Bankruptcy
Facing overwhelming debt can be stressful. We prepare all required bankruptcy petitions, schedules, and forms for Chapter 7 and Chapter 13 filings — all for a flat fee.
What This Service Covers
Filing for bankruptcy is a significant decision, but for many people it provides a path to a fresh financial start. We prepare all required bankruptcy petitions, schedules, and related forms for Chapter 7 (liquidation) and Chapter 13 (reorganization).
Chapter 7 is for those with limited income who can discharge most debts; Chapter 13 is for those with regular income who need time to pay off debts through a repayment plan.
Who Needs This Service
- Individuals overwhelmed by credit card debt
- People facing medical bills they can't pay
- Those with unsecured debts needing a fresh start
- Wage earners needing a Chapter 13 repayment plan
Documents We Prepare
- Voluntary Petition
- Schedules A through J
- Statement of Financial Affairs
- Statement of Current Monthly Income (Means Test)
- Chapter 7 or Chapter 13 Plan
- Credit Counseling Certificate
- Declaration Regarding Electronic Filing
The Process
Consultation
We review your financial situation and determine which chapter applies.
Prepare Forms
All petitions, schedules, and statements are prepared with your financial data.
File
Your complete packet is organized for filing with the bankruptcy court.
Frequently Asked Questions
Can I keep my house and car if I file for bankruptcy?
In many cases, yes. Both Chapter 7 and Chapter 13 have exemption rules that protect certain assets. We prepare the forms that allow you to claim your exemptions.
How long does a bankruptcy take?
A Chapter 7 bankruptcy typically takes about 4-6 months from filing to discharge. A Chapter 13 plan lasts 3-5 years.
Do I need an attorney to file for bankruptcy?
You can file pro se (without an attorney). We prepare all the documents; you represent yourself at the Meeting of Creditors. For complex cases, an attorney may be advisable.
Ready to Get Started?
Contact a By The People office near you for bankruptcy document preparation.