Filing Bankruptcy Form.com

Use this FREE "Do it Yourself" Bankruptcy Site to see if filing bankruptcy is the right solution to solving your personal debt problems. In about 30 minutes or less you can decide if filing bankruptcy is right for you!

Filing bankruptcy is perhaps the most difficult decision you'll ever make! I'm sure you have many questions about filing bankruptcy. Questions like, "Am I qualified to file bankruptcy" , "How hard is it to file on my own bankruptcy", "How much does it cost" and the most important question of all; "Can I file my own bankruptcy without an attorney?" Get answers to these questions and over 40 more with our in-depth FAQs. To learn more about bankruptcy, select a chapter link below that fits your situation and see if bankruptcy is right for you.

FREE Official Bankruptcy Forms Download all the official forms necessary for filing your own bankruptcy.	Bankruptcy FAQ Answers to the 40 of the most frequently asked bankruptcy questions (FAQ) on discharges, exemptions and costs.	Bankruptcy Index Provides links to all pages on this site; useful for quickly locating specific information or pages.
Chapter 7 You DO NOT repay your debt! Provides an "automatic stay" to STOP and, legally block collectors and creditors from contacting you!	Cut Credit Card Debt Learn 9 specific and simple ways to reduce your credit card debt.	Bankruptcy - What really happens? Learn about chapter 7 which is the most common and wipes out your debt and Chapter 13; the repayment plan.
Chapter 11 For reorganizing business debts! Petition may be filed by you or your creditors may file an involuntary petition against you.	Fraudulent Transfer Acts Transferring certain assets to others may be fraudulent if you do so with the intent to hinder, delay, or defraud any creditor.	Nonprofit Debt Counseling & Management provides immediate help Debt Consolidation, Debt Negotiation and Debt Settlement programs. FREE, NO Obligation Information! Learn more here...
Chapter 12 For family farmers under two categories: (1) an individual or individual and spouse, and; (2) a corporation or partnership.	Does your heart stop every time the phone rings? Are you afraid to answer the phone at home and at work? Do you dread opening the mail? Are you being called by debt collectors who use abusive language to bully and intimidate you? The you need this book for Dealing with Unfair and Illegal Debt Collection Tactics! Learn more...
Chapter 13 For individuals who desire to repay their debts for less than they owe. Also offers the "automatic stay"!

If you're facing a financial crisis, a local bankruptcy attorney can help you determine whether Chapter 7 bankruptcy or Chapter 13 bankruptcy might be the right answer for you.

Chapter 7 bankruptcy or liquidation, is more common and is intended to wipe the slate clean by discharging unsecured debt-debts like credit card debt, medical bills, old utility bills, unsecured personal loans, etc.) Most chapter 7 bankruptcies can be completed within just a few months. In a Chapter 7 bankruptcy case, the trustee can liquidate (sell) non-exempt assets to pay creditors, but most people who file for Chapter 7 bankruptcy don't have any non-exempt assets, and so are able to keep their property while eliminating unsecured debts.

Chapter 13 bankruptcy, on the other hand, is intended to give a debtor time to catch up past due payments over a period of 3-5 years, while keeping secured property like houses and cars. Chapter 13 bankruptcy is often the solution of choice for people who have a lot of secured debt, such as car loans and mortgages, and want to keep the property that serves as security for the loans. In a Chapter 13 case, the debtor enters into a repayment plan that allows 3-5 years to catch up on past due payments

Thinking about filing bankruptcy?
If so, you're probably looking for answers to a few simple questions like, "Do I qualify to file bankruptcy?" or "Does my spouse have to file?" or "Will filing for bankruptcy stop debt collectors from harassing me?" or "How soon can I file?" to name just a few.

If you're like me, you probably can't afford to pay attorney consultation fees just to get the answers you need. That's why this site is free! I want to help you make an informed decision.

Although I've provided a wealth of FREE information that will answer most of your questions, let me be perfectly clear here; filing bankruptcy should be your last resort ! You always have the option to file yourself or hire an attorney but BEFORE deciding you should arm yourself with as much information as possible. You especially need to know the difference between Chapter 7 and 13 because they offer very different forms of protection.

I always recommend consulting a bankruptcy attorney before deciding what to do!

To find out if bankruptcy is right for you, use this FREE Legal Evaluation from a local bankruptcy attorney to help you decide.

A local bankruptcy attorney can help you understand the differences between Chapter 7 bankruptcy and Chapter 13 bankruptcy, so that you can make an educated decision about the best next step for you. Fill out the form above for a FREE bankruptcy case evaluation.

IMPORTANT: A change to the bankruptcy law, effective October 17, 2005, requires credit counseling from a government approved organization sometime within the six month period before filing for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy

Why is this bankruptcy site absolutely FREE? If you are wondering why anyone would offer so much bankruptcy information free? The answer is simple. I was in your shoes once and remember how it feels to panic every time the phone rings because I just knew is was a debt collector!

Back then I thought filing bankruptcy was my best option for getting out of debt and for getting a fresh start in life. However, I wasn't sure so I called attorney after attorney trying to get answers to a few simple questions. Every lawyer wanted a fee first and of course I couldn't afford that so, I started researching the bankruptcy laws and, after several months I not only had the answers I needed, I learned along the way that filing bankruptcy is not always the best answer. There are a lot of issues to considered before filing...most of them are are provided on the chapter-specific bankruptcy pages on this site.

Using my research, I've provided in-depth explanations of bankruptcy chapters 7, 11, 12, and 13 with an extensive list of frequently asked questions (FAQ) plus a list of state and federal bankruptcy exemptions along with a list of the advantages and disadvantages of filing bankruptcy. You'll discover how much it costs to file each bankruptcy chapter and where to file with my state-by-state listing of all federal bankruptcy courts. On this site you'll quickly learn how the bankruptcy process works and why you do not always need a lawyer to file bankruptcy but it's highly encouraged!

SPECIAL NOTE: The Bankruptcy Reform Bill was passed in 2005 and it dramatically changed the consumer bankruptcy laws. Although most people are still eligible for relief under the new bankruptcy laws, the new laws are considerably more complex so it's wise to consult with a qualified bankruptcy attorney to see if you qualify. Get a FREE legal evaluation from an experienced bankruptcy attorney

CAUTION! Filing Bankruptcy is not always the best choice! It should only be pursued after careful consideration of all alternatives to bankruptcy. Because the new Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires consumers to receive credit counseling before being allowed to file bankruptcy...options such as nonprofit debt consolidation, consumer credit counseling and debt consolidation loans should always be considered first because they do less damage to your credit! Click here for options before making a final decision...

Thousands Have Filed Bankruptcy Who Never Thought They Could

If you've got a pile of debt, a sinking self esteem, a ringing phone, and a lot of stress...then bankruptcy might be your best option...

But, it's important to know that the typical bankruptcy consists of over 40 pages, all written in legalese, which even some attorneys find confusing. You must list on the bankruptcy forms all debts, income, property, exempt and nonexempt assets...this part can be quite intimidating.

You'll find plenty of bankruptcy kits, bankruptcy forms and on-line bankruptcy software and each of these serve a very real purpose however, most of these options leave you on your own with no one to check your math or make sure you file the right forms for your situation.

If your bankruptcy paperwork contains any mistakes or you forget to include information, you run the risk of having assets taken away that should have been exempt.

If you have assets (home, cars, land and so forth, then it's in your best interest to consult with a bankruptcy attorney. If you're broke and have no assets to worry about then you can probably file your own bankruptcy however, it's still a good idea to have a legal professional look over your petition. Afterwards, you can still file yourself and save hundreds, maybe even thousands of dollars in legal fees but you'll also have peace of mind knowing your petition is correct. FREE on-line Bankruptcy Assessment

Filing Bankruptcy Form.com

Use this FREE "Do it Yourself" Bankruptcy Site to see if filing bankruptcy is the right solution to solving your personal debt problems. In about 30 minutes or less you can decide if filing bankruptcy is right for you!

IMPORTANT: A change to the bankruptcy law, effective October 17, 2005, requires credit counseling from a government approved organization sometime within the six month period before filing for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy

Thousands Have Filed Bankruptcy Who Never Thought They Could

If you've got a pile of debt, a sinking self esteem, a ringing phone, and a lot of stress...then bankruptcy might be your best option...