There are lots of ways to file bankruptcy by yourself. But, one problem you will surely find is that there are forms for every sort of situation, and how can you tell which is the one you need? For just that purpose, there are online bankruptcy forms processing services. An important first thing to know, before you start your search, is that there are free forms available. You never have to pay for a form! If you find a site that wants to charge you for their forms, don't use it. Why pay for something you can get free?
An important thing when looking for the right form is location. Make sure it is for the state and whatever locality that you are in. State laws vary widely, so it is especially important to find the form for the state you live in. It is worthless if it's for the wrong state! Also, make sure that the form is official. Look for government seals, or compare it with the others, and it will be easy to see whether it is or not. Filing with an illegitimate form won't do you much good!
Now, on the website where you find the form you need, look for information on filling it out. Most of these sites will provide you with information regarding what information you will need to fill it out. There might be other relevant information as well. Fill out the form slowly and thoroughly, and no matter how fine the print is, read it all. Follow instructions carefully and make sure that you're doing it the right way. For example, make sure you are listing the right assets.
When all else fails, go to a lawyer. If the wording is vague, of if there is something you are not sure you clearly understand, talk to a professional who can answer your questions satisfactorily. You can definitely get the free form you need from an attorney, and they will help you fill them out. If you have specific questions about what assets to list and what to leave out, they can tell you exactly what you need. There are also two types: chapter 7 and chapter 13, and you must know which one is best for you. These are important things to understand clearly. |
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