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Thinking about Filing Bankruptcy?

Use this FREE "Do it Yourself" Bankruptcy Site to see filing bankruptcy is the right solution for solving your personal debt problems.

Filing bankruptcy is perhaps the most difficult decision you'll ever make! I'm sure you have many questions about filing bankruptcy. Questions like, "Am I qualified to file bankruptcy" , "How hard is it to file on my own bankruptcy", "How much does it cost" and the most important question of all; "Can I file my own bankruptcy without an attorney?" Get answers to these questions and over 40 more with our in-depth FAQs. Select the bankruptcy chapters' links on the left.

Although I've provided a wealth of FREE information that will answer most of your questions, let me be perfectly clear here; filing bankruptcy should be your last resort ! You always have the option to file yourself or hire an attorney but BEFORE deciding you should arm yourself with as much information as possible. You especially need to know the difference between Chapter 7 and 13 because they offer very different forms of protection. I highly recommend consulting a bankruptcy attorney before deciding what to do!

To help you learn whether bankruptcy is right for you, use of this
FREE no obligation Legal Evaluation from a qualified local bankruptcy attorney. If you prefer to speak with a person rather than use the form, please call (877) 204-9754. There is no obligation and the call is FREE!

IMPORTANT: A change to the bankruptcy law, effective October 17, 2005, requires credit counseling from a government approved organization sometime within the six month period before filing for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy. Learn more...

Why is this bankruptcy site absolutely FREE? If you are wondering why anyone would offer so much bankruptcy information free? The answer is simple. I was in your shoes once and remember how it feels to panic every time the phone rings because I just knew is was a debt collector!

Back then I thought filing bankruptcy was my best option for getting out of debt and for getting a fresh start in life. However, I wasn't sure so I called attorney after attorney trying to get answers to a few simple questions. Every lawyer wanted a fee first and of course I couldn't afford that so, I started researching the bankruptcy laws and, after several months I not only had the answers I needed, I learned along the way that filing bankruptcy is not always the best answer. There are a lot of issues to consider before filing...and this site covers those issues on the chapter-specific bankruptcy pages.

Using my research, I've provided in-depth explanations of bankruptcy chapters 7, 11, 12, and 13 with an extensive list of frequently asked questions (FAQ) plus a list of state and federal bankruptcy exemptions along with a list of the advantages and disadvantages of filing bankruptcy. You'll discover how much it costs to file each bankruptcy chapter and where to file with my state-by-state listing of all federal bankruptcy courts. On this site you'll quickly learn how the bankruptcy process works and why you do not always need a lawyer to file bankruptcy.

SPECIAL NOTE: The Bankruptcy Reform Bill was passed in 2005 and it dramatically changed the consumer bankruptcy laws. Although most people are still eligible for relief under the new bankruptcy laws, the new laws are considerably more complex so it's wise to consult with a qualified bankruptcy attorney to see if you qualify.
Get a FREE legal evaluation from an experienced bankruptcy attorney

CAUTION! Filing Bankruptcy is not always the best choice! It should only be pursued after careful consideration of all alternatives to bankruptcy. Because the new Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires consumers to receive credit counseling before being allowed to file bankruptcy...options such as nonprofit debt consolidation, consumer credit counseling and debt consolidation loans should always be considered first because they do less damage to your credit!
Click here for options before making a final decision...

Thousands of people, who never thought they could file bankruptcy, have filed and are now...Debt Free!

If you've got a pile of debt, a sinking self esteem, a ringing phone, and a lot of stress...then bankruptcy might be your best option...

But, it's important to know that the typical bankruptcy consists of over 40 pages, all written in legalese, which even some attorneys find confusing. You must list on the bankruptcy forms all debts, income, property, exempt and nonexempt assets...this part can be quite intimidating and confusing.

You'll find plenty of bankruptcy kits, bankruptcy forms and on-line bankruptcy software and each of these serve a very real purpose however, most of these options leave you on your own with no one to check your math or make sure you file the right forms for your situation.

If your bankruptcy paperwork contains any mistakes or you forget to include information, you run the risk of having assets taken away that should have been exempt.

If you have assets (home, cars, land and so forth), then it's in your best interest to consult with a bankruptcy attorney. If you're broke and have no assets to worry about then you can probably file your own bankruptcy, however; it's still a good idea to have a legal professional look over your petition. Afterwards, you can still file bankruptcy yourself and save hundreds, maybe even thousands of dollars in legal fees and...you'll also have peace of mind knowing your petition is correct. FREE on-line Bankruptcy Assessment