FILE BANKRUPTCY ONLINE
Can I file bankruptcy online? Most of the time, the answer is yes. Here is free information, downloads, and forms to help
you work through the process.
Aside from trying a do-it-yourself approach, there are several other inexpensive options. Legal software programs lead you through
the process; step-by-step for as little as $20.
You can get legal assistance from the software companies for just a few dollars
more if you need it.
Here is a sampling of resources to see what fits your circumstances best if you decide to file
#1 Attorney-prepared Chapter 7 Personal Bankruptcy Kit. Designed to provide the guidelines, forms and detailed instructions on how to fill out and file the necessary Chapter 7 Bankruptcy forms - less than $20.
Do Your OWN Credit Repair
Forms Included In This Credit Repair Package - All for $10
Professional Kit of Legal Forms for You To Customize
1. Release and Settlement Agreement
2. Credit Collection Cease Communication Letter
3. Expired Statute of Limitations Notice Letter
4. Credit Inquiry Information and Removal Letters
5. Letter to a Credit Report Agency That Co-Mingled Information
6. Letter to Credit Reporting Agency - Dispute Letters
7. Debt Collection Dispute Letter Packet
8. Good Will Adjustment to Remove Late Payment
9. Notice of Harassment to Debt Collector/Agency/Attorney/Firm
10. Negotiating a Settlement With Utility, Cable, or Satellite Companies
11. Letter to Settle Past Due Account
12. Negotiating Settlements with Creditors for Separation and Divorce Issues
Plus: Letter to Update Accounts or Debts That Were Discharged in a Bankruptcy
List of FREE Downloads, Forms, and Articles To File Bankruptcy Online
Common Mistakes Before Bankruptcy
There are many common mistakes that are often made before and during the bankruptcy process. Here is a short list of them:
Repaying money to relatives
If you repay a relative anytime during the year prior to filing bankruptcy, the trustee can sue the relative to receive
the money back to distribute to all of your creditors equally.
Not listing all creditors
Make sure to list every single person or company you owe money to. Only if this list is completely accurate and complete
will those debts be discharged at bankruptcy.
Shifting assets to your children's name or a relative just prior to filing for bankruptcy is not permitted.
Bankruptcy laws require full disclosure of all assets. The FBI fraud division, IRS auditors, and the Executive
Office of the U.S. Trustee investigate bankruptcy filings. They will eventually find your assets even if you do not have
them listed in your paperwork. It is a federal crime, a felony, to commit bankruptcy fraud. Do not take chances.
Be careful about credit consolidation companies. The airwaves are inundated with consolidation companies urging their
solutions as a way to "avoid bankruptcy." However, even if you negotiate lower payments or a restructure your debt
outside of bankruptcy, your credit score is still adversely affected just as with bankruptcy.
You also should be aware that there could be income tax liability. In addition, don't be fooled, "not-for-profit"
doesn't mean "free." These organizations are typically capitalized by banks and the credit card industry because
they want to try to collect as much money from you as possible.
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