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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 Chapter 14 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.

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. 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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

HOW MUCH 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.  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 # RT40872

Chapter 7--

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

Our fee for a Chapter 7 is ONLY  $295 and even that is broken up into 2 payments.

Chapter 13 (Where a repayment plan is developed in which all debts are paid over a 3 to 5 year period),

Most Attorneys charge anywhere from $3,000 to $5,000 or more for a Chapter 13.

Our fee for a Chapter 13 is only $ 800 and we help you by breaking this up into 3 installments.

There is a tendency in business to charge that which the market will bear.  Oil companies do it-- so do attorneys.  Attorneys can not only charge... but can actually get, exorbitant fees-- so they do.

We, on the other hand, are 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 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)

At The Solutions Network, we do more than prepare your bankruptcy petition.  We help prepare you for Life After Bankruptcy...  The Complete Bankruptcy Package gives you all of this...

Complete Bankruptcy Document Preparation so you can get a Financial Fresh Start-- We prepare all schedules, including the Federal Bankruptcy Petition plus, Schedules A, B, C, D, H, J, Statement of Financial Affairs, etc...

Tri-merged credit report-- we help you get a FREE Tri-merged report, so you don't miss creditors.  A complete record of all debts you owe, credit cards, car loans, real estate loans, collections, judgments, tax liens, school loans,  including balances, payment amounts, creditors names and their addresses-- Saves you hours in your debt investigation..  Remember, if they are not listed in your Bankruptcy, you still owe the debt!

Do It Your Self Credit Repair Kit-- see credit repair.  By utilizing the techniques that we include in these 2 Creditor Busting Ebooks you will be able to immediately begin to improve your credit rating and credit score, in spite of your bankruptcy.

Bankruptcy Information Packet--Comprehensive, but easy to understand information that shows how to maximize the benefits of your bankruptcy by not only eliminating debts, but by reducing the amount of debt remaining on that car or furniture on which you still owe money but want to keep.  In other words-- keep the car-- but get rid of half the debt.

The Truth is that Bankruptcy has it's Benefits and it's Drawbacks-- but whether it is the right decision for you depends on your particular situation...

 For one family Bankruptcy was the only way to achieve home ownership...

For another family, the failure to file, when truly necessary, almost cost them everything.

To see how and why bankruptcy impacted these families' lives see "Scenarios 1 & 2" Below.

Note:   The Solutions Network provides low cost bankruptcy services in the following states.  Alaska AK Alabama AL Arkansas AR Arizona AZ California CA Colorado CO Connecticut CT Washington DC Delaware DE Florida FL Georgia GA Hawaii HI Iowa IA Idaho ID Illinois IL Indiana IN Kansas KS Kentucky KY Louisiana LA Massachusetts MA Maryland MD Maine ME  Michigan MI Minnesota MI Missouri MO Mississippi MS Montana North Carolina NC North Dakota ND Nebraska NE New Hampshire NH New Jersey NJ New Mexico NM Nevada NV New York NY Ohio OH Oklahoma OK Oregon OR Pennsylvania PA Rhode Island RI South Carolina SC South Dakota SD Tennessee TN  Texas TX Utah UT  Virginia VA Vermont VT Washington WA Wisconsin WS West Virginia WV Wyoming WY

 In spite of an effective National Campaign by creditors, that fact is that life after bankruptcy is not as difficult as often imagined or portrayed. 

    Even so, whether or not to file Bankruptcy is one of the most difficult decisions that a person makes in today’s society.  Good decisions require accurate information.  The things that cause people to come to a point in their life where Bankruptcy becomes something to even be considered are many varied.  But at this point, we are not going to talk about how we got to that place, but rather, what to do about it-- and to inform you of the true consequences.  We all know that bankruptcy is not a good thing.  It goes on your credit report and stays there for 10 to 12 years, and yes, for a year or two, if you apply for a loan, you will pay a higher interest rate.  There's no question, bankruptcy is rarely the ideal solution, but it is often the best solution--  and as we'll see, it also is not an economic death sentence.

Crucial Bankruptcy Links and Information

Should You File Bankruptcy?

There is no magic formula that tells you whether bankruptcy is the best choice for you-- but here a few facts to consider.

What I am going to do here is not necessarily give you advice but rather elaborate on a couple of scenarios that I have had with my clients while dealing with Bankruptcy, and credit related facts-- also, what I suggested that they do and the end result.  Of course, how you proceed and the decisions you make are yours and yours alone.  My goal is to simply help you proceed with a broader view of what bankruptcy is.  Hopefully, this article will give you more relevant, real life facts to help you make a fully informed decision-- See the following true life stories of past clients.

SHOULD YOU FILE BANKRUPTCY NOW OR LATER?

I had a close personal friend who came to me wanting to buy a home.  During the loan process we found that he had absolutely impeccable credit. Unfortunately, his income was only slightly more than his outgo, (as in about $100 per month, and this was before food and utilities!), .   My first question to him was how are you managing to make all your payments on time.  I had never seen anyone so overloaded with debt while making their payments so flawlessly.  He informed me that he was effectively borrowing from Peter to pay Paul.  Borrow from one credit card to pay another, then open another credit account to pay the last...

    Under these circumstances, there was no way that he could qualify for a normal loan.  He only wanted around an $80,000 home, but even with the $8,000 down he was getting from a settlement, he could not qualify for a conventional low rate loan.  His expenses vs income was just too high.

     Here’s what we did.  We used his $8,000 insurance settlement for his down payment.  I persuaded the seller of the property to carry $12,000 for a term of 30 months.  Now, that we only needed a loan for $60,000 on an $80,000 home, We were able to get him a loan  secured by the property.  It was not a good loan, but a loan, nevertheless.  This loan was fixed at 6%, but for only two years.  After that it would adjust to about 12%, thus increasing my friends payment by about $300 per month over the original payment.  Generally, I wouldn’t negotiate this deal for my worst enemy, but we had a strategy that would insure that he would never have to pay that high interest rate.

   At the end of two years, he had paid his remaining bills perfectly.  Additionally, because he had all of the unsecured debts discharged, his monthly obligations were reduced by about $600 per month.  He now had good credit and income to debt ratios that were reasonable, so he could now refinance his home and get rid of that first mortgage that was getting ready to go to 12%-- plus, because his home had appreciated, we could even pay off the $12,000 that he still owed the seller.  Because his finances were now in balance I was able to get him approved for a refinance to do the above at a fixed 6% interest rate loan.

Amazingly enough-- this was one of those rare situations in which the only way to accomplish the goals of home ownership for himself and his family, was Bankruptcy.

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IS DOING THE RIGHT THING, THE WRONG THING FOR YOUR FAMILY?

Doing the right thing is always admirable.  But it has been my experience that sometimes doing the right thing for the creditors is absolutely the wrong thing for your family... 

    I was recently contacted by a family that had been struggling with debt for 3 years.  Prior to the beginning of their problems they had both had very good jobs.  As with most of us, good jobs equal good lifestyle and lots of debt.  Their income was such that they were not overloaded in the least.... but then he lost his job, the family income was halved for about six months.  They had some 30 day lates, but nothing too serious.  He finally found other employment-- just about the time that she lost her job!...  Over the next three years, for both of them, employment was sporadic.  In their attempt to do the “right thing” i.e. keep their home, pay their bills, even if late...  they drained not only their savings, but raided their retirement accounts (Which you can almost always keep when you file Bankruptcy),  

To make matters worse, dipping into retirement accounts, carried early withdrawal penalties and extra tax liabilities, (we managed to avoid most of the penalties on an amended tax return), but the point is that they were financially drowning.  At all costs, they were determined to avoid bankruptcy.  They wanted to do the right thing and pay their creditors.  They continued their spiral and sporadic employment for three years.

        Bankruptcy Preparation Request

Crucial Bankruptcy Links and Information

If you have any questions, please call Toll Free

877 604 6636 Extension 3

Please when calling reference Service ID RT40872

Note:   The Solutions Network provides low cost bankruptcy in Alaska bankruptcy in  Alabama bankruptcy in  Arkansas bankruptcy in  Arizona bankruptcy in  California bankruptcy in  Colorado bankruptcy in  Connecticut bankruptcy in  Washington DC bankruptcy in  Delaware bankruptcy in  Florida bankruptcy in  Georgia bankruptcy in  Hawaii bankruptcy in  Iowa bankruptcy in  Idaho bankruptcy in  Illinois bankruptcy in  Indiana bankruptcy in  Kansas bankruptcy in  Kentucky bankruptcy in  Louisiana bankruptcy in  Massachusetts bankruptcy in  Maryland bankruptcy in  Maine bankruptcy in  Michigan bankruptcy in  Minnesota bankruptcy in  Missouri bankruptcy in  Mississippi bankruptcy in  Montana bankruptcy in  North Carolina bankruptcy in  North Dakota bankruptcy in  Nebraska bankruptcy in  New Hampshire bankruptcy in  New Jersey bankruptcy in  New Mexico bankruptcy in  Nevada bankruptcy in  New York bankruptcy in  Ohio bankruptcy in  Oklahoma bankruptcy in  Oregon bankruptcy in  Pennsylvania bankruptcy in  Rhode Island bankruptcy in  South Carolina bankruptcy in  South Dakota bankruptcy in  Tennessee bankruptcy in  Texas bankruptcy in  Utah bankruptcy in  Virginia bankruptcy in  Vermont bankruptcy in  Washington bankruptcy in  Wisconsin bankruptcy in  West Virginia bankruptcy in  Wyoming

You don't need bankruptcy protection now if...

You have nothing that a creditor with a judgment could take from you, in either assets or income: that is, if everything you have is exempt  under the laws of your state, including your source of income, you have nothing to lose to a creditor and no need for bankruptcy protection now.  However, it's important to realize that just because the creditor has nothing to attach, now, does not mean that the debt can’t come back to haunt you.  

Are your present circumstances a temporary glitch?  Will you in the future be better off?  New job? Extra Income? Will you soon have your finances in place?  If you file now, (while down in the dumps, so to speak), you will undoubtedly be able to keep everything--plus... in two years you will be almost blemish free with no outstanding collections, late pays, or judgments.  Your credit worthiness will then be determined by your income and the credit track record you create after the bankruptcy.  If you keep a clean slate, you will again be considered a good credit risk.

WHAT IF YOU DON'T FILE? and then your situation then improves??- Your improved situation is a great thing but...  In Two Years you could be faced with this-- You've weathered the storm and now have great income, living the American Dream, have newly acquired assets-- that can now be attached by all the creditors to whom YOU STILL OWE MONEY!

Instead of a two year old discharge, and no existing debts, (your situation if you had filed),  you still have collections and judgments and now that you have something to take, your past creditors are coming after you.

(If you didn't file) and you attempt to buy a home, ( See No Down Real Estate Investment), the existence of the still owed collections and charge offs will in many cases prevent you from getting a home loan until they are paid, and at the very least will necessitate a higher interest rate and down payment.  If, on the other hand, your BK is one to two years old and all debt since then has been paid flawlessly, you will again be considered a good credit risk and qualify for the best home loans available.  There are even many home loan programs with low interest that will work for you SIX months out of bankruptcy.

Inevitability.  File Now?  or File Later?

Is doing the Right Thing the Wrong Thing for Your Family?