How To Pick the Best DIY Chapter 7 Bankruptcy Software
Filing Chapter 7 bankruptcy on your own is possible with the right software tools. Free options like court forms and paid software starting at $49 can help you complete your bankruptcy petition. For complex cases or maximum asset protection, consider consulting with a bankruptcy attorney before filing.
Get Free ConsultationFiling Chapter 7 bankruptcy on your own is possible. Many people choose this DIY route to save money.
You can take control of the process yourself. And there are great tools available to help you succeed.
Not Sure If DIY Bankruptcy Is Right for You?
Get a free consultation with a bankruptcy attorney to review your case. Find out if you qualify for Chapter 7 and learn the best strategy to protect your assets and eliminate debt.
Speak With an Attorney FreeDIY Chapter 7 Bankruptcy Software Options
Several software tools can make filing your bankruptcy case easier. Some services are completely free. Here’s what you need to know.
Free Bankruptcy Attorney Consultations
Before diving into DIY software, consider your options. You might qualify for free legal help from a bankruptcy attorney.
Many attorneys offer free consultations to review your case. Speak with a bankruptcy attorney for free to understand your best path forward.
An attorney can help you determine if Chapter 7 is right for you. They’ll review your assets, debts, and income to create a strategy.
EzBankruptcyForms.com
EzBankruptcyForms.com provides downloadable, fillable PDF versions of official bankruptcy court forms. The software adds auto-calculating fields to do the math for you.
💰 Basic packages start at $49.
Most users spend 5-8 hours completing the forms. Your time will vary based on your preparation level.
The package is state-specific for Chapter 7 or Chapter 13 filers. You won’t get full legal advice or interactive coaching.
Free video tutorials help you understand the filing process. You’ll get built-in calculators and the ability to save your progress.
1ClickBankruptcy
1ClickBankruptcy offers affordable bankruptcy software for individuals filing without a lawyer.
💰 For $99, you get downloadable software with current bankruptcy forms. Built-in math calculations and step-by-step instructions are included.
The software works on tablets and smartphones. You can save your work as you go.
You’ll get federal and state exemption information for all 50 states. Free credit reports and downloadable support documents come standard.
Special bonuses include reaffirmation agreement forms and a bankruptcy basics e-book. You’ll receive discounts on required credit counseling courses.
One-time phone consultation with a bankruptcy attorney in your state is included. Beyond that call, ongoing personalized support isn’t available.
National Law Forms
National Law Forms offers a bankruptcy package for DIY filers.
💰 Their package costs around $299 and provides downloadable forms with basic instructions.
You’ll fill out forms manually using PDF or Word documents. The forms don’t automatically calculate totals or check for consistency.
There’s no interactive platform or e-filing support. No live customer service is available for questions.
At $299, it’s one of the more expensive DIY options. Other tools offer more interactive support for much lower cost.
Free DIY Chapter 7 Forms From the U.S. Bankruptcy Court
You can download bankruptcy forms straight from the U.S. Bankruptcy Court’s website. The forms are fillable PDFs you can complete on your computer.
You’ll get all the forms you need to file your case for free. No software subscription or service fee required.
You’ll need to figure out which forms apply to your situation. The court offers basic instructions but doesn’t walk you through every step.
Some bankruptcy courts offer Electronic Self-Representation (eSR) tools. You can complete and submit your forms online if your court allows it.
Research whether your local bankruptcy court provides this option. Check their website for self-represented filer resources.
Local Resources for DIY Bankruptcy Filers
Check your local bankruptcy court’s website for helpful resources. Many courts provide lists of recommended bankruptcy software providers.
Find your local court by searching online. Try typing “[your city or county] bankruptcy court” into a search engine.
Look for sections labeled “Self-Represented Filers” or “Pro Se Filers.” Many courts have dedicated pages with step-by-step instructions.
You’ll find helpful forms and information for people filing on their own. These resources can make the DIY bankruptcy process much easier.
How To Pick DIY Chapter 7 Bankruptcy Software
Choosing the right software makes a big difference. Filing bankruptcy involves completing extensive paperwork and following strict rules.
You’ll need to gather financial documents like bank statements and tax returns. The right tool helps you stay organized and avoid mistakes.
Consider these factors when comparing DIY bankruptcy options:
- Cost
- Ease of use
- Features
- Support and resources
How Much Does It Cost?
Consider the full cost when choosing software. Check whether credit counseling courses are included separately.
Both credit counseling and debtor education courses are required. You’ll need these to complete Chapter 7 or Chapter 13 bankruptcy.
Filing for bankruptcy usually involves a court filing fee. Many people qualify for a fee waiver for Chapter 7.
You can’t get a fee waiver in Chapter 13 cases. Budget accordingly for all required expenses.
How Easy Is It To Use?
Some DIY bankruptcy tools guide you through simple questions. You’ll answer about household income, debts, and assets.
Others provide blank forms and basic instructions only. These can be harder to navigate if you’re new to bankruptcy law.
The means test determines if you qualify for Chapter 7. Look for software that offers extra guidance on complex requirements.
What Features Does It Include?
Not all DIY tools offer the same extras. Some auto-calculate math and show you how to apply exemption laws.
You’ll learn how different debts are treated in bankruptcy. Student loans, child support, and tax debts have special rules.
Some include downloadable guides about debt relief and repayment plans. A few offer free credit reports or phone consultations with bankruptcy lawyers.
What Support and Resources Are Included?
Check what kind of help the software provides. Does it offer FAQs about bankruptcy basics?
Is an attorney or petition preparer available for questions? Are you connected to a credit counseling agency?
Having access to clear answers makes DIY bankruptcy more manageable. Support resources can reduce stress throughout the process.
Professional Bankruptcy Help vs. DIY Software
Sometimes professional help is the better choice. Complex financial situations benefit from attorney guidance.
You might need professional help if you own real estate or valuable property. Business owners and high-income filers often require legal expertise.
Speak with a bankruptcy attorney for free to evaluate your situation. Many people discover they qualify for affordable legal representation.
An attorney can help you maximize exemptions and protect your assets. They’ll represent you at the meeting of creditors and handle trustee communications.
Making Your Decision
Choosing the right DIY bankruptcy software depends on your situation. Consider your comfort level with financial management and your budget.
You can download free forms from the court and handle everything yourself. You can purchase software that offers more guidance along the way.
For complex cases, professional help might be your best option. Free bankruptcy attorney consultations can help you decide your path forward.
The important thing is finding a solution that matches your needs. Your fresh start begins with making the right choice today.