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Do You Need a
Bankruptcy Attorney?
The best way to file your personal bankruptcy is to
have it done Full Service for you.
NOT
online software!!!
Bankruptcy
Attorneys
The clear answer for if your are filing personal bankruptcy is no. No you do
not need a
bankruptcy attorney or lawyer. Personal bankruptcy is mostly administrative
in nature. There is no plaintiff and no defendant and so it is not an
adversarial legal system. If you want to hire a bankruptcy attorney you
certainly can but in the long run that money could better be used to pay your
bills or pay down your debts.
Our bankruptcy will stop the creditors from calling or bothering you right
away. You do not need to pay hundreds of dollars to a bankruptcy attorney to
answer your collection calls.
You do not need to contact the creditors or to send them letters. We see to it
that your bankruptcy documents have everything that the court clerks will need
to send the notices for you. (It is about time the bureaucrats worked for you.
Sit back and let them contact your creditors for you, telling them to leave you
alone.) Many
bankruptcy lawyers tout that they will send letters to your creditors for
you where in fact it is the bankruptcy court that sends the creditor letters.
Please note that if you use bankruptcy software or paper forms, you run the risk
of screwing up vital parts of it and then being asked by the court to manually
contact the creditors yourself. We usually complete the documents in a few hours
not days. If you hire a
attorney attorney or paralegal, be prepared to wait a couple of weeks to get
your papers back.
We can complete your bankruptcy in
one day or in just a few hours.
And we back it with a
200% money-back guarantee.
Imagine going to a doctor and being told to operate on yourself. That is
pretty much what happens with almost all the
bankruptcy attorneys, paralegals, and bankruptcy lawyers. They make you fill
out 30 to 40 pages of the same bankruptcy forms that they are supposed to type
for you, just so that they can have the information in an easy to retype form.
(The thought of it is just unsettling.)
Perhaps the most notable part of it all is that they unanimously said that
they were very happy that they did not waste their hard earned money on hiring a
bankruptcy attorney to go to the hearing with them.
If that sounds strange, it is because at the bankruptcy hearing...
- You cannot be represented by any attorney in the usual sense. A
bankruptcy attorney can accompany you there but he or she cannot take your
place or talk for you. You must appear in person.
- If you appear with an attorney, he or she is not allowed to speak for you.
You must answer the one or two easy questions that you will be asked.
- So here is the picture. You pay many hundreds of dollars for an attorney
to show up at the hearing with you. When you get there, the attorney only
reads his or her name into the microphone, sits down and is done. He or she
cannot answer any questions for you or even tell you what to say. The trustee
asks you, "are you sure that you want to go through with it and is the
information on your documents correct?" You answer yes to both questions and
you are done, PERIOD.
- In fact, in some situations, you are better off going to the hearing
without an attorney even if you can get one for free. That may sound radical
but it is backed by eyewitness accounts of some debtors.
You can either hire a bankruptcy attorney and pay lots of money to file your bankruptcy
or you can file your bankruptcy online. Filing
online
personal bankruptcy does not mean that you file it from your browser. It means
that you can have us prepare all the personal bankruptcy forms from the convenience of
your web browser.
We call it
online
personal bankruptcy because you submit your personal bankruptcy information online and
you receive back your completed personal bankruptcy forms online. (Bankruptcy
lawyers cannot handle your bankruptcy filing online.) But it does
not stop there. Our personal bankruptcy is prepared full-service, not by
personal bankruptcy software or by bankruptcy kits.
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The biggest problem with filing
personal bankruptcy without a lawyer or a full-service company like ours is having all those forms prepared with all the complicated
personal bankruptcy laws to consider. If you were to try to
file your
personal bankruptcy using
do-it-yourself bankruptcy forms, you would be stopped by your lack of
experience, and even if you have done this before, under the new bankruptcy
laws, discharging your debts has become so much more complicated. Add to that
the fact that the
personal bankruptcy forms have almost doubled in size.
Also, chapter 7 bankruptcy law now requires you to use data from several government
data bases in order to show that you even qualify. This is referred to as the
bankruptcy
means test. When filing personal bankruptcy with our services, you do not need
to worry about all the
personal bankruptcy forms or all the
bankruptcy laws required to discharge your debts and you do not need to pay
a bankruptcy attorney. You need to have us
take your persoal bankruptcy information and prepare all the bankruptcy forms
without a bankruptcy attorney so that all you
need to do is sign your name and file them.
When filing personal bankruptcy online, you need list your debts and they may include credit
cards, mortgages, medical bills, and a lot more. In short the federal bankruptcy court
wants to have a clear picture of your financial situation. If you have never
filed personal bankruptcy before or if you cannot afford a bankruptcy lawyer, how are you going to know what to do? When answering
the questions on the official bankruptcy forms how do you know if a specific answer will
help or hurt? That is where we come in.
Preparing your personal bankruptcy using
bankruptcy software, including the so
called "online bankruptcy software", is just plain uninformed when compared to
having it done Full-Service for you by an expert
or by an attorney if you can afford them.
With the added complexity of the new
bankruptcy law, you cannot afford to chance it by using paper
bankruptcy forms
or even personal bankruptcy software. First, if you have never filed personal bankruptcy before, it could take you weeks
to get the paperwork together, but more importantly, if you mess it up
seriously, the bankruptcy court could order you to re-file in six months and by then you
would be filing under the new laws.
You avoid the hassle and the waste of time when
filing personal bankruptcy by having us prepare your
professional quality chapter 7 personal bankruptcy today or hire a bankruptcy
attorney. When you
file personal bankruptcy with us, there is no chance of its
being kicked out or of your being asked to file again in six months. Our work is
full service, not do it yourself.
It is tempting to use one of those $15 forms packages or the
do-it-yourself bankruptcy software
downloads or even an personal bankruptcy software system, but times have changed and these
are not the good old days.
Take a look at the 87 questions of the 6 page means test alone and no one
will have to convince you that you cannot do it yourself with forms or software
kits. It can only be done by a full service company or by a bankruptcy attorney.
We prepare 100% of everything you will need to for personal
bankruptcy
100% online without a bankruptcy attorney in just one day or less
All you do is
sign your name
and file it.
Before You Start Filing Personal Bankruptcy and Before you select a
Bankruptcy lawyer, Compare And See Why We are Better
In any business, the best companies do not mind if you check out the
competition first, because they know you will better appreciate their services if
you have shopped around. The same applies with us.
If you insist on filing personal bankruptcy with a
personal bankruptcy software then the best ones are
Guaranteed Bankruptcy and
Verant
Bankruptcy.
Filing
online without bankruptcy attorney with them is no where as easy as filing personal bankruptcy online with
our service because we are full service and they are not.
They charge between $170 and $200 but that does not amount to much. Why? Because in the end, it
is still only
bankruptcy software and that means, do-it-alone.
You are not a personal bankruptcy expert, and no
bankruptcy software is going to change
that.
A better comparison for filing chapter 7 or chapter 13 bankruptcy online would be
DebtorAid
Personal Bankruptcy and
Zmt
Personal Bankruptcy
Filing, the
two most popular Full-Service
online bankruptcy
filing companies. You can decide to hire a bankruptcy lawyer.
We offer services similar to theirs but for a lot less.
 We
do not sell blank forms.
We do
not sell software.
We do
not sell kits.
We do
not sell templates.
Full Details
To learn more about filing bankruptcy
online with our services, click any of the links below.
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