For some people, bankruptcy can
be a fairly simple process that can be completed without paying an attorney. If you cannot afford a lawyer, you can file
pro se (without a lawyer). Filing bankruptcy pro se will require knowledge
of federal bankruptcy laws and local bankruptcy jurisdiction rules. Most
individual consumers can file bankruptcy on their own as long as they have a
good reference manual to guide them through the process.
- Consult a lawyer to answer all legal questions regarding keeping property and any other bankruptcy questions or issues of concern.
- Gather all documentation needed to complete the bankruptcy petition. (6 months of paycheck advices, prior two year tax returns, monthly expenses, credit card bills, medical bills, property deeds, vehicle titles, installment loan information, pending court paperwork, garnishment/judgment information, etc.)
- Complete a credit counseling course from an approved credit counseling agency 180 days before you file bankruptcy.
- File completed petition and your credit counseling certificate with the bankruptcy court.
- Attend meeting of creditors.
- Complete a post-filing Personal Financial Management Instruction Course only after your case is filed and WITHIN 45 DAYS of the creditors meeting. (341 Meeting)
Pro Se
DIY Kit - $45*
Chapter 7 Reference Manual
Voluntary Petition & Schedules
Filing Fee Installment Form (if applicable)
Filing Fee Waiver Form (if applicable)
Other supplemental and local forms
Pro Se
DIY Kit + BPP Services - $125*
Chapter 7 Reference Manual
Voluntary Petition & Schedules
Filing Fee Installment Form (if applicable)
Filing Fee Waiver Form (if applicable)
Other supplemental and local forms
BPP
Services:
Petition and schedules professionally typed
and printed
2 - Paper copies of final petition
PACER updates as available by the court
Proof of Service by Mail
1 - FREE notarization (if applicable)
For more info: bankruptcy@AfterHoursVA.com.
Book a free consultation online: https://afterhoursva.setmore.com/
DISCLAIMER: @AfterHoursVA is NOT a law firm, nor am I an attorney. I do not provide legal representation or advice. If you need legal advice, please consult an attorney. @AfterHoursVA is a debt relief agency.
