The Chapter 7 bankruptcy process takes between three to four months to discharge (What's that mean? After 4 months-- You Are Debt Free!), you will have filing fees and administrative fees, totaling approximately $299. The process commonly requires one or two trips to the courthouse.
Your Total Bankruptcy Package and what it includes:
Tri-Merged Credit Report-- We help you to get a complete record of all debts you owe, credit cards, car loans, real estate loans, collections, judgments, tax liens, school loans, including balances, payment amounts, creditors names and their addresses-- Saves you hours in your debt investigation. Remember, any debt that you do not list on your bankruptcy, you will still owe. So it is vital that you have ALL your creditor information.
Do It Your Self Credit Repair Kit-- see credit repair. By utilizing the techniques that we include in these 2 separate Ebooks crammed with creditor busting techniques, you will be able to improve your credit rating and score, in spite of your recent bankruptcy.
Bankruptcy Information Packet--Provide answers to these basic questions so that we can properly and beneficially prepare your bankruptcy. PLUS-- Comprehensive but easy to understand information that shows how to maximize the benefits of your bankruptcy by not only eliminating debts but by reducing the amount of debt remaining on the car or furniture on which you may still owe, but want to keep.
Complete Bankruptcy Document Preparation-- Including all schedules, A, B, C, D, Statement of Financial Affairs, Means Test, etc... The completed bankruptcy petition is generally, 35 to 50 pages in length.
Cost of the Total Credit and Bankruptcy Preparation Packages--
CHAPTER 7 (FULL DISCHARGE OF DEBTS)
For a Simple Chapter 7, most attorneys charge anywhere from $1,200 to $2,000. Our Cost for a chapter 7 is ONLY $295 and to make easier on you, even that is broken up into 2 easy payments.
The first payment of $150 upon submission of your order
and the balance of $145 upon completion.
CHAPTER 13 (REPAYMENT PLAN)
For a Chapter 13 (Where a repayment plan is developed in which all debts are paid over a 3 to 5 year period), most attorneys charge from a low of $3,000 to $5,000 or more! Our cost for a Chapter 13 is only $ 800 and to make it easier on you, even that is broken up into 3 easy payments.
The first payment of $300 upon submission of your order.
$250 upon completed rough draft.
the balance of $250 upon completion of your entire petition, including your repayment plan.
There is a tendency in business to charge that which the market can bear. Oil companies do it-- so do attorneys. Attorneys can not only charge but actually get exorbitant fees-- so they do.
We on the other hand are not just Bankruptcy Preparers. We handle a myriad of services, Bankruptcy, Taxes, Wills, Credit Repair, Home Sales, Home Loans, Financial Opportunities, etc... and we know that if we treat you right with a combination of premium service and low fees, we will be your company of choice for all your future business and financial needs.
We don't want you just as a customer for today, we want you and your family, and friends as customers for life.
And quite frankly, as pertains to bankruptcy... because, we utilize the most up to date technologies and software, we can accomplish in 5 hours what it might take others 5 days to accomplish.
Your complete Bankruptcy Package with all forms and calculations will be emailed to you in PDF format and ready for signing and filing with 5 business days of our receiving the bankruptcy information packet.
Bankruptcy Overview To File or not to File
The bankruptcy information packet asks for a description of:
Filing for bankruptcy puts into effect something called the "automatic stay." The automatic stay immediately stops creditors from trying to collect what is owed to them. So temporarily, creditors cannot garnish wages, empty bank accounts, go after cars, houses or other property, or cut off utility services.
WE WILL PREPARE YOUR FORMS EXACTLY AS TO THE INFORMATION YOU GIVE US. ALTHOUGH, ALL WORK IS SUBJECT TO ATTORNEY REVIEW, WE ARE NOT ATTORNEYS AND CAN NOT GIVE LEGAL ADVICE.
DO YOU HAVE QUESTIONS?
Write to FORUM our experts will either provide the answer of show exactly where to get it.
Need the answer right now?
Call us toll free at 877 604 6636 between 10:00am and 5:00pm pst.
As Bankruptcy Petition Preparers we gladly put together the documents for persons who will represent themselves in court (Pro Per) or have an attorney review his documents and possibly represent him from that point.
Should You Represent Yourself in Court?
That is, of course, your decision-- but these are the facts.
If most of your debt is credit cards, personal loans, car loans, home loans, etc-- In other words not business debt-- your appearance in court will consist of the trustee asking-- "Is the information on your bankruptcy correct?" You answer "Yes" The Trustee then says "do any creditors want to challenge this" --- 9 out of 10 times, a normal consumer bankruptcy will not have any creditors attend. If that is the case the trustee says, absent any challenge to the foregoing I will order that all debts are discharged. And you have final discharge within 60 days. And when a creditor does show up, they are usually there to try to get you to reafirm their debt-- In other words-- "If you agree to continue to pay us and have this debt discharged, we will agree to let you keep the credit card, (or whatever), and allow you to borrow an additional $500 dollars.