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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

1

Consultation

We review your financial situation and determine which chapter applies.

2

Prepare Forms

All petitions, schedules, and statements are prepared with your financial data.

3

File

Your complete packet is organized for filing with the bankruptcy court.

Frequently Asked Questions About Bankruptcy Document Preparation

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 for a Fresh Financial Start?

Contact a By The People office near you for flat-fee bankruptcy document preparation. Free, no-obligation quote — response within 24 hours.

Chapter 7 and Chapter 13 bankruptcy petitions, schedules, and means test forms prepared by experienced document preparers.

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