Bankruptcy Means Testing

The best way to file your bankruptcy is to have it done Full Service for you.

NOT online software!!!

The new bankruptcy law, among other things, introduces a bankruptcy means test as a determinant of qualification to discharged debts. For chapter 7 bankruptcy, if you pass the bankruptcy means test, it is presumed that your bankruptcy is not abusive but if you fail the means test, it is presumed that your bankruptcy is abusive.

The bankruptcy means test is austere and the calculations are too numerous and detailed to be done by hand but that does not mean that one computer performed means test is as good as the other. It is like saying that one attorney is the same as the next bankruptcy attorney. On the contrary, if you are on the borderline, it makes a difference how the bankruptcy means test and the necessary documentation are done.

We recommend that your means test be done at free means testing. Free Means testing is a BAPCPA means testing facility suitable for client screening. If you are an attorney, encourage your clients to take the means test before retaining your services. It will save you time and money by ensuring that you handle only qualified clients. We usually have our customers to have their bankruptcy means testing done there if they are unsure as to filing.

We also provide bankruptcy means testing on our paid site.

Filing bankruptcy online is about having your bankruptcy forms prepared professionally and hassle free for you. The biggest problem with filing bankruptcy is having all those forms prepared with all the complicated bankruptcy laws to consider. If you were to try to file your 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 bankruptcy forms have almost doubled in size.

Also, 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 bankruptcy online with our services, you do not need to worry about all the bankruptcy forms or all the bankruptcy laws required to discharge your debts. We also handle the bankruptcy means testing for you. You only need to have us take your bankruptcy data and prepare all the bankruptcy forms so that all you need to do is sign them.

We have prepared well over
15,000 bankruptcy cases and more than
225,000 bankruptcy documents.

We have the experience to handle yours.

When filing bankruptcy, you need list your debts and they may include credit cards, mortgages, medical bills, and a lot more. In short the bankruptcy court wants to have a detailed picture of your financial situation. If you have never filed bankruptcy before, how are you going to know what to do? When answering the questions on the bankruptcy forms how do you know if a specific answer will help or hurt? Further, how do you perform the bankruptcy means test by hand? That is where we come in.

Preparing your 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.

With the added complexity of the new bankruptcy law, and the new bankruptcy means test, you cannot afford to chance it by using paper bankruptcy forms or even bankruptcy software. First, if you have never filed 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 bankruptcy by having us prepare your professional quality bankruptcy and bankruptcy means test today. When you file 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 online software system, but times have changed and these are not the good old days. The bankruptcy kits cannot do the bankruptcy means test for you.

Take a look at the 87 questions of the 6 page bankruptcy 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 an attorney.

We prepare 100% of everything you will need to file bankruptcy online
100% online in just one day or less

All you do is sign your name and file it.

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Before You Start Filing 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 bankruptcy with an online bankruptcy software then the best ones are Guaranteed Bankruptcy and Verant Bankruptcy. Filing bankruptcy with them is no where as easy as filing bankruptcy 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 bankruptcy expert, and no bankruptcy software is going to change that.

A better comparison for filing bankruptcy online would be DebtorAid Online Bankruptcy and Zmt Bankruptcy Filing, the two most popular Full-Service bankruptcy filing companies. We include bankruptcy means test in every bankruptcy we prepare.

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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