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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…]

How much does it typically cost to hire a lawyer for a bankruptcy case? This is one of the many questions a filer wants to know before considering bankruptcy as a debt elimination solution. Many individuals want the cheapest because they do not have a budget to retain the services of a legal profesional. Others do not want a do-it-yourself bankruptcy solution and want the services of a reliable attorney.

What if you can find a means to reduce the cost of hiring a lawyer? This article will guide you on how to find the right attorney that will fit on your budget. The general idea here is to find attorney-assisted legal services at a low flat fee. Instead of hiring a lawyer full time, you only pay for services to evaluate, prepare, and file your papers. With this method, you can minimize the legal fees. The process requires that you follow three easy steps. [click to continue…]