"Trust USA Bk to do everything they say. I did and I couldn't be happier"

                                   - Monica K

Privacy Policy
 

Bankruptcy Help Ch 13 Straight-Up

A Quick Word About The New Bankruptcy Law

Our documents comply fully with the new bankruptcy laws. It is everything you will need. Just sign and file.

---

There are 4 Steps to Filing Under The New Bk Laws

• Preparing the tons of bankruptcy forms
• Taking the mandatory credit counseling class
• Filing, attending the confirmation hearing
• Start making your plan payments to the trustee

There are several other full-service companies preparing bankruptcies and so the question is, why use us? Who are these other companies, you ask? EasyBk and BridgePort are some of the better ones.

You can visit http://bkreview.com/ for a complete list of all the reputable companies available for you to choose from.

In the old days, it used to be that when you said that you would do something for another person, you were honor bound to keep your word and a simple handshake was all you need to get started.

Yes, a handshake and your word of honor.

These days, everything is doubletalk. When a video rental company says that they have gotten rid of late fees, they have simply renamed the late fee, like say, delayed restocking fee.

When a bank says free checking, they do not mean free use of their ATM or free money orders, or an end to 30 dollar return check charges. When a mortgage company promises you a no-cost loan, they hit you with document setup fee, warehousing fee, buy-down fee, etc.

And if you think you have asked all the right questions and have gotten the bottom-line, you will find out too late that there is something extra you are being charged for that you didn't think to ask the sales person.

If you are about to file for bankruptcy, you are probably a nervous wreck and you do not need another thing to worry about. You are frazzled enough and you deserve a break. You need our word of honor and you need it straight up.

That is why we will not wow you with flashing neon lights or animated graphics dancing back and forth on our site.

Here is our WORD and HANDSHAKE

This is a list of what we will do for you and it is way more than is needed for a successful chapter 13 bankruptcy.

If it is on this list, you have our word of honor that we will do it.

We have left nothing out, but if you came up with something that is not on the list, we will work harder than anyone else to do it.

Handshake No. 1 - The Documents

We will prepare all of the official Federal bankruptcy forms required by the courts for a chapter 13 bankruptcy. It takes about 65 pages of court forms covering just about everything there is to know about your finances.

These are not templates or forms but completed bankruptcy forms that are ready for the court. All you do is sign your name and turn them in to the court clerk.

The bankruptcy forms include all of the schedules from A to J, and the various mandatory statements. To summarize, they are:

1. Voluntary Petition

2. Summary of Schedules
3. Schedule A - Real Property
4. Schedule B - Personal Property
5. Schedule C - Property Claimed As Exempt
6. Schedule D - Creditors Holding Secured Claims
7. Schedule E - Creditors Holding Unsecured Priority Claims
8. Schedule F - Creditors Holding Unsecured Nonpriority Claims
9. Schedule G - Executory Contracts and Unexpired Leases
10. Schedule H - Codebtors
11. Schedule I - Current Income of Individual Debtor(s)
12. Schedule J- Current Expenditures of Individual Debtor(s)
13. Declaration Concerning Debtor's Schedules
14. Statement of Financial Affairs
15. Form B22C - The Presumptive Calculations
16. Statement of Social Security Number
17. Creditor Mailing Matrix
18. Creditor List Formatted for Diskette
19. Court Fee Waiver

We also provide on a discretionary and complimentary basis, various other helpful bankruptcy forms not required by the official bankruptcy rules.

Handshake No. 2 - The Quality Control

Preparing 65 or more pages of detailed bankruptcy forms is not an easy task particularly since everything is riding on it. One serious mistake could turn a simple boring process into a nightmare.

This is all the more reason why you are better off having an experienced and trained pair of eyes looking over everything rather than trusting some ordinary software.

When we are done preparing your bankruptcy forms, we run it through a series of quality control checks.

1. First we check the information that you give us for completeness. You would be surprised how easy it is to leave out important information and not be aware of it.

2. Next we make sure that your belongs such as your house, your cars, your pensions, your life insurance, your furnishings and all of your other possessions are protected by exemptions against liquidation by the trustee.

3. Then we crunch all of the numbers to make sure that you are truly insolvent, which in other words means that your bankruptcy discharge cannot be denied. When it is all said and done, the trustee looks to see if you cannot pay your debts considering your income, expenses, size of household, etcetera and that is what our trained eyes and proprietary number cruncher tell us.
   
   Note: All of this happens before we prepare the bankruptcy forms.
    

4. We then prepare all of the bankruptcy forms the way the court wants them. All of the information is presented exactly as required. Every piece of data is placed on the right form, on the right page and in the right space. All the lists in all the schedules are alphabetized as required by the rules and all the numbers match up with each other and conform to what the trustees want.

5. After we have prepared your complete set of bankruptcy forms, we painstakingly double check all of the critical parts. These are the parts that really matter.
   
   If your car breaks down you can spend days guessing what is wrong, adjusting screws, fiddling with and replacing all sorts of parts, but unless you know for certain what is wrong, you will not be able to fix it. When you file bankruptcy, the trustee gets a copy of everything and assigns his or her staff to break it all down to the nuts and blots and at the end of the day, if the trustee does not find what he or she is looking for, you have trouble.
   
   Now, if you are doing it yourself or using software, you and the software will not know what is critical and what is not. Yes, you may save money buying some cheap software but eventually, you will wish you hadn't shortchanged yourself.
   
   At the end of the day, all you really want is to have your debts discharged and our thoroughness ensures that. This is why we have never had a customer who did not get his or her debts discharged. And that is why we have the craziest guarantee in the business.
    

Handshake No. 3 - The Added Value

In addition to preparing your bankruptcy forms,

	We will accept as many creditors and bill collectors as you have at no extra cost. Lawyers and paralegals charge you extra after the first few creditors and that can get expensive.
	You can take your time giving us your information. The information you submit to us is saved as you enter it, so that you can do it in as many sessions as you need. All you do is log back on and continue where you left off. This means that you do not need to wait till you have all of your bills to get started. Sign up today and take your time gathering your information.
	You can make changes to your information at no extra charge, as often as you like, until our work is finished. After your bankruptcy forms have been completed and delivered to you and even after you have filed, you can still make changes and have us redo everything for a nominal charge.
	If you need to, you can file one joint bankruptcy with your spouse and save on court fees. We will allow you to add your spouse at no extra cost.
	We protect the privacy of your information. We never share your information with anyone. You will never get on a mailing list or get spammed.
	When you are done giving us your information, we will prepare your bankruptcy forms in one business day. In fact most people get back their completed bankruptcy forms in a few hours, but we say one business day so as to make sure our word is good no matter what the situation is.
	After you sign up, we give you free access to our credit repair resources that you can use on your own down the road, to repair your credit.

Handshake No 4. - The Support

We would like to tell you that our bankruptcy forms work better for you in court than that of everyone else but we will not, because we do not know how good the full-service documents of other outfits are.

We can say though that we offer the best overall customer satisfaction.

There are several reasons for this. First our people are more than just customer service reps. Each one of them has logged many years prior the advent of the Internet, preparing court documents by hand and dealing with the courts.

When you contact them with a question, they give you the correct answer with uttermost certainty and authority rather than give you an educated guess.

Our second advantage is that  we only handle personal bankruptcies and even more specifically, only chapter 7s and chapter 13 bankruptcies.

Most important of all, we are not a big company and we do not do anywhere near the volume that you can expect from larger outfits such as Easybkservices.com, one of the oldest  full service companies around.

When it comes to hands-on full service  bankruptcy preparation, smaller is better. Our smallness allows us to pay close attention to each individual customer and to get it right every single time.

Our handshake and word of honor is that we will be there to help you every single step of the way. If you have a special situation and need us to bend to accommodate you, we are more likely to do so than the bigger companies.

Handshake No. 4 - The Guarantee

We guarantee that the bankruptcy forms that we prepare will be accepted by the court for filing or we will fix it or return all of the money you paid us.

Full Service versus Do It Yourself Bankruptcy

We are often asked by people why they should use us rather than to use online software such as Guaranteed Bankruptcy Forms Software. 

Our answer is usually this. "You may know a thing or two about electricity but when it comes to rewiring your entire house, wouldn't you want to have it done for you by a professional rather than to be handed a box full of electrical tools and told to call a toll free number if you need help?"

That is exactly what happens when you do it yourself with software, whether it is online or with one of those executables programs that you download and install permanently on your hard drive.

Bankruptcy kits and software evoke the memory of one genre of movies called airplane disaster movies. In these movies, the pilot is either dead or unconscious and the jumbo jet is being flown by a passenger.

The reluctant passenger-turned-pilot is guided by a pilot on the ground via a hand held radio, into landing the massive plane before the fuel runs out.

That makes for exciting nail-biting movies but not for good bankruptcies. The best bankruptcy experience is a dull and boring one and that is what you can expect from us.

We will not give you a software tool and ask you to do it yourself. We will do it for you. And when you appear for your mandatory trustee meeting, it will be boring and uneventful because the bankruptcy forms will done right.

Talking about doubletalk, some bankruptcy sites leave you unsure as to who is preparing the bankruptcy, you or them. Here is how to find out. Search their web page for the words software or technology. (It is as simple as doing a Ctrl-F on their web page to bring up the search dialog box.)

If the words software or technology describe what they do, then you know that it is do-it-yourself with software, but if they say Full-Service or We will do it for you then that is what you want.

You Found a Treasure
So Save It!
We do not always advertise so bookmark us now!

Click To Add Us To Your Favorites

Here is how it works

1. Sign up and select a username and password. This gives you access to our customer-only site where you can give us your information.

2. Enter your information in our easy online questionnaire. You can save your information so that you can come back and continue where you left off or make changes.

3. We will prepare all of your bankruptcy bankruptcy forms and deliver them to you via email as well as by a web link for redundancy. As we mentioned earlier, this includes the means test and its bankruptcy forms. In short, you get every official form prepared and ready for filing.

   After you get the bankruptcy forms back from us,
    

4. Sign them in all the spaces indicated.

5. File the bankruptcy forms with the court. We provide you the location of the court in your area as well as their contact numbers and other instructions. Filing can be done either in person or by mail.

After filing the bankruptcy forms, the court clerk will notify the creditors by mail and then set a date for the creditor meeting and the confirmation hearing which is usually 4 weeks later. The creditor meeting and the confirmation hearing are usually held on the same day at the same place.

It is called the meeting of the creditors but in actually, creditors seldom show up. It is largely a dress rehearsal that may last a minute or two. When it is your turn, you are asked one or two questions such as if you understand the significance of what you are doing. The confirmation hearing on the other hand give the creditors the opportunity to present their own ideas as to the payment of the debts.

That's about it. If you are scared about the meeting of credits, don't be. Some people get scared into hiring a lawyer for this meeting, only to find out that the lawyer is not allowed to speak for them at the meeting.

If you want to be scared, be scared of preparing 70 or more pages of bankruptcy forms on your own, using software or paper forms.

That about sums it up.

To summarize, bankruptcy laws have changed thereby making it impossible to hack through 60 to 100 pages of punishing bankruptcy forms without the help of a Full-Service company or a seasoned attorney. When you hire us, we make so easy that you will wonder what all the fuss about the harsh new laws is about. Don't get us wrong. The new laws are still as brutal as they say. The difference is that we take on the intense work of preparing everything for you while shielding you from all of the pain and aggravation.

Procrastination might be your thing, but this time, it could hurt you or may be even ruin your financial future.

If you are ready to get started today, we offering a limited time price of only $219 instead of our regular price of $269. This offer expires at midnight Wednesday, February 8th.

After the offer deadline, the price is one thing we cannot change, not even to be Mr. Nice Guy. If you want the reduced sales price, then place your order today.

Transaction Security: Payments processed on Secure Server (128-Bit SSL Encrypted)

Ordering

When you order our services, you will select a username and password with which to log on to our customer-only site. Note that you do not need to have all of your bills before you start. You can save your information in our questionnaire with the click of a button and return at your convenience to continue.

Shopping with us is very secure. We do not store your credit card information on our servers and no employee or even any management personnel ever sees or comes into contact with it. It is passed in electronically to your bank via the VISA/MasterCard network and then automatically discarded without ever coming into human contact.

We accept credit cards, debit cards, checks and PayPal payment. Select your preferred payment method below. If your try one payment method and it is declined, then try the other. (Note that check payments will delay activation of your account. If you prefer not to use PayPal, then select the Credit Card link. If you do not have a PayPal account, you can still use the PayPal option.)

$219 limited time offer. See above for offer details.

Credit Card/Debit Card
Click here to pay by credit card or debit card

--OR--
 

PayPal
Click here for check, credit card or debit card payment using PayPal.