recommend a course of action for you. If you need legal advice, consult a licensed attorney.

You do not have to notify your creditors about your bankruptcy. The court clerk does that for you. That is their job.

When we prepare your bankruptcy, we include with it, a creditor mailing list with which the court clerk will notify the creditors.

Disclaimer: Please note we are not lawyers and so we cannot give you legal advice. Further, any literature on the site is general in nature and not intended to address your specific situation, nor is it intended to recommend a course of action for you. If you need legal advice, consult a licensed attorney.

Your spouse does not have to file bankruptcy if he or she does not want to.

If your spouse is obligated on a specific debt, he or she still owes the debt unless they file too, but there are ways to handle this so that they can fly under the radar.

By fly under the radar, we mean that there are things you can do to reduce the likelihood that the creditor will come after your non-filing spouse to repay the debt.

If this is important to you, this may be a good reason to get our full-service product. We provide our full-service customers informational resources that show things they can do to reduce risk of their coming after your spouse.

Note that we are not guaranteeing that they will not come after your spouse because of your ordering our full-service product. Rather we are saying that you can lower the chances of that happening by reading our free resource on the subject.

Disclaimer: Please note we are not lawyers and so we cannot give you legal advice. Further, any literature on the site is general in nature and not intended to address your specific situation, nor is it intended to recommend a course of action for you. If you need legal advice, consult a licensed attorney.

In most states, small amounts of money in your bank account can be protected with exemptions. For larger amounts, it will depend on how much you have in the account.

There are common sense things you can do to protect your money from the trustees before filing. These fall into the category of pre-bankruptcy planning.

If this is important to you, this may be a good reason to get our full-service product. We provide our full-service customers informational resources that show things they can do to mitigate that risk.

Disclaimer: Please note we are not lawyers and so we cannot give you legal advice. Further, any literature on the site is general in nature and not intended to address your specific situation, nor is it intended to recommend a course of action for you. If you need legal advice, consult a licensed attorney.

There is no reason why you cannot keep your financed vehicles if you are willing to continue making payments on them.

You can always reaffirm any debt in chapter 7 bankruptcy and that includes your car loans and mortgages.

The better question is, what can you do to not only reaffirm your car loan, but also lower it? If you are like most people, you probably owe more on your car than it is worth, so it makes sense to try to lower the balance you owe as well as the payments.

If this is important to you, this may be a good reason to get our full-service product. We provide our full-service customers informational resources that show things they can do to lower the balance owing on their car by as much as 50% or more.

Disclaimer: Please note we are not lawyers and so we cannot give you legal advice. Further, any literature on the site is general in nature and not intended to address your specific situation, nor is it intended to recommend a course of action for you. If you need legal advice, consult a licensed attorney.

There is no reason why you cannot keep you financed house if you are willing to continue making the payments.

You can always reaffirm any debt in chapter 7 bankruptcy and that includes your car loans and mortgages.
 
Pensions, retirement accounts, social security are all protected under bankruptcy. You will not lose them.

If this is important to you, this may be a good reason to get our full-service product. We provide our full-service customers informational resources that go into detail on this subject.        

Disclaimer: Please note we are not lawyers and so we cannot give you legal advice. Further, any literature on the site is general in nature and not intended to address your specific situation, nor is it intended to recommend a course of action for you. If you need legal advice, consult a licensed attorney.

The chapter 7 bankruptcy means test is complicated and is difficult for the average person to do accurately without help.

All of our chapter 7 bankruptcy products have the means test built into them, so you need not worry about it.

Passing the means test is almost a certainty for most debtors simply because the means test is generous. Secondly, like anything in the law, it has many legitimate loopholes that will allow just about anyone to pass it if they know what they are doing.

If you are concerned about passing the means test, then this may be a good reason to choose our full-service product. We provide our full-service customers informational resources that go into detail on how to pass the means test.

When you choose our full-service product, you are almost certain to meet the means test requirements. 
Bankruptcy can stay on your credit for up to ten years, but this does not mean that you have to wait ten years to reestablish good credit or to qualify for a good home loan.

Our full-service product includes information to help you rebuild your credit quickly. Bankruptcy is no longer the stigma it once was, so do not suffer needlessly under the burden of debt.
We have a detailed write-up on bankruptcy exemptions. Please click here read all about it.
The number of cars that you can keep varies from state to state.

If you have several cars and you are worried about being able to keep all of them, then choose our full-service bankruptcy product. Under that product, our trained bankruptcy experts prepare your documents, thus providing you the best results.

If this is important to you, this may be a good reason to get our full-service product. We provide our full-service customers informational resources that show things they can do to keep all their cars and trucks, no matter how many you have. 

Disclaimer: Please note we are not lawyers and so we cannot give you legal advice. Further, any literature on the site is general in nature and not intended to address your specific situation, nor is it intended to recommend a course of action for you. If you need legal advice, consult a licensed attorney.
The court filing fee is a few hundred dollars and varies from time to time. That is a lot of money to pay.

Because this is so much money, we include the court filing fee waiver documents in all of our products so that if you earn low income, you do not have to pay a filing fee.

Please read more about this from the appropriate link on this site.
Unsecured debts are debts such a medical bills and credit card debts where there is no collateral property put up by you to secure the debt.

Secured debts are debts such as mortgages, automobile loans and appliance loans where you pledge an asset to the creditor to protect the creditor in the event you cannot repay the debt.

When you purchase any of our products, we make the matter of listing your debts in the appropriate category very easy. You just point and click and it is done.
You are not expected to list all of your creditors at the beginning if you do not remember all of them. You can add more creditors later as you discover them. This process of making changes to a filed bankruptcy is called amendment.

Do not wait to file bankruptcy just because you do not remember every single creditor. In some cases, you can add creditors even after the discharge of your debts.

Bankruptcy will stop wage garnishments, except those for child or spousal support. Here is how it works.

Wage garnishments are handled by an intermediary law enforcement agency, often times the local marshals or the local sheriffs. This means that the employer does not just hand the money over to the creditor each month.

Instead, the employer turns over the garnished money from your paycheck to the sheriff or local marshal. The marshal in turn sends the money to the creditor.

After filing the bankruptcy documents that we prepare for you, you contact the law enforcement agency responsible for handling the wage garnishment and give them a copy of the top page of the petition. This is the page that has the court docket number.

The court will not notify them, so you have to do this yourself.

When the law enforcement agency receives the copy of the petition from you, they contact your employer and instruct them to stop sending your money.

If the law enforcement agency has in the possession, garnished funds from your paycheck that they have not yet send to the creditor, they will turn it over to the bankruptcy trustee who may in turn give it back to you.

If you have a wage garnishment, you will want to act quickly, not only to stop the garnishment, but to also get back some of the money they have taken from you.



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