Click here to see how we handle customer support. Should you hire a lawyer for a consumer bankruptcy? In one word, no. Hiring a chapter 7 bankruptcy lawyer could work against you in a number of important ways. First, if you hire a lawyer you will not qualify to have the court filing fees waived, even if you have no income. That is a firm court rule. The second is that for a consumer, a chapter 7 bankruptcy lawyers will only spend the minimum time needed to make the sale and collect their fee and that is usually about 30 minutes of initial consultation. Beyond that, they will lose money giving you free bankruptcy advice if they cannot get their usual $300 per hour fee. So what do they do after they have been paid? They hand off your chapter 7 bankruptcy preparation to a secretary who oftentimes can only type the forms and does not know enough to answer your questions. If you call asking for the lawyer, you will be told that he or she is in conference, which means, making another sale, or is in court. The next time you will see him or her will be at the trustee meeting. That is just how they play the game. If they charge you $1,000 and spend 30 minutes making the sale and 30 minutes at the trustee hearing, they will have spent a total of one hour on you at a rate of $1,000 per hour. That is great for them but bad for you. This lack of sustained personal contact with the client is why most chapter 7 bankruptcy attorneys prepared bankruptcies leave debtors less than satisfied and sometimes ruins their chance for a clean debt discharge or worse, costs them in lost assets. The top 3 bankruptcy problems and how we solve them
in order to fully appreciate what court source does to make your bankruptcy filing easy, you need to consider the three problems all bankruptcy filers face. We describe these problems here and then follow it with how we solve all of them what you don't know could hurt you and just because it looks easy does not mean that it is there is more to filing chapter 7 bankruptcy online than just typing the forms. It is not enough to list all of your creditors and all of your assets and hope for the best. Someone has to know what they are doing and that someone is either you, if you are typing the documents without help, or your lawyer or bankruptcy preparation expert. You are not an expert and reading about online chapter 7 bankruptcy on the internet is not going to make you one. The forms may look deceptively simple and you could think that there is nothing to it, but that could be a mistake. If you succeed in preparing the chapter 7 bankruptcy forms, that does not mean that you will not be in for a shock later. Play it safe and have it done by a trained professional, even if it is with an attorney and not court source. The main problem is often with your secured debts and your collateralized assets. How much of your assets can you keep after bankruptcy? If you have more than one car, what happens to them? If you have a bank account, do you lose it? If you own a house, how do you prevent the trustee from seizing it? How about all the other things that you own? Which ones can you keep? The trickiest part is knowing how to deal with secured debts. This is because secured debts are attached to your most valuable things you own. What good is it to discharge your car if you will be left without a car? What good is it to discharge your if you are going to lose your house? What do you do about all the furniture and appliances you put up as collateral for ?
Do you reaffirm the secured debts and keep the property or is there a way to discharge the secured debts and keep the collateral? Regardless of what you do, you are going to discharge a lot of debt but is it possible to discharge 100% of your secured debts and still keep the collateral debt free? Our full-service chapter 7 and chapter 13 bankruptcy solutions will enable you to: erase all of your unsecured debts, no matter how much you owe. It does not matter whether or not you remember all of your creditors or how much you owe them. They will all be discharged.
But before you think that we are just providing you how-to information, let us clear the air. We are a full-service bankruptcy typing and preparation company. This means that court source will prepare 100% of all the documents you will need for your chapter 7 filing and that we will be with you to the end of your case and beyond. It is as many as 80 typed pages. We will talk more about that shortly. All of these other informational resources come free with our typing service. If you have secured debts such as a house or automobiles or even boats and most luxury goods and you want to keep them, you will be able to keep all of them. You may choose to reaffirm some of them or to downright cram most of them down so that you pay pennies on the dollar. The choice is yours. Most people do not know about this cram down option but you will. If you have furniture or appliance and you want to keep the assets without paying a single dime more on them and without reaffirming, it is possible. There are a couple of simple steps that anyone can take to convert them from secured debts to unsecured debts and thus discharge them. Most bankruptcy lawyers do not include this in their service and certainly, no bankruptcy software can do this, but you will. We will show you how to at no extra cost. Chapter 7 bankruptcy exemptions enable you to keep a lot of your assets that you already own, without turning them over to the trustee for liquidation. The problem is that they often fall short in the important areas such as bank accounts, and vehicles. With the proper knowhow, the average person can keep just about everything they own including all their vehicles, but the key is knowing what they are doing. Please note that we are not saying that you can keep a private jet nor are we even saying that we ourselves will protect all of your assets. Even the best attorneys cannot do that. We are saying that the vast majority of consumers filing bankruptcy do not lose anything, and for those who have more property than exemptions can cover, it is still possible to keep just about everything, if they follow some simple instructions. Technical speaking, our job is to type the forms, not to guarantee asset protection or to guarantee your boat, vacation home or jet ski. However we provide free bankruptcy information on our paid site that debtors can use to protect their excess assets when exemptions run out. That is all we are saying. So if you have been worrying about what to do to protect the second or third vehicle, do not worry. There is so much more we can say about the free information on our paid site but we will refrain from listing them here. This is because we do not want to raise expectations unnecessarily beyond our core responsibility, which is typing your bankruptcy documents. You are not an expert and you should not jeopardize your label future pretending otherwise. What you do not know could hurt you. Play it safe and let us prepare your bankruptcy documents for you. We have been preparing bankruptcy documents for decades and when you put us to work, we will prepare 100% of everything you will need for a complete chapter 7 bankruptcy and then some. Our service is as good as it gets bar none.
Typing 80 pages of bankruptcy forms is asking for trouble unless you have already done this thousands of times beyond knowing what you are doing, the most difficult part of online bankruptcy filing is preparing all 60 to 80 pages of a complete chapter 7 or chapter 13 bankruptcy. If you hire a lawyer, your part in this is reduced but not entirely eliminated. Most chapter 7 bankruptcy lawyers do not prepare bankruptcies. They make the sale and then turn it over to their paralegals who in turn hand you a set of blank bankruptcy forms and ask you to fill them out on your own and bring them back. If you decide to prepare the forms yourself, after entering your name and address and a few bills, you will quickly get bogged down by the sheer volume of data you have to enter, alphabetize, correlate with other data, calculate and look up. In october 2005, in an attempt to discourage bankruptcy filing, the credit card lobby complicated chapter 7 bankruptcy filing by introducing a means test. This new law greatly complicates the process in that in addition to the already tedious bookkeeping chore of preparing the forms, you now have to look up numerous government data stored in various federal databases. You have to select the ones applicable to your family and asset structure and then import them to the documents, where you then perform the calculations, just to determine if you even qualify. Any errors in the calculations could render your bankruptcy ineffective and the only sure way to overcome this danger is to employ powerful computers that both retrieve the data from the government databases, and perform all the calculations error free. Obviously do it yourself bankruptcy filers have no access to such technology and so are forced to hiring expensive lawyers they otherwise would not need. This is where the credit card companies made their last stand and it worked marvelously. It kept people away from getting relief and instead, kept them under the thumb of the label overlords. There is only one way to have your bankruptcy documents prepared and that is to have it typed for you by a professional. This task is too complicated for do-it-alone bankruptcy software, besides the fact that there are no genuine bankruptcy software on the market. Some sites offer the same free blank bankruptcy pdf files that anyone can download for free and they repackage it and call it software. Watch out for them. If you hire an attorney that could set you back monetarily quite a bit, besides the fact that in some special situations, it could actually leave you strapped with more after-bankruptcy debt than if you used a full-service bankruptcy company such as ours. We will talk more about this later but first here is how we handle preparing the documents. We will type every single form you will need for your online chapter 7 bankruptcy filing and it does not matter whether they turn out to be 50 pages or 100 pages or more. It is the same one low fee, so you do not need to first count the number of your creditors as you would with a lawyer. There are no surprises to worry about. When people read that we do not charge extra for having many creditors, they sometimes ask if they read it correctly. Yes, the more creditors you list the more work we have to do, but rather than charge more for the extra work, we prefer to give everyone a break. To be clear, court source prepares the full gamut of documents, including but not limited to:
◦summary of schedules
◦notice to consumer debtors
◦schedule-a: real property
◦schedule-b: personal property
◦schedule-c: exempt property
◦schedule-d: secured creditors
◦schedule-e: priority creditors
◦schedule-f: unsecured creditors
◦schedule-g: executory contracts and leases
◦schedule-i: current income
◦schedule-j: current expenses
◦declaration concerning schedules
◦statement of intention
◦statement of label affairs
◦the chapter 7 means test forms
◦creditor mailing matrix
◦statement of social security number
◦various local forms
so, just because we give you so much does not mean that we cut corners on the finished documents to make it work. You get everything and then some. If you need to file a joint bankruptcy with a spouse, we will type their documents too at no extra cost. The same one low fee for an individual filer covers your spouse to. If you earn low income, you can have the court filing fee waived. We include the paperwork to waive the court fee in every chapter 7 bankruptcy that we type just in case you need it. Having the court filing fee is a big deal because that alone can save you as much as $300 out of pocket. You should note that the court does not waive the filing fee for people who have lawyers seeing that if they can afford a lawyer, they can afford the court fee. This is just one more perk of have us type your bankruptcy forms. You do not need to contact the creditors yourself to let them know that you are filing bankruptcy. Court source includes in the documents that we type, everything the court clerk will need to send out notices to the creditors. Our typed documents will stop the creditors from calling you once you file them with the court. There is no need to pay a lawyer to field the calls. The filing stops the harassing phone calls. Once you sign up with us, we direct you to our paid-customer site where you submit your information to us. Giving us your information is very easy. Unlike lawyers, we do not give you a stack of forms and ask you to fill them in and bring them back. You simply enter your information in your web browser in the easiest online intake form possible. The information you give us is stored in our system until our job is finished. You do not have to give us your information in one sitting. You can log in whenever you want to continue entering your information. So, you can start giving us your basic information when you sign up and then come back later to continue where you left off. You can access our system from any computer anywhere with your login credentials that we will give you. So you can log in from wherever it is convenient for you, from work on your break, from home or even from a public computer if you do not have one. What sort of information will court source ask from you? It will be the usual biographic information that the official court forms ask and that is, name, address, employment information, income information, a list of your main possession and your creditors. You do not even need to remember who all of your creditors are or where they are located. On our paid site, we go over all of these minor details, but it should suffice to know that you already have all the information that you will need and there is no need to first get a label or call the creditors to get information on your debts. Preparing the means test forms is always the step where all type-it-yourself filers get bogged down. Since we are the ones typing your forms, we make it so easy that you will be done with it without realizing it. You just fill in the basic information we ask for on our intake form and voilà, it is done. We do all of the government database lookups, all the complicated calculations and all of everything! Our intake form can be completed in just an hour or two and it is so easy and intuitive that most people never ask us for help with it. However, should the need arise, you should know that our customer support staff are on hand to assist you as often as you need it.
Our legendary court source customer support cannot be beat. We hold your hands from start to finish and even after you have filed the document, and you have finished with the trustee meeting and even after your case is closed. We respond to all support requests promptly and we will be there to hold your hands. If you just want someone to listen, we are there for that too. A creditor meeting without creditors and no creditor objections - a trustee meeting without judge in most cases you can and should file your online bankruptcy without hiring an attorney, but still too many people waste their money hiring an attorney out of fear and for the wrong reasons. There are several myths and misconceptions that many people fall for. Myth - 1: there is the myth that the trustee hearing or creditor meeting is indeed a "creditor meeting." this could not be further from the truth. It may be called a creditor meeting but in actuality, there is no real meeting of anybody, creditor or not. Here is how the process works. On the day of your meeting you walk into a crowded room with no place to sit. At the end of the room is a desk with a trustee and a pile of bankruptcy files. The names of the people are called off one at a time. When it is your turn, you will usually be asked three standard questions. The first one is whether or not you were coerced or forced into filing bankruptcy. The second one is whether or not you want to complete the bankruptcy process, and the third one is whether you want to change anything on the documents you filed. You answer those questions and you are done. It is that simple. The whole process will be over in under a minute. In some cases, it is over in as little as 30 seconds. You will not get to talk to any creditors because they will not be there. There is no round table or any table for that matter, for you and the creditors to sit at and talk. To repeat, you walk up, state your name and answer three standard questions from the trustee and you are done. The phrase "creditor meeting" is a holdover from corporate chapter 11 bankruptcies where multi-billion dollar companies and their creditors sit down and work out a repayment plan. They just retained the name, creditor meeting, to the confusion of consumer debtors who mistakenly think it is a real creditor meeting for them. The forum of the trustee meeting is not where a creditor can voice a concern if they have one. If they have a concern and they rarely do, they will submit it in writing, not show up at the hearing. Creditor disputes are so unlikely that lawyer do not provide for it in their basic fee, so you really have nothing to be afraid of. In short, the hearing functions as a means for the trustee to get to meet the person filing and to make sure he or she knows what they are doing.
Myth - 2: the second myth that many people fall for is to believe that a lawyer can represent them at the trustee meeting. Lawyers can no more represent you at the trustee meeting than they can represent you to watch a beautiful sunset on your behalf. It is something you have to do yourself. A lawyer can come to the trustee meeting with you, but so can your best friend or anyone else for that matter. If you bring a lawyer to the hearing, they can only state their name and no more. They cannot answer the three standard questions for you. If they try, the trustee will stop them in their tracks. So why do some people hire lawyers for their chapter 7 bankruptcy filing? They do so simply because they are afraid and they do not know any better. It is like a kid having their parent take them to school on their first day. It does not accomplish anything other than to calm them down. The one thing most people regret about their bankruptcy experience is that they let themselves get conned into paying money they did not have to hire an attorney they did not need for the trustee meeting. Your chapter 7 bankruptcy success depends solely on the documents you file, not on what happens at the trustee meeting. The meeting is merely a formality and nothing more. Myth - 3: the third common bankruptcy myth is to believe that the trustee decides the outcome of the bankruptcy. The trustees are only administrators and they have no power to make any orders or to decide anything. For chapter 7 consumer cases, their job is mostly to look over the papers and to hold the meeting. Some trustees are not even lawyers. Anyone can apply for a job as a trustee. If you are good with numbers, you too can become a trustee. If you follow the rules, the discharge of your debts is virtually an automated process. You have a constitutional right to have your debts discharged and no court or judge or trustee is doing you a favor. The trustee and the judge are there to make sure you are following the rules. Bankruptcy is strictly an administrator process and not really a legal one. It more naturally belongs in accounting and bookkeeping but because it is overseen by a judge, it has been dominated by lawyers. Myth - 4: the fourth and final myth is to believe that you will come face to face with a bankruptcy judge. If you are a consumer debtor as opposed to a business, you will never come before the bankruptcy judge. Bankruptcy judges are mostly for contested corporate bankruptcy cases where many millions of dollars are at stake. Even when the court issues you your discharge, a judge does not put his or her signature on it. The discharge notice is just a form letter mailed out by the clerk of the court which simply states the exact phrase, "all dischargeable debts are discharged." that's it. They do not even list what is discharged since it is presumed that they are all discharged. If everybody knew how unnecessary lawyers are at the trustee meeting, they would opt for having the documents typed by a full-service company such as ours, and let lawyers go after genuine legal cases. You are only a three easy steps from getting your debts discharged. Sign up today to get started.
3 easy steps sign up and give us your information on our easy online questionnaire. You can complete our questionnaire at your own pace. When you are done providing us your information, court source will go to work preparing 100% of everything you will need for you chapter 7 bankruptcy discharge. It will take us no more than one day to complete. Court source will prepare 100% of everything you need for a complete bankruptcy filing and deliver them to you by download. You can then take the mandatory online counseling class that we mentioned earlier. All you have to do is sign your name on our documents and then file them with the court by mail or in person, along with the proof of counseling that the counseling class provider will give you.
The court clerk will schedule the trustee meeting and as we said already, it is merely a formality. You show up at the meeting, answer the three standard questions and you are done. From here on you just wait to get the discharge notice in the mail. That is all there is to it and it is just that simple, provided you have us professionally prepare the documents for you...
To recap full-service chapter 7 and chapter 13 typing/preparation same day service - if you need to file today, you can. Fully ready for filing - just sign and file court source guarantees the filing discharge all your debts or keep the ones you want keep all the belongings you want, including multiple vehicles this is not do it alone software - we type everything for you same low fee of individual or joint filing list any number of creditors at no extra charge includes free court filing fee waiver at no extra charge we type the documents and you file them there are no hidden fees.