paralegal website

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The court Will NOT waive the filing fee if youhire a bankruptcy attorney!

We include the fee waiver in every bankruptcy that we prepare so that

you can get the court filing fee waived. This can save you more than $300in court filing fees. But an attorney will not tell you this.

Why pay $300 or more in court fees if you donot have to?

The court usually assumes that if you can afford an a attorney, you

can afford the court filing fee. If you cannot afford an attorney, theopposite is easily presumed.

Handling bankruptcy is easy if you do it thousands of times a

year but if you file a bankruptcy every now and then, you can getrusty. That is the problem with most attorney preparedbankruptcies. They often have to be redone because of attorneyerrors.

We prepare bankruptcies by the thousands yearly, one at a time,

whereas the average attorney prepares a just a few each year. Infact, most of the time, they do not even prepare them.

They hire document experts like us to prepare their client'sbankruptcy just because we can do it better. You may besurprised to learn that we have prepared bankruptcy filings

for attorneys who turn around and sold it to their clients for a lotmore. We are not attorneys but we are the best at preparing thedocuments.

The average bankruptcy attorney is a salesman. Their job is to

sign you up for as much money as they can and then they turn itover to their clerical staff to prepare. They are often not even asfamiliar with bankruptcy law as you would expect them to be.

The reason is simple. Bankruptcy is more about piles of

paperwork, sorted and collated -- numerous lists of all whatnot,calculated and summarized every which way, than it is about lawper say.

Bankruptcy attorneys can talk to you but they cannot talk for you

at the trustee hearing. Trustees rely 100% on the paperwork andmany trustees will not even allow the attorney to say anything,


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other than to introduce themselves and to ask for a rescheduling ifthey have made mistakes.

The trustee hearing lasts for only a few minutes and you are

usually asked a few questions such as, if you want to go throughwith the bankruptcy and if you want to make changes. Your

biggest surprise will be how quickly it is all over and why you letan attorney scare you into hiring him or her in the first place.Creditors cannot object to your bankruptcy at this hearing.

Hardly ever does a creditor dispute the discharge and if it is

going to happen, it CANNOT happen at the trustee hearing. In therare event that a dispute is filed by a creditor, it is done by filing amotion. Also, a creditor can only dispute the discharge of the debtyou owe them. They cannot dispute any other debts. If it happensthough, you can hire an attorney or file a simple form to answerthe dispute at that time.

Creditor disputes are so rare that attorneys do not include them in

the fee they charge you for filing bankruptcy. If that happens,they will charge you separately anyway, so it does not make senseto get scared into hiring an attorney you cannot afford, forsomething you will not need.

A bankruptcy attorney cannot stop creditors from call you.

The bankruptcy filing is what stops the creditors. The court sendsthem a notice to stop harassing you. Yet many bankruptcyattorneys collect thousands of dollars from naive clients, on the

promise to stop the phone calls.

Consumer bankruptcy is mostly accounting, but because attorneys

wrote the law, they gave it the appearance of law rather thanbookkeeper and accounting, where it naturally belongs.

Unless you have a corporate business, you do not need a bankruptcyattorney to do what we can do for you at a mere fraction of the cost.

Now you can get the same bankruptcy prepared for you at the wholesaleprices that attorneys pay.

You do not need to know anything about bankruptcy law to have us helpyou because we do everything for you. But if you like to educate yourself,we have an excellent section on the law that you can explore.BankruptcyLaw Reference

Here is how it works.

We do everything for you.
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We prepare 100% of everything you will need for a complete personalbankruptcy so all you do is sign your name and turn them in.

We hold your hand all the way.After preparing your bankruptcy, we guide you through the process sothat you are never alone.

1. We tell you exactly where and how to file it. It is as simple asmailing our documents to the court after you have signed them.

2. We guide you step by step so that you know what to expect at alltimes.

3. We will answer all of your questions, no matter how many theyare. Contact as as often as you like, before, during and after filingand we will answer your questions.

4. We hold your hands so that you are never alone.

If you cannot afford to pay the filing fee, you do not have

to.We include a filing fee waiver in every bankruptcy that we prepare so thatyou can have the court fee waived. This alone will save you $300 ormore.

Our bankruptcy law reference,Has been rated the "best consumer bankruptcy law resource" on theinternet and is often quoted by attorneys and by other bankruptcyservices. It is right here and only a click away.

We do more than prepare perfect bankruptcies -- we make the whole

process incredibly easy! Here is what we will do for you...

1. We will prepare everything that you will need for a completeChapter 7 bankruptcy. It includes all 40 or more pages of theschedules, statements, etcetera. All you do is sign your name andsend them to the court.

Here is a partial list of what we will prepare for you...

Voluntary Petition

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
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Schedule-H: Co-debtors

Schedule-I: Current Income

Schedule-J: Current Expenses

Declaration Concerning Schedules

Statement of Intention

Statement of Financial Affairs

Creditor Mailing Matrix

Statement of Social Security Number

Various local forms

And more

2. Our documents are always up-to-date and accepted in every

bankruptcy court in every state. We guarantee it.

3. We have prepared more than 15,000 bankruptcy cases and NONEhave ever been rejected by any court in any state -- and that is

the secret behind our 200% money-back guarantee. In contrast,most bankruptcy filings done by do-it-yourselfers get rejectedrepeatedly and many lawyer-prepared bankruptcies do not farebetter.

4. If you need to file ajoint bankruptcy with your spouse, we willinclude him or her at no extra cost. There are no hidden fees, noadd-ons, no extras.

5. If your bankruptcy court requires the creditor address list on adiskette, we give it to you formatted for easy copying to diskette.

(Bankruptcy kits and software cannot help you with this.)

6. If you want to keep on paying some debts in spite ofbankruptcy, for example, your house, car or some cards, weprovide you the reaffirmation agreement tools to make it possible.(No one else does this for you.)

7. We will accept an UNLIMITED number of creditors,collection companies, etcetera, so you do not have to fear gettingbumped up in price for having many creditors. (Attorneys andparalegals often charge as much as $20 for each creditor after the

first five.) Pile on the bills. We can take it.8. We will also accept any number of property listings so that you

don't have to worry about being charged extra. One low flat feedoes it all.

9. What is bankruptcy preparation without oodles and oodles ofchanges? You can change your information as often as you like and we will not charge you a penny more.


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10. Think about it. With paper forms and kits, if you type the

forms and later remember another bill, you have to start all overagain in order to keep the list in alphabetic order. You may be thebest typist in the world but when you have to prepare intricatebankruptcy documents and tear them up to start all over again 7 or

8 times, it will get to you. (Pile up the changes on us. We cantake it and there is no extra charge.)

11. We usually complete the documents in a few hours notdays. If you hire an attorney or paralegal, be prepared to wait acouple of weeks to get your papers back.

12. Our bankruptcy will stop the creditors from calling orbothering you right away. You do not need to pay hundreds ofdollars to an attorney to answer your collection calls.

13. You do not need to contact the creditors or to send themletters. We see to it that your bankruptcy documents haveeverything that the court clerks will need to send the notices foryou. (It is about time the bureaucrats worked for you. Sit back andlet them contact your creditors for you, telling them to leave youalone.)

Please note that if you use bankruptcy software or paper forms,you run the risk of screwing up vital parts of it and then beingasked by the court to manually contact the creditors yourself.

14. You do not need to make photo copies because you getas many copies with us as you need.

15. Imagine going to a doctor and being told to operate onyourself. That is pretty much what happens with almost all thebankruptcy attorneys, paralegals, and bankruptcy programs. Theymake you fill out 30 to 40 pages of the same bankruptcy formsthat they are supposed to type for you, just so that they can havethe information in an easy to retype form. (The thought of it is justunsettling.)

With us, we give you the absolute easiest online questionnaireimaginable. You never type anything twice and what you do enterrequires no thinking, pondering, figuring out or organizing. Giveus your information in any order you want and as disorganized asyou like and we will make sense out of it. You can fill out ourquestionnaire in minutes compared to literally days with others.

16. What's more, you do not have to finish giving us yourinformation in one sitting. You can save your information in ouronline questionnaire with the click of a button and come back


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days later and continue where you left off, change what youalready entered or just add more. (By now you are beginning toget our slogan, "there is no extra charge".)

17. We answer all of your questions, no matter how many theyare. Contact us as often as you like, before, during and after

your bankruptcy. We are always there to help you. We hold yourhands every step of the way so that you are never alone.

18. Our privacy policy is simple. We never share yourinformation with anyone but you, PERIOD!

19. We guarantee that your bankruptcy will be accepted bythe court or your money back!

A common misconception is to think that hiring a lawyer will ensure asmooth bankruptcy. In fact, the truth is that as is the case with do-it-yourselfers, a large number of lawyer prepared bankruptcies getrejected and have to be redone or corrected two or more times. Incredibleas it sounds, you only have to read our past customer courtroom reportsbelow to be convinced.

Why do so many lawyer-prepared bankruptcies hit the rocks? Toanswer this question, you must understand that bankruptcy lawyers do notprepare bankruptcy documents. Preparing 40 to 100 pages of repetitivefinancial data and statistical mumbo-jumbo is not what they are good at.They are good at making the sale and getting you to sign their five pageretainer agreements. It is their office staff that prepare the documents andquite often, these people do not have much experience or training. Also,because of their high prices, most lawyers do not prepare more than 10 to15 bankruptcies all year and that is too little experience to rely on.

What is it like to appear in bankruptcy court?

Here are eyewitness accounts.

Wouldn't it be nice if you could know exactly what happens when yougo to bankruptcy court.

Is there a judge?

What do they look for?

What do they ask you?

What do you say when they call you up?

What do you wear to the hearing?


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Lucky for you, we asked the same question to dozens of other pastcustomers .

Here is what we asked them:

"Describe what it was like for you when you went for your bankruptcy

hearing."

What we got back from them will amaze you. First, you do not appearin front of a judge. Second, they ask you only a coupe of questions suchas whether or not you want to go through with the bankruptcy. For mostpeople, the whole process lasts only one minute or less.

Their responses are NOT testimonials but valuable insight that can helpguide you and put your mind at ease about the court process. We have toomany of them to post on this page but we have displayed a few in thedisplay bar to the right.

Perhaps the most notable part of it all is that the thousands of feedbackwe got said unanimously that they were very happy that they did notwaste their hard earned money on hiring an attorney to go to thehearing with them.

If that sounds strange, it is because at the bankruptcy hearing...

1. You cannot be represented by any attorney in the usual sense.An attorney can accompany you there but he or she cannot takeyour place or talk for you. You must appear in person.

2. If you appear with an attorney, he or she is not allowed to

speak for you. You must answer the one or two easy questionsthat you will be asked.

(So here is the picture. You pay many hundreds of dollars for anattorney to show up at the hearing with you. When you get there,the attorney only reads his or her name into the microphone, sitsdown and is done. He or she cannot answer any questions for youor even tell you what to say. The trustee asks you, "are you surethat you want to go through with it and is the information on your

documents correct?" You answer yes to both questions and you aredone, PERIOD.)

3. In fact, in some situations, you are better off going to thehearing without an attorney even if you can get one for free.That may sound radical but it is backed by eyewitness accounts ofsome debtors.

How can going to your trustee meeting with an attorney be


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disadvantageous in some situations? Granted, it is rare for an attorney tohurt your bankruptcy, but it can happen. Here is an actual event thattook place for some unfortunate rich debtor.

A man goes to his bankruptcy hearing and is asked by the trustee

how much he paid his attorney. When the trustee hears the huge amount

the man paid, he decides to really interrogate this debtor. In the process heturns up lots of stuff that was not on the bankruptcy papers and thencompels the debtor to write him a fat check for many thousands ofdollars.

The moral of the story is thatif you appear at the hearing without anattorney, the presumption is that you are too broke to afford one andthat you deserve to have you debts discharged without wasting the time ofthe other people who are waiting their turn at the hearing.

Stated another way, if you show up at the hearing with an

attorney, it can often be seen as a possible sign that youmight have something to hide and that you have beencoached by the attorney on how to beat the system.

Now, that does not mean that you should not hire an attorney if you arethe nervous type or if you have medical or psychological issues and needan attorney to hold your hand. If you own a business or have acomplicated case, consultation with an attorney is highly recommended.

Bankruptcy can be good for your credit...Better yet,

bankruptcy can be removed from your credit in months ratherthan the usual 10 years.

This page covers Chapter 7

Click here Chapter 13

Bankruptcy Preparation

We have prepared well over
http://bridgeportamerican.com/bridgeport/13index.asphttp://bridgeportamerican.com/bridgeport/13index.asp


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15,000 bankruptcy cases and more than

225,000 bankruptcy documents.

We have the experience to handle yours.

And we have never had a bankruptcy

rejected by any court!

And that is impressive when you consider that we have prepared

more than 225,000 documents.

We can complete your bankruptcy inone day or injust a few hours.

And we back it with a 200% money-back guarantee.

The court Will NOT waive the filing fee if you

hire a bankruptcy attorney!

We include the fee waiver in every bankruptcy that we prepare so thatyou can get the court filing fee waived. This can save you more than $300in court filing fees. But an attorney will not tell you this.

Why pay $300 or more in court fees if you donot have to?

The court usually assumes that if you can afford an a attorney, youcan afford the court filing fee. If you cannot afford an attorney, theopposite is easily presumed.

Handling bankruptcy is easy if you do it thousands of times a

year but if you file a bankruptcy every now and then, you can getrusty. That is the problem with most attorney preparedbankruptcies. They often have to be redone because of attorneyerrors.


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We prepare bankruptcies by the thousands yearly, one at a time,

whereas the average attorney prepares a just a few each year. Infact, most of the time, they do not even prepare them.

They hire document experts like us to prepare their client's

bankruptcy just because we can do it better. You may besurprised to learn that we have prepared bankruptcy filings

for attorneys who turn around and sold it to their clients for a lotmore. We are not attorneys but we are the best at preparing thedocuments.

The average bankruptcy attorney is a salesman. Their job is to

sign you up for as much money as they can and then they turn itover to their clerical staff to prepare. They are often not even asfamiliar with bankruptcy law as you would expect them to be.

The reason is simple. Bankruptcy is more about piles ofpaperwork, sorted and collated -- numerous lists of all whatnot,calculated and summarized every which way, than it is about lawper say.

Bankruptcy attorneys can talk to you but they cannot talk for you

at the trustee hearing. Trustees rely 100% on the paperwork andmany trustees will not even allow the attorney to say anything,other than to introduce themselves and to ask for a rescheduling ifthey have made mistakes.

The trustee hearing lasts for only a few minutes and you areusually asked a few questions such as, if you want to go throughwith the bankruptcy and if you want to make changes. Yourbiggest surprise will be how quickly it is all over and why you letan attorney scare you into hiring him or her in the first place.Creditors cannot object to your bankruptcy at this hearing.

Hardly ever does a creditor dispute the discharge and if it is

going to happen, it CANNOT happen at the trustee hearing. In therare event that a dispute is filed by a creditor, it is done by filing amotion. Also, a creditor can only dispute the discharge of the debtyou owe them. They cannot dispute any other debts. If it happensthough, you can hire an attorney or file a simple form to answerthe dispute at that time.

Creditor disputes are so rare that attorneys do not include them in

the fee they charge you for filing bankruptcy. If that happens,they will charge you separately anyway, so it does not make senseto get scared into hiring an attorney you cannot afford, forsomething you will not need.


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A bankruptcy attorney cannot stop creditors from call you.

The bankruptcy filing is what stops the creditors. The court sendsthem a notice to stop harassing you. Yet many bankruptcyattorneys collect thousands of dollars from naive clients, on thepromise to stop the phone calls.

Consumer bankruptcy is mostly accounting, but because attorneys

wrote the law, they gave it the appearance of law rather thanbookkeeper and accounting, where it naturally belongs.

Unless you have a corporate business, you do not need a bankruptcyattorney to do what we can do for you at a mere fraction of the cost.

Now you can get the same bankruptcy prepared for you at the wholesaleprices that attorneys pay.

You do not need to know anything about bankruptcy law to have us helpyou because we do everything for you. But if you like to educate yourself,we have an excellent section on the law that you can explore. BankruptcyLaw Reference

Here is how it works.

We do everything for you.We prepare 100% of everything you will need for a complete personalbankruptcy so all you do is sign your name and turn them in.

We hold your hand all the way.After preparing your bankruptcy, we guide you through the process sothat you are never alone.

1. We tell you exactly where and how to file it. It is as simple asmailing our documents to the court after you have signed them.

2. We guide you step by step so that you know what to expect at alltimes.

3. We will answer all of your questions, no matter how many theyare. Contact as as often as you like, before, during and after filingand we will answer your questions.

4. We hold your hands so that you are never alone.

If you cannot afford to pay the filing fee, you do not have

to.We include a filing fee waiver in every bankruptcy that we prepare so thatyou can have the court fee waived. This alone will save you $300 ormore.
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You will receive the highest quality documentsguaranteed to accepted by the courts or your money back.

Chapter 7 Orders OnlyClick to Signup

Also remember that we offerspecial discount pricing.

Transaction Security: Payments processedon Secure Server (256-Bit SSL Encrypted)

Use this link for Chapter 7 only. Click

here for chapter 13.

---- A recent email message 11:14:09 AM ----My bk is done and I do not need anything more, but I wanted you toknow that my Trustee hearing was today and he told me that he wasactually suspicious of my filling because my submitted forms wereperfect!! Thanks Bridgeport for your service!Joe

----Our reply sent at: 12:29:02 PM ----Some people ask if we are legit and even if we posted your words, theywill still doubt that you are a real person. Thanks a million for your emailand good luck with everything.

Eviction

If you are facing eviction, your biggest problem is time running out on you.The eviction process runs like clockwork and unfortunately, the judge, thelandlord and their lawyer do not care whether you move out into thestreets with your family. All they want is to get their apartment or house

back.

You do not have the time to figure things out and the judge will not delaythe eviction because he or she feels sorry for you. For right now, the onlything that will buy you more time is to file a simple Chapter 7 bankruptcy.Filing bankruptcy is not a permanent solution though. It will only delay theeviction process, hopefully, enough for you to find another place to live.

If you have debts that you wish to get rid of, the bankruptcy will get rid ofthose debts such as the past rent that they want from you, the landlord's
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attorney fees, all your delinquent utility bills, credit card bills, medical bills,and just about any other debt you can think of.

There are some people who file bankruptcy only for the purpose ofslowing down the eviction process and do not really want to go throughwith it. What they do is that after filing bankruptcy, they fail to attend themandatory trustee meeting in which case the trustee automatically

dismisses the bankruptcy. It may be an easy way to buy time but manypeople consider it an abuse of the process since the original idea behindfiling bankruptcy is to get rid of debts. Even though this method of filingbankruptcy and then having it dismissed works, we do not suggest thatyou do so. If you are going to file bankruptcy to delay your eviction, usethe opportunity to wipe out all of your debts and get yourself a brand newstart.

How does bankruptcy buy you time and what exactly must you do? Whenyou file bankruptcy, all law suits against you must stop, at lease for thetime being. Also, the sheriffs, marshals or police are not allowed toproceed with throwing you out on the streets until a bankruptcy judge saysthat can. That means that after you file bankruptcy, your landlord's lawyer

has to get a date in bankruptcy court to ask the bankruptcy judge to allowthe eviction to resume. That process takes time and that is what buys youtime.

After filing bankruptcy, you need to immediately notify the landlord or hislawyer, and if the case is now in court, you need to notify the eviction

judge. If it has passed the eviction judge and is now in the hands of thelaw enforcement officials who are supposed to put you out, then you needto notify them. You do this by showing them a copy of the bankruptcybearing the bankruptcy file stamp that you will get when you file thebankruptcy.

We cannot give you legal advice but we will prepare everything you will

need for your bankruptcy and we will hold your hands from start to finish. Ifyou need legal advice, talk to a licensed attorney.

Foreclosure

If you are facing eviction, your biggest problem is time running out on you.The foreclosure process runs like clockwork and unfortunately, themortgage company and their lawyer do not care whether you move out

into the streets with your family. All they want is to get their house back.

The foreclosure process varies from state to state and by now youprobably know what that process is in your state. If you are facingforeclosure and you do not know your legal rights, you should talk to a realestate attorney before doing anything. Do not file bankruptcy until youhave been told that filing a bankruptcy will be in your best interest.

Which type of bankruptcy you file will depend on your situation and onyour goals. We have a detailed consumer law reference on our site that


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you can read to become more familiar with the differences betweenChapter 7 and 13 bankruptcies.

If you know that you are not going to be able to keep your house and needto delay the foreclosure, filing a Chapter 7 bankruptcy may be your bestbet, but if you know that given more time to get caught up on your backpayments, you can keep your house, then you may want to talk to an

attorney about the merits of a Chapter 13 bankruptcy.

If you file a bankruptcy, it must be filed before the foreclosure sale. Youmay want to read our article on eviction since eviction usually followsforeclosure.

We cannot give you legal advice but we will prepare everything you willneed for your bankruptcy and we will hold your hands from start to finish. Ifyou need legal advice, talk to a licensed attorney.

Wage Garnishment

If your wages are being garnished, you cannot afford to waste time deciding what to do. Wage garnishmentcan be stopped by bankruptcy and we can help. We know the ins and outs of how how wage garnishmentworks and what one must do to stop it. If you act quickly, you can even get some of the money that has beentaken from your pay check returned to you.

Most garnishments are for the repayment of court judgments against you and some are for thebenefit of government agencies for such things as back taxes and child support. Bankruptcy willstop just about all wage garnishment except child support.

Most wage garnishment is processed through law enforcement agencies such as the sheriffs, marshals or anagency empowered by your state for that purpose. What happens is that your employer takes the garnishmentamount from your pay check and sends it to the law enforcement agency which in turn sends it to the creditor.In some states, the enforcement agency holds the amount collected for a couple of weeks before sending it tothe creditor.

If the creditor is a governmental agency, the garnishment is usually processed by a branch of the governmentauthorized for that purpose.

When you file bankruptcy, even though the court will on its own notify all of the creditors, it is best for you tonotify the enforcement agency by yourself. This is because the creditor will most likely not want to obey the law

immediately and stop the garnishment and the last thing you need is for the garnishment to drag on for severalmore weeks before it stops.

Once you notify the enforcement agency, they will immediately terminate their collection of garnishment andwill refuse to accept any more money from your employer. As a big side benefit, they will hold any money thatthey have collected which they have in their possession until the bankruptcy has been discharged, at whichtime they will return it to you.

While the enforcement agency is not exactly a creditor, you should list them as creditor as well as list them asa party in possession of your property. You do so by listing the amount held by the enforcement agency as part


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of the bankrupt estate and you apply exemption laws to protect that property. Listing the enforcement agencyas a creditor will cause the court to send them official bankruptcy notices as the case progresses. If at the endof the bankruptcy, they do not return the amounts that they have in their possession, you can ask the court tocompel them to do so.

Notifying your employer may not help you since they are not a direct party in the collection process. You mayneed to notify your employer if your state uses the employer as the collection or enforcement agency and there

is no other intermediary to whom the money is sent en route to the creditor.

You notify the appropriate party by showing them a copy of the bankruptcy bearing the bankruptcy file stampthat you will get when you file the bankruptcy. Please note that you are not required to notify anyone about thefiling of your bankruptcy since the court will do that for you. Notifying the enforcement agency just speeds upthe process and could save you some dough.

Hire us to prepare your bankruptcy and you can stop the garnishment as soon as today instead ofseveral weeks as is the case with others. We will hold your hand from start to finish so that yourare never alone.

We cannot give you legal advice but we will prepare everything you will need for your bankruptcy and we willhold your hands from start to finish. If you need legal advice, talk to a licensed attorney.

Lawsuits

If you are being sued, bankruptcy can stop the lawsuit before it goes to judgment and if it has already gone tojudgment, bankruptcy can wipe out the judgment. It is best to stop the lawsuit before it goes to judgment for anumber of reasons. For one, some judgments turn into liens and liens often require additional court processingto get rid of.

Hire us to prepare your bankruptcy and we will get it done quickly, usually within hours. And because we haveprepared numerous bankruptcies involving lawsuits you can count on the highest quality possible.

It does not matter how much you own or how much you are being sued for and it does not matter what threatsthe creditor has made against you. The lawsuit will stop immediately upon filing and you will not have to everrepay the debt.

Hire us to prepare your bankruptcy and you can stop the lawsuit as soon as today instead ofseveral weeks as is the case with others. We will hold your hand from start to finish so that yourare never alone.


Repossession

If your car, boat or other property is about to be repossessed or has been repossessed, you cannot afford towaste time. Repossession can be stopped by bankruptcy and we can help. We know the ins and outs of howhow repossession works and what one must do to stop it. If you act quickly, you can stop the repossessionfrom taking place.

If you can file bankruptcy quickly enough, you can stop the repossession of your car, boat or other


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property as quickly as today and we can help. We can usually complete your bankruptcy within afew hours.

Here is how it works. Once you file the bankruptcy documents that we prepare for you, the court clerk stamps acase number on your papers and give you a copy. The filing of the bankruptcy means that your creditorscannot proceed to repossess your property but what if they repossess it before they find out that you have filedbankruptcy. Yes, the court sends your creditors a notice in he mail but that could take a couple of weeks to

happen, so what do you do in the mean time? Your best bet is to notify the creditor who is about to repossessyour property by yourself.

You notify the appropriate party by showing them a copy of the bankruptcy bearing the bankruptcy file stampthat you will get when you file the bankruptcy. Please note that you are not required to notify anyone about thefiling of your bankruptcy since the court will do that for you. Notifying the creditor just speeds up the processand could save you some dough. If they repossess the property after they have been notified, you are entitledto get the property back.

After stopping the repossession, you will still need to take additional steps to keep the property permanently ifthat is your intention. We discuss keeping property in our online law reference on this site.

Hire us to prepare your bankruptcy and you can stop the repossession as soon as today instead

of several weeks as is the case with others. We will hold your hand from start to finish so that yourare never alone.


Taxes

Various types of tax debts can be discharged by filing a regular Chapter 7bankruptcy, however there a few simple rules to observe. The basic rule is

the three year rule which essentially requires the tax debt to be at leastthree years old.

There a few minor procedural consideration dealing with the filing of taxreturns and "service of process" which you can learn more about on oursecure site after registering with us.

Just about all types of back taxes can be discharged in bankruptcy and itdoes not matter how much the debt is. If you know what you are doing, itcan be as simple as file a Chapter 7 bankruptcy and doing nothing else.

Hire us to prepare your bankruptcy and you can have it done as soon astoday instead of several weeks as is the case with others. You will also

learn what steps to take to get rid of your taxes.

We cannot give you legal advice but we will prepare everything you willneed for your bankruptcy and we will hold your hands from start to finishso that you are never alone. If you need legal advice, talk to a licensedattorney.

Student Loans


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Government guaranteed student loans are probably the least understoodtype of debt when it comes to what bankruptcy can do.

Just about all other debts can be gotten rid of simply by filing a Chapter 7bankruptcy and doing nothing else. For student loans, you still have to fileChapter 7 bankruptcy but after that, you would have to file a complaint toget the loan discharged.

Not all student loans can be discharged by bankruptcy. There are twobasic rules that govern the process and they are the seven year rule andthe hardship rule. These rules are beyond the scope of this discussion,however we discuss these in greater detail on our free resource availableto our registered customers.

It is generally not smart to file bankruptcy only for student loans. If all youowe are student loans, then chances are that you have sufficient incometo pay them off without bankruptcy. On the other hand, if you are

overwhelmed by debt, chances are that you will qualify to discharge yourstudent loans.

Whether or not you have student loans, it all starts with filing an ordinaryChapter 7 bankruptcy like everyone else.

Hire us to prepare your bankruptcy and you can have it done as soon astoday instead of several weeks as is the case with others. You will alsolearn what steps to take to get rid of your student loan.

We cannot give you legal advice but we will prepare everything you willneed for your bankruptcy and we will hold your hands from start to finish. Ifyou need legal advice, talk to a licensed attorney.

Credit Card Bankruptcy

Chapter 7 is usually the best type of bankruptcy to file if you have a lot of credit card debt. You almost couldsay that it was designed especially for credit card debt.

There is no minimum or maximum amount you have to owe to in order to have Chapter 7 to work for you.Credit card debt is unsecured and there is no collateral to worry about loosing. Chapter 7 is good for muchmore than credit cards debts. It wipes out just about all imaginable debts.

We have prepared more bankruptcies dealing with credit card debt that just about anyone elseother there and that means experience. Hire us to prepare your bankruptcy and you can count onthe fastest and easies bankruptcy possible. We will hold your hand from start to finish so that yourare never alone.

After your debts have been discharged, they never have to be repaid again. Also, you can start rebuilding yourcredit right away. We provide you information that will help you rebuild your credit later on this page.

If you have decided to file bankruptcy, avoid the temptation of running up your debts just before filing. It is not


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right to take money that you have no intention of repaying.

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