United States
Bankruptcy Forms
Introduction to Chapter 7 Bankruptcy Forms
Bankruptcy is filed using
official bankruptcy forms prescribed the the federal bankruptcy
rules. These
bankruptcy forms consist of schedules and statements as follows:
- Voluntary Petition
- Summary of Schedules
- Schedule A - Real Property
- Schedule B - Personal Property
- Schedule C - Property Claimed As Exempt
- Schedule D - Creditors Holding Secured Claims
- Schedule E - Creditors Holding Unsecured Priority Claims
- Schedule F - Creditors Holding Unsecured Nonpriority Claims
- Schedule G - Executory Contracts and Unexpired Leases
- Schedule H - Codebtors
- Schedule I - Current Income of Individual Debtor(s)
- Schedule J- Current Expenditures of Individual Debtor(s)
- Declaration Concerning Debtor's Schedules
- Statement of Financial Affairs
- Means Test Calculations and Documents
- Chapter 7 Individual Debtor's Statement of Intention
- Statement of Social Security Number
- Creditor Mailing Matrix
- Creditor List Formatted for Diskette
- Court Fee Waiver
With the advent of the internet, the best way to file
chapter 7 bankruptcy is online with a full-service company such as ours.
Personal bankruptcy refers to a chapter 7 or chapter 13 bankruptcy
where the debtor is a natural person, as opposed to a corporation or
business entity. You can file personal
chapter 7 bankruptcy
online as an individual
or jointly as husband and wife.
Personal
chapter 7 bankruptcy
is also characterized by the fact that the debts being filed against
are consumer debts such as credit cards, personal loans, medical
bills etcetera.
How to file Chapter 7 Bankruptcy Forms Online
You file
personal bankruptcy
forms online by filing a bankruptcy petition along
with a series of schedules numbering from A to J and various
required statements as listed above. The bankruptcy forms
listed above apply to chapter 7 and to a large extent to chapter 13
bankruptcies as well. There are free bankruptcy forms available at
the bankruptcy court but they are not much use.
Under the
new bankruptcy law enacted in
2005, if your are filing
chapter 7 bankruptcy
forms, you also need to pass a bankruptcy means test. Us
bankruptcy forms contain the bankruptcy means test forms. The filing of
ones bankruptcy online denotes that the preparation of the documents
are done online. Online bankruptcy entails that you submit the
information required for your bankruptcy through an online
bankruptcy questionnaire. The
finished
bankruptcy forms are sent to you by
email or by an online download.
Comparison of Chapter 7 and Chapter 13 bankruptcy forms
Chapter 7 bankruptcy is intended to discharge debts wherein you
never have to pay them back again. In contrast, chapter 13
bankruptcy involves paying back your creditors, particularly the
secured creditors. Us bankruptcy forms provide for online bankruptcy
form in chapter 7 bankruptcy filing.
Chapter 7 bankruptcy also requires a bankruptcy means test to
show you qualify. The distinguishing bankruptcy form between chapter
7 and chapter 13 bankruptcy is not actually an official form. It is
a repayment plan for chapter 13 which details how the debts are to
be repaid.
Click here for PRICING and our Special bankruptcy
discount
Online Bankruptcy forms and The Chapter 7 Bankruptcy Means Test
The means test is required for
personal
chapter 7 bankruptcy filing where the
debtor is a natural person and this applies to online bankruptcy
preparation. It is intended to determine if you
qualify under the BAPCPA act which supposedly tries to prevent
abusive bankruptcy filing. The truth though is the new
bankruptcy
law favors the credit card companies and was written by them. In any
case, if you
pass the
online personal chapter 7 bankruptcy means test then you
qualify to have your debts discharged. This is of significance in
chapter 7 bankruptcy filing. There is the equivalent of a means test
for chapter 13 in so much as the that the calculations are very
similar. However it is not called a bankruptcy means test for
chapter 13 bankruptcies.
Preparing the Online Chapter 7 Bankruptcy Forms
Preparing the
personal
online bankruptcy forms needed for filing a
chapter
7 bankruptcy is a daunting task. Before you begin to panic, that is
our bad news, not yours. For one, the man-hours needed to put
together the 6 page
personal bankruptcy means test document can be
compared to that need to prepare two or three
complete personal
bankruptcies under the old laws.
On top of that, the new bankruptcy law has caused a typical
personal bankruptcy
forms set to balloon from about 23 to 35 pages under the old law to
about 50 to 75 pages under the new chapter 7
bankruptcy law.
These are complicated chapter 7 bankruptcy form. Chapter 13
bankruptcy forms are no easier.
In the past, a lot of people hacked away at their own
personal
bankruptcies inch by inch, week after week, until it was done, but
with the new laws, that is a thing of the past. Now you must have
your documents prepared online professionally by a full-service company.
The advantages of having your personal chapter 7 bankruptcy all done online is that with online bankruptcy you can work at your own pace. You
gather your bankruptcy information at your own pace and you submit
it to us online at your own pace.
Because of the burdens of the new law, many
chapter 7 bankruptcy attorney's
have doubled their prices just to make it worth their while. With
our
online bankruptcy service, you pay one low fee, no matter how
complicated your case is.
In a long distance conversation the other day, one of
the lowest
priced personal bankruptcy attorneys in Austin confirmed that they
had raised their price from $595 to $1595 because of the paperwork.
None of this need bother you because we take all the responsibility
of preparing the paperwork on ourselves.
You fill out our 20 minute online bankruptcy questionnaire and we get all of
the mountains of paperwork done so that all you do is sign your name
and file.
"We will prepare all your bankruptcy forms
online so that all you do is sign and file!"
And we back it up with the Crazy Guarantee!
Our word is simply this.
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We will prepare everything you will need
for your chapter 7 bankruptcy so that all you do is sign your name
and file. This include all the federal bankruptcy forms.
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It will include the new Means Test documents with all 75 questions
and calculations completely answered and prepared as required by the
new bankruptcy laws.
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We will do it all in as little as one
day or in just a few hours, if you need to file right away.
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We will accept as many creditors as you
have, at no extra charge.
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If you need to have the court filing fee waived, we will prepare the
fee waiver documents so that you do not have to pay the court fee.
(Please note that we are not guaranteeing that the court will waive
their fee.)
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We will include your spouse if you want
a joint filing and they too can give us as many bills as they have
at no extra charge.
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We will let you make as many changes as you need to the bankruptcy information that you give us at not extra cost.
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We will be there to answer all your
questions and hold your hand.
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We will guarantee court acceptance or
your full money back.
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That is really all there is to it. There
is no hype, no gimmicks and no hidden fees. Most importantly, we do
not sell you some software and ask you to do it yourself.
If you want more information on our
services other than this short summary, then read on, otherwise go
straight to the order page and sign up.
What is The Crazy
Guarantee?
Why is It so radical? Why is there
nothing like it anywhere else?
Click here for
more details on Chapter 7 - You can click here for detailed information
on what we will do for you and to find out exactly what the
crazy guarantee is.
---- or-----
Click here to
sign up for Chapter 7 - If you have familiarized yourself with this site
and are ready to get started, then click here to sign up.
Click below for chapter 13
This site covers free bankruptcy information in these other areas:
For chapter 7 bankruptcy and chapter 13 bankruptcies, differences
between
filing personal bankruptcies and business bankruptcies; the
benefits of
filing bankruptcy online; the role of
bankruptcy attorneys in chapter 7 and 13 cases; a discourse of
bankruptcy laws in the United States; a list of the necessary
chapter 7 bankruptcy forms needed to file chapter 13 bankruptcy;
various state specific bankruptcy laws including
Texas bankruptcy, filing
California bankruptcy and
Florida bankruptcy to name just a few; the bankruptcy means test
required in
chapter 7 bankruptcies; an overview of bankruptcy exemptions
which allow you to keep most of your properties after
filing online bankruptcy; the official bankruptcy forms. It also
discuses the concept of do-it-yourself bankruptcy filing and
compares it to hiring a bankruptcy lawyer. We also talk about
various approaches to bankruptcy software, and then deal with
reestablishing credit after bankruptcy. For your convenience, we
provide a directory of all the bankruptcy courts in the United
States.
Additional Bankruptcy Forms Resources
If you decide to shop around first then additional reading can be
found as follows. Bridgeport bankruptcy discuses
filing bankruptcy as well as the intricacies of
personal bankruptcy filing and the pros and cons of
filing online bankruptcy in the areas of
chapter 7 bankruptcy. Comparison of
attorney bankruptcies is covered too. This effort hopefully will
end up helping you to get the
best bankruptcy forms possible.
USA bankruptcy software provides
additional reading in the areas of
filing bankruptcy online, as wells what every debtor must know
to file chapter 7 bankruptcy can also be of benefit. It also
helps to fully understand the options available for filing a
personal bankruptcy particularly if you need a
chapter 7 bankruptcy. There are those who in spite of what we
offer still want to examine the
online bankruptcy software option and that too is a beneficial
endeavor. After visiting all of these other resources, return to us
to prepare your
official bankruptcy forms.
DebtorAid.com explores some of these same areas,
namely, using
bankruptcy software for
online bankruptcy
filing. It also compares the role of
bankruptcy
attorneys with that of full-service companies who prepare
bankruptcy forms
for US
personal bankruptcy filing.
State Specific Bankruptcy Forms Resources
As we mentioned earlier, there are state specific
bankruptcy exemptions that you must be aware of. Since the largest states are
California, Texas and Florida, you will find these bankruptcy exemption sites
useful.
California bankruptcies are marked by their use of two separate bankruptcy
exemption schemes, System 1 and System 2. If you are filing in bankruptcy in
California, do not fail to examine the differences.
Texas bankruptcies filings are know for their robust
Texas
bankruptcy Exemptions. They have the most generous bankruptcy exemptions for
chapter 7 bankruptcy filing. Bankruptcy exemptions are particularly pertinent to
personal bankruptcy filing.
Florida bankruptcy filing is perhaps that largest contributor to bankruptcy
filing in the United States. Florida bankruptcies have good exemptions like
Texas and California bankruptcies. If you live in some of the other large states
then topics such as
bankruptcy in New York, figuring out the rules for personal
bankruptcy filing in Illinois, dealing with
online bankruptcies in Ohio and
Pennsylvania bankruptcy will be of interest.
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