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“Pro se” or do it yourself filing without the assistance of an attorney is the cheapest way of filing bankruptcy. Although you can download the official bankruptcy forms for free, you should at least consider buying a complete bankruptcy kit that is valid for your local state laws. The kit should also contain all the necessary forms with comprehensive instructions on how to fill it up with your data. Some bankruptcy software is designed exclusively for Chapter 7 only while others include Chapter 13 also. One of the most important factor to consider in choosing the right bankruptcy product is how up-to-date the forms and instructions are. For example, there is a recent update to the court-mandated forms last December 2008. Don’t just settle for the cheapest do-it-yourself kit that you can find. Always check the accuracy and completeness of the product you are about to buy.

Important Factors to Consider When Buying a Bankruptcy Kit

• Must include information on how to fill out the ‘Means Test’ form to determine the type of bankruptcy you will file. You should be able to learn how to calculate your median income with easy instructions.
• Up-to-date legal content and instructions.
• Must produce forms that are legal and valid for your local bankruptcy court. [click to continue…]

If you have visited the Official Bankruptcy Forms download page of the U.S. Bankruptcy Court, then by now you are confused already. You’re probably asking yourself “Which forms are needed for Chapter 7… for Chapter 13?” There’s a lot of paperwork involved in filing bankruptcy yourself. Don’t worry, you’ll get the checklist of what federal forms you need shortly. For now you must know the big difference between the free version and the commercial version of the court forms.

Compare the screenshots of the free and the commercial version below.

Portion of the fillable official court Form B1 - Voluntary Petition (Free Version)

The instructions manual on how to fill out the form is on another PDF file. You need to download it separately. Compare it with the sample from the commercial version below. [click to continue…]

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Do you wonder on how to file bankruptcy with the current budget that you have? Declaring bankruptcy is not an easy thing to do. This article will teach you the three different ways on how to file for personal bankruptcy. Pick the solution that works best for your current budget.

The Safest Method: Hire a Personal Bankruptcy Lawyer

You should first consider the posibility of hiring an affordable bankruptcy lawyer full-time. This method is the safest way because your attorney will guide you through the entire process. The attorney will be the one to prepare your case and file it to the Federal Bankruptcy Court. The only downside to this method is that it is expensive if you don’t know how to screen lawyers to your advantage. There is a smart way of testing this method without spending a single dollar. Most lawyers offer a free initial consultation online or over the phone with no obligation to hire. Take advantage of those free offers! Don’t just find a lawyer — you should find the RIGHT local lawyer for your budget. [click to continue…]