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Chapter 7
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
Other Services you may need...
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
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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
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Bankruptcy Solutions
877 604 6636 Extension 3
Please when calling reference Service ID [PERSONALID]
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... |
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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
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.
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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]
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
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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