How to File Bankruptcy without an Attorney. Do it yourself chapter 7 bankruptcy Free Bankruptcy Information Free Bankruptcy Forms Free Bankruptcy Manual Cheap Low Cost Bankruptcy Services (2024)

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How to file Bankruptcyinexpensively without an attorney or lawyer. You can stop foreclosureand wage garnishments and usuallykeep everything. Personal Bankruptcy Chapter 7 and Free bankruptcyhelp information and servicesOnline bankruptcy assistance and consultationplus--comprehensive pros and cons with an overview ofbankruptcy procedures-- plus, true stories of it'seffects and benefits.

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From Kimberly in MO

Ican't believe how amazing you are-- this isnightmare paperwork --I would've NEVER been able todo this-- Thank You again so very much

From Chrissy in OH

Yourock!! Thanks so much for your help. I wasn't surewhat to expect doing this myself but you have beengreat!!!

From Roger in MI

youdid a SMASHING job of reading what I wrote andturning it into this very organized and beautifullywritten petition--Thank You

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How to File Bankruptcy without an Attorney. Do it yourself chapter 7 bankruptcy Free Bankruptcy Information Free Bankruptcy Forms Free Bankruptcy Manual Cheap Low Cost Bankruptcy Services (2)

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How to File Bankruptcy without an Attorney. Do it yourself chapter 7 bankruptcy Free Bankruptcy Information Free Bankruptcy Forms Free Bankruptcy Manual Cheap Low Cost Bankruptcy Services (4)

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How to File Bankruptcy without an Attorney. Do it yourself chapter 7 bankruptcy Free Bankruptcy Information Free Bankruptcy Forms Free Bankruptcy Manual Cheap Low Cost Bankruptcy Services (5)

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How to File Bankruptcy without an Attorney. Do it yourself chapter 7 bankruptcy Free Bankruptcy Information Free Bankruptcy Forms Free Bankruptcy Manual Cheap Low Cost Bankruptcy Services (6)

You can File Bankruptcy, Discharge All Debt and Keep EverythingYou Own!

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On this page you will learn...

How to file Bankruptcy Without an Attorney

How to Stop Foreclosure

How to Get Rid of Back Taxes

How to File Bankruptcy and Still Buy a Home

How to File Bankruptcy Cheaply

How to Stop Wage Garnishments

Discharge All Debt and Keep All Your Assets

When Bankruptcy Can be GOOD for YourCredit!

  • Life After Bankruptcy

  • Should you file?

  • File Now? or Later?

  • The Truth About Bankruptcy

  • Is the Right Thing, Wrong?

Costs of Bankruptcy?

What are our fees?

Why we charge so little

From Kimberly in MO

Ican't believe how amazing you are-- this isnightmare paperwork --I would've NEVER been able todo this-- Thank You again so very much!

From Vivian in CA

Last Tuesday, I went for my appointment with the Creditors.After waiting for approximately 35 minutes, the interview took only about 5 minutes. The Judge was very cordial.None of the Creditors were present. It was not stressful, as I had anticipated.There were many peoplethere for the same reason as me,so that gave me a level of comfort to know that I am not alone in this critical financial situation.

From Clarence in FL

My first and last meeting with the creditors went great! (August 5, 2011). No creditors showed up to question me and my discharge papers are already on the way.Having this out of the way and done is such a great feeling. Thanks, to all who helped.

From Roger in MI

youdid a SMASHING job of reading what I wrote andturning it into this very organized and beautifullywritten petition--Thank You

From Chrissy in OH

Yourock!! Thanks so much for your help. I wasn't surewhat to expect doing this myself but you have beengreat!!!

Having wages garnished?Being Sued?Pursued for Back Taxes?Hounded by Collectors?

Here's How to Stop It... In It's Tracks!

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Free Forms and Manual

Our goal is to help. If you want to do it on your own, we will provide what you need to it for free. Please see... FreeBankruptcy Forms

The Truth is that Bankruptcy has it's Benefits and it's Drawbacks--

but whether it is the right decision for you depends on your particular situation...

  • Forone family, Bankruptcy was theonly wayto achievehome ownership... See How.

  • Foranother family, the failure to file,when they should have, cost them almost everything.See WHY!

    Note: If you or someone you know is in danger oflosing their home, please see our Mortgage Renegotiation Services.

We don't preach-- we teach.Our goal is not to look out for the interests ofthe credit bureaus or creditors--

It is to provide the best possibleinformation and service available for solving pressing financialissues.

The decision as to how to use thisinformation is left to you.

Our Goal is Simple...To Help You Get a Fresh Start

Note, we also will GIVE you the most effective credit restoration course in existence! seefree credit restoration.

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Weprovide you with...

  • Online Bankruptcy Assistance

  • Free Consultation

  • We give you factual, comprehensive pros and cons of bankruptcy with an overviewof bankruptcy procedures-- plus, true stories ofit's true affects and benefits.

  • If you choose, We even GIVE you the resources, (FreeForms and Manuals) that will allow you tofile completely on your own.

  • Free! Comprehensive Credit Repair Manuals- seeFree Credit Repair. Once your debts have been discharged, it's time to fix your credit! At the conclusion of the process, we then send you the most comprehensive credit repair manuals in existence.

WE MAKE THE PROCESS SIMPLE AND AFFORDABLE!Our Motto is Simple...

A Solution You Can't Afford... Is Not a Solution!

Ifyou have any questions, please call Toll Free

877 604 6636 Extension 3

Please when calling reference Service ID HO13248

Have questions or need assistance?

Please call Toll Free

877 604 6636 Extension 3

When calling reference Service Code HO13248

Order Services

CLICK HERE FOR

Affordable Bankruptcy

Free Forms and Manual

Our goal is to help. If you want to do it on your own, we will provide what you need to it for free. Please see... FreeBankruptcy Forms

Crucial Bankruptcy Links andFree Information

Free Bankruptcy Help

Free Bankruptcy Forms

Free Bankruptcy Manual

Frequently asked Questions FAQs

Bankruptcy Mistakes to Avoid

If you choose to have professional assistance, weguarantee to provide you with the

very best service at the very lowest fees,about one fourth of most attorney's fees.

WHAT DOES IT COST TO FILE BANKRUPTCY

The fees to thecourts are usually about $299.

If you qualify for a"Waiver of Court Fees" your court fees would be waived. (As part of our service, we prepare the "application for waiver of fees" free of charge. If not granted,in most instances the court will allow you to pay theirfeesin 4 installments.

(for details call 877 604 6636 Ext 3)

Please reference Service ID # HO13248

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Chapter 7--

Most Attorneyscharge anywhere from $1,200 to$2,000, for a Chapter 7 (complete discharge ofdebts).

Our Fees are ONLY $595and even that is broken up into 2 separate payments.

Why Does Everyone Else Charges So Much?

Because they can...

There is atendency in business to charge that which the marketwill bear. Oil companies do it--so do attorneys.

Attorneys not onlycan charge... but can actually get,those exorbitant fees-- so they do.

Why Do We Charge So Little?...

BecauseWe Want to Handle All Your Financial Needs...

We are much more than Bankruptcy Preparers. We handle amyriad of services and issues, Bankruptcy,Taxes,Wills,Credit Repair,Home Sales, Financial Opportunities, etc... in fact, we areknown as the No Down Home Purchase specialistssee No Down Purchases helpingpeople all across the US to buy homes with no downregardless of credit, hence our phone number...

Toll Free 877 604 No Down

(877604-6636) Ext 4 When calling, please reference Service Code HO13248

AS A COMPANY, BY CHARGING LESS WE ACTUALLY CREATE MORE BUSINESS!

We know that byproviding premium services at affordable prices in all that we do; we will be your company of choicefor your future business and financial needs. We don't want youjust as a customer for today, we want you, yourfamily, and friends as customers for life.

And quitefrankly, as pertains to bankruptcy... because, weutilize the most up to date technologies and software,we can accomplish in 5 hours what it might take others 5days to accomplish.

Remember, it is our goalto provide the options you need to solve yourissues.

If you need our services, we're here tohelp. If you prefer to do it on your own, we'llhelp there, too.

Free Bankruptcy Help

Free Bankruptcy Forms

Free Bankruptcy Manual

Frequently asked Questions FAQs

Bankruptcy Mistakes to Avoid

Have questions or need assistance?

Please call Toll Free

877 604 6636 Extension 4

When calling reference Service Code HO13248

Order Services

CLICK HERE FOR

Affordable BankruptcyServices

Free Forms and Manual

Our goal is to help. If you have the time to do it on your own, we will provide what you need to it for free. Please see... FreeBankruptcy Forms

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DO YOU WANT TO FILE ON YOUR OWN?

We'll still help! Click below for Free Forms and Bankruptcy Manuals

For Free Bankruptcy forms and manual Click Here.

WHAT WE PROVIDE

At The Solutions Network, we do more than prepare yourbankruptcy petition. We help prepare you forLife After Bankruptcy. The Complete Bankruptcy Packagegives you all of this...

  • CompleteBankruptcy Document Preparation so you can get aFinancial Fresh Start-- We prepare allschedules, including the Federal Bankruptcy Petitionplus, Schedules A, B, C, D, H, J, Statement of FinancialAffairs, and the "Petition for Waiver of Fees", etc...

  • Tri-merged credit report-- we help you get a FREETri-merged report, so you don't miss creditors. A complete record of all debts you owe, credit cards,car loans, real estate loans, collections, judgments,tax liens, school loans, including balances, paymentamounts, creditors names and their addresses-- Saves youhours in your debt investigation..Remember,if they are not listed in your Bankruptcy, you still owethe debt!

  • Do It Your Self Credit Repair Kit-- see credit repair.By utilizing the techniques that we include in these 2Creditor Busting Ebooks you will be able to immediatelybegin to improve your credit rating and credit score, inspite of your bankruptcy.

  • BankruptcyInformation Packet--Comprehensive,but easy to understand information that shows how tomaximize the benefits of your bankruptcy by not onlyeliminatingdebts, but in some cases, reducing the amount of debt remaining onthat car or furniture on which you still owe money butwant to keep. In other words-- keep the car-- butget rid of half the debt.

The Truth is that Bankruptcy has it's Benefits and it's Drawbacks--

but whether it is the right decision for you depends on your particular situation...

Forone family, Bankruptcy was the only wayto achievehome ownership... Foranother family, the failure to file, when trulynecessary, almost cost them everything. To see how andwhy bankruptcy impacted these families' lives see "" Below

Bankruptcy Service Request

Life After Bankruptcy

Inspite of an effective National Campaign by creditors,that fact is...

life after bankruptcy is not asdifficult as often imagined or portrayed.

Even so, whetheror not to file Bankruptcy is one of the most difficultdecisions that a person makes in today's society.Good decisions requireaccurate information. The things that causepeople to come to a point in their life where Bankruptcybecomes something to even be considered are manyvaried. But at this point, we are not going to talkabout how we got to that place, but rather,what to do about it-- and toinform you of the true consequences. We all know that bankruptcy is nota good thing. It goes on your credit report and staysthere for 10 to 12 years, and yes, for a year or two, ifyou apply for a loan, you will pay a higher interestrate. There's noquestion, bankruptcy is not always the idealsolution, but it is often the best solution-- and as we'll see, it also is not an economic death sentence.

Because creditors know that you can't file bankruptcy again for 8 years, they know they have plenty of time to collect any new debts that you may incur. What this means is you can almost immediately, get the new financing on things that are important i.e. credit cards, auto loans. You can even get a new FHA home loan, 2 years after your discharge. Again, it's not ideal but it is in now way as bad as the financial industry would have you believe.

Crucial Bankruptcy Links andInformation

FreeBankruptcy HelpFreeBankruptcy FormsFrequentlyasked Bankruptcy Questions FAQsBankruptcyMistakes to Avoid

Note:Recently, there has been a lot of discussion aboutcredit improvement services. Many companies are scams--some are reputable. Credit restoration has it'sbenefits and it's limitations. Often times theeffective dispute of derogatory credit can eliminate the need forbankruptcy andallow you to pursue objectives you may have that arealmost impossible with the derogatories still onyour credit file or with a recent bankruptcy.For acomprehensive discussion of the benefits andlimitations of credit restoration,click here.

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Should You File Bankruptcy?

There is no magicformula that tells you whether bankruptcy is the bestchoice for you-- but here a few facts to consider.

Youdon't need bankruptcyprotection now if...

You have nothing that a creditor with a judgmentcould take from you, in either assets or income:that is, if everything you have is exempt underthe laws of your state, including your source ofincome, you have nothing to lose to a creditorand no need for bankruptcy protection now.However, it's important torealize that just because the creditor hasnothing to attach right NOW, that doesn't mean those debts can't come back tohaunt you in the future.

Is this just a temporary financialglitch? Then you might want to consider filing.

In the future, are you going to be substantially better off? New job?Extra Income? More assets? Will you soon have your financesin place?

If you file now, (while down in the dumps, so tospeak), you will undoubtedly be able to keepeverything and pass the federallymandated means test (Don'tworry, we handle that for you)--plus...As long as you don't create new bad debts after filing... within two years you will be almost blemish freewith no outstanding collections, late pays, orjudgments. Your credit worthiness will then bedetermined by your, then current, income and the credit trackrecord you create after the bankruptcy.If you keep a clean slate, you will againbe considered a good credit risk.

WHAT IF YOU DON'TFILE?

If you DON'T FILE, and yourfinancial situationimproves? Obviously getting back on your feet is greatthing, but...

In Two Years you could befaced with the following situation... You'veweathered the storm and now have great income; you'reliving the American Dream, have newly acquiredassets and Great Income, But you still have that debt and those creditors...

If you had filed- You'd have a two year old discharge, noexisting debts and re-established credit.

What if you didn't file?-Your income, assets and finances may be great... but because you didn't file, that can actually be a big roblem.

  • Because you didn't file, you still have collections and judgments-- but you also have an higher incomethat can be attached.

  • Those still existing creditors that you've forgotten all about, can come after you again!

  • But now, Bankruptcy may not be an option. Now that you are living the AmericanDream... You may make too much money to pass themeans test! You would now have to pay backold debts or face garnishments.

  • Want to buy a home?-Because you didn't file, you still have collections and charge offs owing that will prevent you from getting a home loan until they are paid.

  • If, on the other hand, you had filed, and your bankruptcy is one to two years old andall debt since then has been paid on time,you will again be considered a good credit riskand qualify for the best home loans available.

Iwant to make something clear.The abovethe above scenario, nor those that follow are in anyway intended to try toconvince you that you should or should not file bankruptcy.That decision is absolutely yours and yoursalone. We just want to be certain that anydecision you make is based on a completeunderstanding of facts and actual, rather than imagined potential consequences.

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To Order Bankruptcy Services Click Here

The Truth About Bankruptcy

The decision to file is intensely personal. It is yours and yours alone. Whatever, decision you make, be certain that is made with all the facts in hand.

What I amgoing to do here is not necessarily give you advice butrather elaborate on a couple of scenarios that we have had with clients while dealing with Bankruptcy, andcredit related facts-- also, what I suggested that theydo and the end result. Of course, how you proceed andthe decisions you make are yours and yours alone. Mygoal is to simply help you proceed with a broader viewof what bankruptcy is. Hopefully, this article willgive you more relevant, real life facts to help you makea fully informed decision--See the following true life stories of past clients.

Inevitability. Should You File Now? orFile Later?

Scenario 2

Isdoing the Right Thingthe Wrong Thing forYour Family?

Do you own a home and are in danger of losing it? Seeour article regarding alternatives and possiblesolutions to Foreclosure Remember, yourarely have to lose your home.Even though, Bankruptcy should be a last resort, if allelse fails, a Chapter 13 will almost always allow you tosave your home.

SHOULD YOU FILEBANKRUPTCY NOW OR LATER?

I had a closepersonal friend who came to me wanting to buy a home.During the loan process we found that he had absolutelyimpeccable credit. Unfortunately, his income was onlyslightly more than his outgo, (as in about $100 permonth, and this was before food and utilities!),. My first question to him was how are you managing tomake all your payments on time. I had never seen anyoneso overloaded with debt while making their payments soflawlessly. He informed me that he was effectivelyborrowing from Peter to pay Paul. Borrow from onecredit card to pay another, then open another creditaccount to pay the last...

Underthese circ*mstances, there was no way that he couldqualify for a normal loan. He only wanted around an$80,000 home, but even with the $8,000 down he wasgetting from a settlement, he could not qualify for aconventional low rate loan. His expenses vs income wasjust too high.

As Iexplained to him, with his income to debt ratios, hewould never be able to buy a house. At least, notwith a fixed rate or reasonable down payment. Wewere going to have to get creative. I thenexplained to him that with his situation-- Namely,the fact that every month he was going further andfurther into debt. His minimum payments on thecredit cards were getting larger and larger-- Hisincome was staying relatively stagnant. He wasunquestionably spiraling into the need for abankruptcy. The only realquestion was would it be now or later?

Here's what we did. We used his $8,000 insurancesettlement for his down payment. I persuaded the sellerof the property to carry $12,000 for a term of 30months. Now, that we only needed a loan for $60,000 onan $80,000 home, We were able toget him a loansecured by the property. It was not a good loan, but aloan, nevertheless. This loan was fixed at 6%, but foronly two years. After that it would adjust to about12%, thus increasing my friends payment by about $300per month over the original payment.Generally, I wouldn't negotiatethis deal for my worst enemy, but we had a strategy thatwould insure that he would never have to pay that highinterest rate.

NOTE:Ifa person files Bankruptcy and then from the date ofdischarge, keeps any new or reaffirmed debts paidperfectly, for most lenders, in two years, they willbe considered to again be a good credit risk. We closed the deal, he now owned the homeand he then immediately filed Bankruptcy. So he discharged hisunsecured debt, and reaffirmed his home andcar loan. (i.e. continued to make payments on homeand car).

NOTE:There are now loan programs that will allow you toget a home loan within 6 monthsafter bankruptcy or even one day with a substantialdown payment.

SeeHomeLoans

At the end of two years,he had paid his remaining bills perfectly. Additionally, because he had all of the unsecured debtsdischarged, his monthly obligations were reduced byabout $600 per month. He now had good credit andincome to debt ratios that were reasonable, so he couldnow refinance his home and get rid of that firstmortgage that was getting ready to go to 12%-- plus,because his home had appreciated, we could even pay offthe $12,000 that he still owed the seller. Because hisfinances were now in balance I was able to get himapproved for a refinance to do the above at a fixed 6%interest rate loan.

Amazingly enough-- this was one of those rare situationsin which the only way to

accomplish thegoals of home ownership for himself and his family, wasby filing Bankruptcy!

***********************************************************************************************************

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IS DOING THERIGHT THING, THE WRONG THING FOR YOUR FAMILY?

Doingthe right thing is always admirable.But it has been my experience that sometimes doing theright thing for the creditors is absolutely the wrongthing for your family...

I was recently contacted by a family that had beenstruggling with debt for 3 years. Prior to thebeginning of their problems they had both had very goodjobs. As with most of us, good jobs equal goodlifestyle and lots of debt. Their income was such thatthey were not overloaded in the least.... but then helost his job, the family income was halved for aboutsix months. They had some 30 day lates, but nothing tooserious. He finally found other employment-- justabout the time that she lost her job!... Overthe next three years, for both of them, employment wassporadic. In their attempt to do the "right thing"i.e. keep their home, pay their bills, even if late... theydrained not only their savings, but raided their retirement accounts (Whichyou can almost always keep when you file Bankruptcy),

To makematters worse, dipping into retirement accounts, carried earlywithdrawal penalties and extra tax liabilities, (we managed to avoid most of thepenalties on an amended tax return), but the point is that they werefinancially drowning. At all costs, they were determined to avoid bankruptcy.They wanted to do the right thing and pay theircreditors. They continued their spiral and sporadicemployment for three years.

Thiswas admirable and I respect them immensely for theirintegrity. But now,they have nothing left. Even theirretirement is gone! Their home was in foreclosureand to keep the home, for themselves and daughter,they finally decided to file a chapter 13bankruptcy.

If they had filed two yearsearlier, when the spiral was obviously out ofcontrol...

They would now have good credit, theywould still have their retirement, and they would bestress and debt free. As it stood, we saved their home, buttheir retirement is forever lost and good credit isa thing that will elude them for another two years.

Inmy opinion, the moral of the story is, if you can fixyour finances, by all means, do so. But please, foryour and your families sake, make an honest andobjective assessment of your ability to pull out of thefinancial morass. If Bankruptcy is inevitable, do it now, not after your retirement is gone.

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