Filing Bankruptcy Online
Filing for bankruptcy online is not an actual deed that can be done. While you can download bankruptcy forms, find bankruptcy software online or find a bankruptcy attorney to complete you petition and file it online – but if you prepare your forms by yourself you cannot submit them online.
You will have to submit a specific number of copies of your petition to the court and courts vary on how you must submit a creditor matrix.
Do It Yourself – If you plan on filling out the bankruptcy forms yourself, you will need to research and find the information applicable to your state and to the local courthouse you are zoned for. It will also be important to find out what the bankruptcy exemptions are in your state to use to protect your property.
Representing yourself at the 341 hearing is also your responsibility if you prepare your own bankruptcy forms. This is obviously the cheapest method, but it also leaves the most room for errors and confusion.
Hire An Attorney – Hiring a bankruptcy attorney is also an option, they will review your debts, earnings, and property, inform you which chapter of bankruptcy fits your situation, they will then complete the bankruptcy forms and submit them to the courthouse.
Your attorney will also be responsible for representing you at the 341 meeting. Hiring an attorney is the easiest option for saving you aggravation, but the trade off is that the cost is much higher – and for those who can’t pay basic expenses, paying for an attorney may not be possible.
