For Chap 7 Type Bankruptcy, Is It Safe To Do It Without A Lawyer Using Help With Forms From Bankruptcyseven.com?

by **dureau** » Sun Jan 12, 2014 11:08 am

For an individual that has no assets or income to spend a lawyer and who's revenue is low enough to qualify for chapter 7, is this a reasonable route to go? Any other recommendations? A lawyer desires around $2000. Bankruptcy ask for $195.(That does not consist of the $299 filing charge or the $50.00 for the course required ahead of filing. The state is New Jersey.

by **Berrin** » Mon Jan 20, 2014 6:30 am

This is setting of spam-o-meter......

by **dunixi** » Mon Jan 20, 2014 4:39 pm

What do you mean by spam-o-meter setting?

by **Apsel** » Thu Jan 23, 2014 4:54 am

Anonymous replied to post #4: 5 What do you mean by spam-o-meter setting? 52 months ago

by **Roibin** » Thu Jan 30, 2014 9:28 am

maggo said: 3 If you don't have the dough, you don't have the dough, yes? It's always better to use a lawyer in these matters, but you do whatcha gotta do. I would, however do a search on bankruptcyseven and check out their satisfaction rating, etc. Do they make any claims about the usefulness of self-filing? I'd sure check out all those consumer advice sites on this issue and see what they think about it. Good luck. 52 months ago

by **boy** » Fri Jan 31, 2014 4:12 pm

If you don't have the dough, you don't have the dough, yes? It's always better to use a lawyer in these matters, but you do whatcha gotta do. I would, however do a search on bankruptcyseven and check out their satisfaction rating, etc. Do they make any claims about the usefulness of self-filing? I'd sure check out all those consumer advice sites on this issue and see what they think about it. Good luck.

by **Bevan** » Thu Feb 06, 2014 11:19 am

Yes, if you follow the right procedure you can file for bankruptcy without a lawyer. How To File For Bankruptcy Without A Lawyer #IntroductionThere is no legal requirement to use an attorney to file for bankruptcy, although declaring bankruptcy is a serious step that warrants professional assistance. If you would prefer to file for bankruptcy without a lawyer, this page would help you get started.#Step 1: Gather the Information You'll Need to File for BankruptcyBefore beginning the process, you'll want to make sure you have a detailed list of both your assets and your debts. 1. Document your debts by listing the name, address, and phone number of each creditor, the balance due, interest rate, and minimum monthly payment. Make a copy of the last statement you've received for each one. You'll also want to make a copy of any correspondence you've received from your creditors. 2. List all of your assets, with detailed descriptions, values, and copies of any supporting documentation. 3. If you've moved in the past 180 days, you'll need documentation of the dates you lived at each address. You will file for bankruptcy in the county in which you are currently living, or, if you have been there less than 90 days, the county that you lived in the longest during the past six months.#Step 2: Complete Credit CounselingOne of the documents you'll need to present to the court as part of your bankruptcy filing is a certificate proving that you completed credit counseling with an agency approved by the United States Bankruptcy Trustee's office. The counseling needs to be completed before filing, and you'll need to present any repayment plan they suggested, as well as follow up with financial management counseling after the case is completed.#Step 3: Determine Whether Chapter 7 or Chapter 13 is Right for Your BankruptcyThere are two forms of bankruptcy protection available to consumers, and each has specific criteria that is used to determine whether or not you are eligible. Chapter 7 entails liquidating your assets and distributing the proceeds to your creditors, who then forgive the remaining debt. If you don't qualify for Chapter 7 bankruptcy, you may still be able to file under Chapter 13, which, while it doesn't forgive your debts, creates a revised payment schedule to restructure your debts. Your creditors are required to accept the schedule after it is approved by the court.#Step 4: Should You Use a Bankruptcy Petition PreparerBankruptcy petition preparers are not attorneys and cannot give you legal advice about your bankruptcy. They charge from $150-$250 just to fill in the forms and type your petition. You will still be liable for complying with the law, so it probably makes more sense for you to fill them in yourself, using a step by step guide. If you find the process too complicated, then you probably do need to hire a bankruptcy attorney. Sources: http://www.mahalo.com/how-to-file-for-bankruptcy-without-a-lawyer AnneLiese 52 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.

by **Bow** » Mon Feb 10, 2014 4:14 pm

Consumer, Celebrity Bankruptcies May Hit 1.4 MillionSubmitted by admin on Mon, 08/10/2009 - 16:03in * bankruptcy * consumer bankruptciesBy Linda Sandler and Andrew M. HarrisAug. 10(Bloomberg) -- Consumer bankruptcies show no sign of abating after rising more than a third this year and may hit 1.4 million by Dec. 31 as jobs are lost and loans are harder to get, according to the American Bankruptcy Institute. Actor Stephen Baldwin files for chapter 11 bankruptcySubmitted by admin on Wed, 07/22/2009 - 17:42in * bankruptcy New York City valued at $1.1 million. The document shows he also owes more than $1 million in taxes and has about $70,000 in credit card debt.LinkMore than 126,000 consumers filed for bankruptcy in the U.S. last month, 34 percent more than in July 2008, the ABI said in its latest report on Aug. 4. The increase came after a 36.5 percent rise in personal bankruptcies nationwide in the first six months, to 675,351, according to the ABI research group, which interprets data collected by the National Bankruptcy Research Center.?Rising unemployment on top of high pre-existing debt burdens is a formula for higher bankruptcies through the end of this year,?ABI Executive Director Samuel Gerdano said in a statement. The group, composed of lawyers, accountants, bankers and judges, is based in Alexandria, Virginia.Link

by **Sim** » Sat Feb 22, 2014 1:05 am

How To File For Bankruptcy Without A Lawyer #IntroductionThere is no legal requirement to use an attorney to file for bankruptcy, although declaring bankruptcy is a serious step that warrants professional assistance. If you would prefer to file for bankruptcy without a lawyer, this page would help you get started.#Step 1: Gather the Information You'll Need to File for BankruptcyBefore beginning the process, you'll want to make sure you have a detailed list of both your assets and your debts. 1. Document your debts by listing the name, address, and phone number of each creditor, the balance due, interest rate, and minimum monthly payment. Make a copy of the last statement you've received for each one. You'll also want to make a copy of any correspondence you've received from your creditors. 2. List all of your assets, with detailed descriptions, values, and copies of any supporting documentation. 3. If you've moved in the past 180 days, you'll need documentation of the dates you lived at each address. You will file for bankruptcy in the county in which you are currently living, or, if you have been there less than 90 days, the county that you lived in the longest during the past six months.#Step 2: Complete Credit CounselingOne of the documents you'll need to present to the court as part of your bankruptcy filing is a certificate proving that you completed credit counseling with an agency approved by the United States Bankruptcy Trustee's office. The counseling needs to be completed before filing, and you'll need to present any repayment plan they suggested, as well as follow up with financial management counseling after the case is completed.#Step 3: Determine Whether Chapter 7 or Chapter 13 is Right for Your BankruptcyThere are two forms of bankruptcy protection available to consumers, and each has specific criteria that is used to determine whether or not you are eligible. Chapter 7 entails liquidating your assets and distributing the proceeds to your creditors, who then forgive the remaining debt. If you don't qualify for Chapter 7 bankruptcy, you may still be able to file under Chapter 13, which, while it doesn't forgive your debts, creates a revised payment schedule to restructure your debts. Your creditors are required to accept the schedule after it is approved by the court.#Step 4: Should You Use a Bankruptcy Petition PreparerBankruptcy petition preparers are not attorneys and cannot give you legal advice about your bankruptcy. They charge from $150-$250 just to fill in the forms and type your petition. You will still be liable for complying with the law, so it probably makes more sense for you to fill them in yourself, using a step by step guide. If you find the process too complicated, then you probably do need to hire a bankruptcy attorney.

by **Izreal** » Fri Mar 21, 2014 1:51 am

Schelli said: 4 This is setting of spam-o-meter...... 52 months ago

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