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The most helpful, informative site on the internet.

How to file Bankruptcy without an attorney or lawyer.  File Bankruptcy inexpensively and without an attorney.  Stop foreclosure and wage garnishments without an attorney and usually keep everything.  Personal Bankruptcy Chapter 7 and Free bankruptcy help information and services Online bankruptcy assistance and consultation plus--comprehensive pros and cons with an overview of bankruptcy procedures-- plus, true stories of it's effects and benefits.

What some of our customers are saying...

From Kimberly in MO

I can't believe how amazing you are-- this is nightmare paperwork --I would've NEVER been able to do this-- Thank You again so very much

 

From Chrissy in OH

You rock!! Thanks so much for your help. I wasn't sure what to expect doing this myself but you have been great!!!

 

From Roger in MI

you did a SMASHING job of reading what I wrote and turning it into this very organized and beautifully written petition--Thank You

 

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Learn to file bankruptcy do it yourself or without an attorney in the northern, southern, eastern and western states: Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Do it yourself bankruptcy in Delaware DE, Florida FL, Georgia GA,

 

 

 

File bankruptcy without an attorney in Hawaii HI, Idaho ID, Illinois IL, Indiana File Chapter 7 without attorneys IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri File bankruptcy without an attorney in MO, Montana MT, Nebraska NE, Do it yourself bankruptcy in Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma

 

File Chapter 7 without attorneys OK, Oregon OR, Pennsylvania PA, Rhode Island RI, South Carolina File bankruptcy without an attorney in SC, South Dakota SD, Tennessee TN, Texas TX, Do it yourself bankruptcy in Utah UT, File Chapter 7 without attorneys Vermont VT, Virginia VA, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY rent to own homes and houses for rent can be found in: Alabama AL: Gulf Shores, Birmingham, File Chapter 7 without attorneys Huntsville, Decatur, Florence, File bankruptcy without an attorney in Auburn, Tuskegee, Mobile, Montgomery, Dothan, Anniston, Tuscaloosa, Hoover, Dothan Alaska Do it yourself bankruptcy in AK: Anchorage, File Chapter 7 without attorneys Fairbanks, Juneau, Kodiak, Valdez Arizona File bankruptcy without an attorney in AZ: Flagstaff, Phoenix, Scottsdale, Tempe, Tucson, Yuma Arkansas Do it yourself bankruptcy in AR: Hot Springs, Little Rock, Eureka Springs, Fayetteville, Fort Smith, Jonesboro, Monroe California Do it yourself bankruptcy in CA: Anaheim, Beverly Hills, Burbank, Carmel, File Chapter 7 without attorneys Fresno, Hollywood, Modesto Vacaville Laguna Beach, Los Angeles, File bankruptcy without an attorney in Monterey, Newport Beach, Oakland, Palm Springs, Palo Alto, Pasadena, Redondo Beach, Sacramento, San Diego, File bankruptcy without an attorney in San Francisco, San Jose, Santa Barbara, Santa Cruz, Santa Monica, Carlsbad, Carmichael, Citrus Heights, Concord, Corona, Davis, El Cajon, Fairfield, Fremont, Hayward Huntington Beach, Irvine, File bankruptcy without an attorney in Long Beach, Modesto, Mountain View, North Hollywood, Oceanside, Rancho Cucamonga, Riverside, Roseville, San Leandro, San Mateo, Santa Ana, Santa Clara, File Chapter 7 without attorneys Santa Rosa, Sherman Oaks, Sunnyvale, Temecula, Tustin, Van Nuys, Vista Colorado CO: Aspen, Boulder, Colorado Springs, File Chapter 7 without attorneys Denver, Telluride, Vail Connecticut CT: File bankruptcy without an attorney in Hartford, New Haven Delaware DE: Dover, Wilmington Florida Do it yourself bankruptcy in FL: Boca Raton, Clearwater Beach, Daytona Beach, Destin, Fort Lauderdale, File bankruptcy without an attorney in Jacksonville, Key West, Miami, Naples, Orlando, Palm Beach, Panama City Beach, Pensacola, St. Petersburg, Sarasota, Tallahassee, Tampa, Apollo Beach, File Chapter 7 without attorneys Apopka, Beverly Hills, File bankruptcy without an attorney in Arbor Oaks at Boca Raton, Boca Raton, Bonita Springs, Bradenton, Cape Coral, Citrus Springs, File Chapter 7 without attorneys Clearwater, Clermont, Cocoa Beach, Davenport, Davie, Delray Beach, Doral, Estero, Fort Lauderdale, Fort Myers, Ft. Lauderdale, Ft Myers, Heathrow, Jacksonville, Jensen Beach, Kissimmee, Lake Mary, Lakewood Ranch, Largo, Lehigh Acres, Lithia, Maitland, Miami, Miami Beach, Miramar, Naples, New Port Richey, North Miami Beach, North Port, Orlando, Overstreet, File bankruptcy without an attorney in Oviedo, Palm Bay, Palm Beach Gardens, Palmetto, Palm Harbor, File Chapter 7 without attorneys Panama City Beach, Parrish, Ponte Vedra, Port Charlotte, Port St Lucie, Punta Gorda, Riverview, Ruskin, File bankruptcy without an attorney in Saint Augustine, Saint Cloud, Sarasota, Sorrento, Spring Hill, St Augustine, St. Augustine, St. Petersburg, Stuart, Tarpon Springs, Wellington, Wesley Chapel, West Palm Beach, Windermere, Wintergarden, Winter Park Georgia GA: Athens, Atlanta, File bankruptcy without an attorney in Augusta, Columbus, Macon, Savannah, Albany, Americus, Bainbridge, Brunswick, File Chapter 7 without attorneys Commerce, Cornelia, Dalton, Gainesville, Hinesville Fort Stewart, LaGrange, Lake Oconee, Milledgeville, Rome, St Marys, Statesboro, Do it yourself bankruptcy in Thomasville, Toccoa, Valdosta, Warner Robins, Waycross.. Acworth, Alpharetta, Atlanta, Auburn, Austell, Avondale Estates, Bowdon, Bowdon Junction, Brooks, Buford, Canton, Carrollton, Cartersville, Clarkston, College Park, Conley, Conyers, Covington, File bankruptcy without an attorney in Cumming, Dacula, Dallas, Dawsonville, Decatur, Doraville, Douglasville, Duluth, Dunwoody, East Point, Ellenwood, Emerson, Fairburn, Fayetteville, Forest Park, Grayson, Griffin, File Chapter 7 without attorneys Hampton, Hapeville, Hiram, Inman, Jasper, Jonesboro, Kennesaw, Lawrenceville, Lilburn, Lithia Springs, Lithonia, Locust Grove, Loganville, Lovejoy, Mableton, Marietta, McDonough, File bankruptcy without an attorney in Monroe, Monticello, Morrow, Mount Zion, Newnan, Norcross, Peachtree City, Powder Springs, Rex, Riverdale, File Chapter 7 without attorneys Rockmart, Roopville, Roswell, Senoia, Smyrna, Snellville, Statham, File bankruptcy without an attorney in Stockbridge, Stone Mountain, Sugar Hill, Suwanee, Temple, Tucker, Tyrone, Union City, Villa Rica, Waleska, Whitesburg, Winder, Woodstock.. Hawaii HI: Honolulu, Kauai, Maui, Oahu Idaho ID: Boise, Pocatello, Sun Valley Illinois IL: Champaign-Urbana, Chicago, Moline, Aurora, Rockford, Do it yourself bankruptcy in Naperville, Elgin, Joliet, Peoria, Springfield Indiana IN: Angola, Bloomington, Etna Green, Evansville, Fort Wayne, Indianapolis, South Bend, Terre Haute Iowa IA: Cedar Rapids, Des Moines, Iowa City Kansas KS: Kansas City, Topeka, Wichita Kentucky KY: Lexington, Louisville, Bowling Green, Campbellsville, File bankruptcy without an attorney in Danville, Elizabethtown, Frankfort, File Chapter 7 without attorneys Georgetown, Harrodsburg, Henderson, Hopkinsville, Mount Sterling, Owensboro Paducah, Prospect, Do it yourself bankruptcy in Radcliff, Winchester Louisiana LA: Baton Rouge, New Orleans, Shreveport Maine ME: Bangor, Kennebunkport, Portland Maryland File Chapter 7 without attorneys MD: Annapolis, Baltimore Massachusetts MA: Amherst, Boston, Cambridge, Springfield, File bankruptcy without an attorney in Worcester Michigan MI: Ann Arbor, Detroit, Kalamazoo, Lansing, Traverse City, Ypsilanti, Brighton, Battle Creek, Marshall, Albion, Bay City, Benton Harbor, File Chapter 7 without attorneys St. Joseph, Niles, Big Rapids, Cadillac, Livonia, Dearborn, Flint, Gaylord, Grayling, Houghton Lake, Petoskey, Grand Rapids, Wyoming, Kentwood, Holland, Grand Haven, File bankruptcy without an attorney in Houghton, Jackson, Portage, East Lansing, Marquette, Ishpeming, Midland, Monroe, Do it yourself bankruptcy in Mount Pleasant, Muskegon, Norton Shores, Royal Oak, Southfield, Troy, Warren, Birmingham, Rochester, Rochester Hills, Saginaw, Sault Ste Marie, Beaverton, Farmington Hills, Fenton, Fremont, Garden, Gladstone, Linden, File Chapter 7 without attorneys Livonia, Mears, Mount Morris, Ortonville, Oxford, Pontiac, Sandusky, Warren, Waterford Minnesota MN: Duluth, Mankato, Minneapolis, File bankruptcy without an attorney in St. Paul, Rochester Mississippi MS: Biloxi, Jackson Missouri MO: Branson, Kansas City, St. Louis Montana MT: Billings, Butte Nebraska NE: Lincoln, Omaha Nevada NV: Las Vegas, File Chapter 7 without attorneys Reno New Hampshire NH: Concord, Hanover, Manchester, Portsouth New Jersey NJ: Princeton, Newark, File bankruptcy without an attorney in Trenton New Mexico NM: Albuquerque, Las Cruces, Los Alamos, Santa Fe New York NY: Albany, Buffalo, Ithaca, New York City, Niagara Falls, Rochester, Syracuse North Carolina NC: Chapel Hill, Charlotte, Durham, Fayetteville, Greensboro, King, Raleigh, Winston-Salem North Dakota ND: Fargo, Grand Forks Ohio OH: Cincinnati, File bankruptcy without an attorney in Cleveland, Columbus, Dayton, Lima, Toledo, Wheeling Oklahoma OK: Oklahoma City, Tulsa Oregon OR: Ashland, Eugene, Portland, File Chapter 7 without attorneys Salem Pennsylvania PA: Bethlehem, Erie, Harrisburg, Hershey, Do it yourself bankruptcy in Philadelphia, Pittsburgh, Scranton, State College, York, Lancaster Rhode Island RI: Charleston, Newport, Providence South Carolina SC: Charleston, Columbia, Greenville, Myrtle Beach, Rock Hill, Augusta, Florence, File bankruptcy without an attorney in Sumter, Hilton Head Island, Spartanburg South Dakota SD: Pierre, Sioux Falls Tennessee TN: Chattanooga, File Chapter 7 without attorneys Gatlinburg, Knoxville, Memphis, Nashville, Pigeon Forge Texas Do it yourself bankruptcy in TX: Amarillo, Austin, College Station, Corpus Christi, Dallas/Ft. Worth, El Paso, Galveston, Houston, San Antonio Utah UT: Ogden, File Chapter 7 without attorneys Salt Lake City Vermont File bankruptcy without an attorney in VT: Burlington, Montpelier Virginia VA: Alexandria, Lynchburg, Norfolk, Richmond, Virginia Beach, Williamsburg Do it yourself bankruptcy in Washington File bankruptcy without an attorney in WA: Olympia, Seattle, Spokane, Tacoma West Virginia WV: Charleston, File Chapter 7 without attorneys Morgantown, Wheeling Wisconsin WI: Madison, Milwaukee Wyoming WY: Cody, Yellowstone

 

 

 

Bankruptcy Solutions

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Free Bankruptcy Manuals, Free Bankruptcy Forms, Advice...

Chapter 7 Bankruptcy Service

ONE OF THE MOST INFORMATIVE, COMPREHENSIVE BANKRUPTCY SITES ON THE WEB

This all-inclusive site will show...

Contrary to what credit card companies and consumer credit counseling firms have led the public to believe...

You can File Bankruptcy, Discharge All Debt and usually Keep Everything You Own!

See Below for Mistakes to Avoid

Free Bankruptcy Help Free Bankruptcy Forms Free Bankruptcy Manual Frequently asked Questions FAQs Bankruptcy Mistakes to Avoid

NOTE: You can do your own bankruptcy.  You can really can file bankruptcy on your own.  You probably don't need an attorney.  But if you decide you need bankruptcy assistance, please, be careful of online bankruptcy engines.  The documents prepared can NEVER be any better than the information that is input.  Discrepancies, Ambiguities, and Typos can be missed and potentially lead to problems. In many cases the online engine is ideal.  In others it is not.  Just be careful.

See what our clients are saying...

From Kimberly in MO

I can't believe how amazing you are-- this is nightmare paperwork --I would've NEVER been able to do this-- Thank You again so very much!

From Vivian in CA

Last Tuesday, I went for my appointment with the Creditors. After waiting for  approximately 35 minutes, the interview took only about 5 minutes. The Judge was very cordial. None of the Creditors were present. It was not stressful, as I had anticipated. There were many people there for the same reason as me, so that gave me a level of comfort to know that I am not alone in this critical financial situation. 

From Clarence in FL

My first and last meeting with the creditors went great!  (August 5, 2011). No creditors showed up to question me and my discharge papers are already on the way.  Having this out of the way and done is such a great feeling. Thanks, to all who helped.

From Roger in MI

you did a SMASHING job of reading what I wrote and turning it into this very organized and beautifully written petition--Thank You

From Chrissy in OH

You rock!! Thanks so much for your help. I wasn't sure what to expect doing this myself but you have been great!!!

Have questions or need assistance?

Please call Toll Free

877 604 6636 Extension 3

When calling reference Service Code  [PERSONALID]

Order Services

CLICK HERE FOR 

Affordable Bankruptcy Services

Free Forms and Manual

Our goal is to help.  If you have the time to do it on your own, we will provide what you need to it for free.  Please see... Free Bankruptcy Forms

BANKRUPTCY MISTAKES TO AVOID


Bankruptcy Mistakes to Avoid #1.  Waiting Too Long

It is human nature to put off unpleasant events.  Filing bankruptcy does not have to be "unpleasant."  Wage garnishment, foreclosure, and repossession can all be stopped by filing bankruptcy before creditors begin these collection actions.  And as was so pointedly shown in the cases of some clients mentioned in the scenarios section of the main bankruptcy page, postponing bankruptcy in an attempt to do the right thing is often the absolute worst thing for your family.  In our cases, all postponing accomplished was insure that they lost everything THEN filed, and if they had acted more quickly, they could have kept EVERYTHING!

 

Bankruptcy Mistakes to Avoid #2.  Getting a 2nd Mortgage Instead of Filing Bankruptcy

Many clients try to put off inevitable bankruptcy by obtaining a second mortgage to pay off their unsecured debts.  If you cannot make your first and second mortgage payments, you can lose your home.   It is not wise to risk your home for the benefit of creditors.

 

Bankruptcy Mistakes to Avoid #3.  Depleting IRA and 401K Plans to Pay Creditors

In most cases, your IRA and 401K plans, as well as other tax qualified plans, are exempt assets.  You can file bankruptcy and still keep all of your retirement savings to help reestablish your normal lifestyle after bankruptcy.

 

Bankruptcy Mistakes to Avoid #4.  Filing When You Have a Substantial Tax Refund Pending

The exemption for tax refunds is limited, and an ill-timed bankruptcy may jeopardize your refund.  You should discuss any expected refunds with us before filing.

 

Bankruptcy Mistakes to Avoid #5.  Reaffirming Burdensome Debt

Reaffirming (keeping) loans trhough bankruptcy will make it difficult or impossible for you to recover financially.  Don't keep credit cards with significant balances.  Banks will send you new credit cards after your bankruptcy is discharged.

 

Bankruptcy Mistakes to Avoid #6.  Failing to List All Creditors

A creditor you forgot to list on your bankruptcy petition may not be discharged.  You should list all creditors, even if intend to repay the creditor.   You must also include debts owed to family members and other insiders.

 

Bankruptcy Mistakes to Avoid #7.  Large Credit Usage Shortly Before Filing Bankruptcy

You must tell your attorney or preparer if you have taken significant cash advances, made balance transfers, or made other large purchases within the prevoius three (3) months.

 

Bankruptcy Mistakes to Avoid #8.  Paying Back Loans to Family Members Before Filing Bankruptcy

Repaying loans to family members (or insiders) within one year of filing bankruptcy should be avoided.  The Trustee can sue your family members to recover sums paid to them within the past year.

 

Bankruptcy Mistakes to Avoid #9.  Transferring Non-Exempt Assets To Others

Assets transferred in anticipation of filing bankruptcy may be recovered by the Trustee as a fraudulent conveyance.  Giving away money or other assets to your children, parents, or siblings will not protect the assets from the bankruptcy trustee, and such transfers may jeopardize your bankruptcy discharge.

 

Bankruptcy Mistakes to Avoid #10.  Ignoring Letters From the Court and Your Attorney

Any notice or letter you receive either from the Bankruptcy Court or your attorney is important.  Failure to respond to a communication may have adverse consequences.

From Kimberly in MO

I can't believe how amazing you are-- this is nightmare paperwork --I would've NEVER been able to do this-- Thank You again so very much!

From Vivian in CA

Last Tuesday, I went for my appointment with the Creditors. After waiting for  approximately 35 minutes, the interview took only about 5 minutes. The Judge was very cordial. None of the Creditors were present. It was not stressful, as I had anticipated. There were many people there for the same reason as me, so that gave me a level of comfort to know that I am not alone in this critical financial situation. 

From Clarence in FL

My first and last meeting with the creditors went great!  (August 5, 2011). No creditors showed up to question me and my discharge papers are already on the way.  Having this out of the way and done is such a great feeling. Thanks, to all who helped.

From Roger in MI

you did a SMASHING job of reading what I wrote and turning it into this very organized and beautifully written petition--Thank You

From Chrissy in OH

You rock!! Thanks so much for your help. I wasn't sure what to expect doing this myself but you have been great!!!

Have questions or need assistance?

Please call Toll Free

877 604 6636 Extension 3

When calling reference Service Code  [PERSONALID]

Order Services

CLICK HERE FOR 

Affordable Bankruptcy Services

Free Forms and Manual

Our goal is to help.  If you have the time to do it on your own, we will provide what you need to it for free.  Please see... Free Bankruptcy Forms

Note: If you are in danger of losing your home, please see our Mortgage Renegotiation Services.

We don't preach-- we teach.  Our goal is not to look out for the interests of the credit bureaus or creditors--

It is to provide the best possible information and service available for solving your issues.

The decision as to how to use this information is left to you.

Our Goal is Simple... We Want to Help You Get a Fresh Start

Note, we also will GIVE you the most effective credit restoration course in existence! see free credit restoration. 

  • We provide you with...

    • Online Bankruptcy Assistance

    • Free Consultation

    • We give you factual, comprehensive pros and cons of bankruptcy with an overview of bankruptcy procedures-- plus, true stories of it's true  affects and benefits.

    • If you choose, We even GIVE you the resources, (Free Forms and Manuals) that will allow you to file completely on your own.

    • Free! Comprehensive Credit Repair Manuals- see Free Credit Repair.  Once your debts have been discharged,  it's time to fix your credit!  At the conclusion of the process, we then send you the most comprehensive credit repair manuals in existence. 

WE MAKE THE PROCESS SIMPLE AND AFFORDABLE!

Our Motto is Simple...

A Solution You Can't Afford... Is Not a Solution!

If you have any questions, please call Toll Free

877 604 6636 Extension 3

Please when calling reference Service ID [PERSONALID]

See what our customers are saying...

If you choose to have professional assistance, we guarantee to provide you with the

very best service at  the very lowest fees, about one fourth of most attorney's fees.

 

WHAT DOES IT COST TO FILE BANKRUPTCY

The fees to the court are usually about $299. 

If you qualify for a "Waiver of Court Fees" that portion would be free.  (As part of our service, we prepare the "application for waiver of fees" free of charge).

And in some instances the court will allow you to pay their fees in installments.

(for details call 877 604 6636 Ext 3)

Please reference Service ID # [PERSONALID]

WHAT ARE OUR FEES?

Chapter 7--  ONLY  $295 and even that is broken up into 2 payments.

Most Attorneys charge anywhere from $1,200 to $2,000, for a Chapter 7 (complete discharge of debts). 

 

Why Does Everyone Else Charges So Much?

Because they can...

There is a tendency in business to charge that which the market will bear.  Oil companies do it-- so do attorneys. 

Attorneys not only can charge... but can actually get, those exorbitant fees-- so they do.

 

Why Do We Charge So Little?...

Because We Do So Much More Than Bankruptcy

We are much more than Bankruptcy Preparers.  We handle a myriad of services and issues, Bankruptcy, Taxes, Wills, Credit Repair, Home Sales, Home Loans, Financial Opportunities, etc... in fact, we are known as the No Down Home Purchase specialists see No Down Purchases helping people all across the US to buy homes with no down regardless of credit, hence our phone number...

America West Homes

Toll Free 877 60 4 No Down

(877 604-6636) Ext 3  When calling, please reference Service Code [PERSONALID]

AS A COMPANY, CHARGING LESS, ACTUALLY CREATES MORE BUSINESS!

We know that by providing premium services at affordable prices in all that we do; we will be your company of choice for all your future business and financial needs.  We don't want you just as a customer for today, we want you and your family, and friends as customers for life.

 

And quite frankly, as pertains to bankruptcy... because, we utilize the most up to date technologies and software, we can accomplish in 5 hours what it might take others 5 days to accomplish.

Remember, it is our goal to provide the options you need to solve your issues.  If you need our services, we're here to help.  If you prefer to do it on your own, we'll help there, too. 

 

        Bankruptcy Preparation Request

Crucial Bankruptcy Links and Information

Free Bankruptcy Help Free Bankruptcy Forms Free Bankruptcy Manual Frequently asked Questions FAQs Bankruptcy Mistakes to Avoid

If you have any questions, please call Toll Free

877 604 6636 Extension 3

Please when calling reference Service ID [PERSONALID]

 

 

 

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