A recent post on the internet propagated one increasingly common myth - a blatant falsehood, many will probably say - about filing for bankruptcy, namely, that debtors can no longer even file cheap chapter 7 bankruptcy without a lawyer, let alone any type of bankruptcy. As the writer of this piece put it in the caption of his write-up, article reproduced in Verizon.com titled, "Sorry You Can No Longer File Bankruptcy Without a Lawyer." In these bad economic times when consumers show growing sensitivity about cost for bankruptcy, this is a common notion, or at least a close variation of it, which one hears increasingly among mainstream bankruptcy law practitioners these days. Apparently, there is a growing feeling among the bankruptcy lawyers and the swelling army of unemployed Americans who inquire about the bankruptcy process, that only largely by having bankruptcy without a lawyer, could a debtor file cheap chapter 7 bankruptcy. Usually, the mainstream bankruptcy lawyers' argument about the supposed inability of the debtor to file bankruptcy without lawyer, is made along the same line argued by the writer in the above stated article, namely, that since the new "reform" bankruptcy or BAPCPA law implemented in October 2005, "the climate has drastically changed" in respect to the law and the procedures for filing bankruptcy, and that they have gotten so "complex" now that it is almost too difficulty, if not impossible, for a debtor to file chapter 7 bankruptcy without lawyer. Or for him or her to file Chapter 13, or any bankruptcy of any kind.
In fact, there are plenty of ways you can use to file court petition for bankruptcy. For example, if you can hire bankruptcy lawyers to do the job for you or you can avail the various online bankruptcy services available on Internet, or if you are a legal expert and you know the ins and outs of the various bankruptcy laws, you may choose to go for personal filing.
Depending upon the type of filing process you have chosen, the costs will vary. For example, filing bankruptcy online for chapter 7 bankruptcies and chapter 13 may cost you somewhere around two hundred dollars or less, depending upon the type of bankruptcy you are filing for.
If your bankruptcy case is a bit complicated and you know that you are not capable enough to defend your bankruptcy claims yourself successfully, it is always recommended to avail the valuable services of an expert bankruptcy attorney. They will never let you down. These days, even the bankruptcy lawyers choose to go for filing bankruptcy online, as it makes the process much easier and most importantly, it saves a lot of time both for the debtor and the bankruptcy attorney, but of course, it costs a little more.
If you do not want to hire a bankruptcy attorney, it will be wiser for you to take advantage of the various online bankruptcy services. They are known as online bankruptcy form processors. They will help you in several ways. For example, when you submit your specific bankruptcy case to them along with all the relevant information, they will suggest you the right type of bankruptcy that you should claim for and they will provide you the right bankruptcy forms to fill. Once you submit those forms, they will review all the information you provided with the forms. If some information is missing, the online bankruptcy forms processor will inform you regarding the same and will ask you to submit the missing information.
Once they approve everything, on your request, they will even file a court petition for bankruptcy for you. This way, we can see that filing bankruptcy online will take away the pain out of the complicated proceedings.
In fact, there are plenty of ways you can use to file court petition for bankruptcy. For example, if you can hire bankruptcy lawyers to do the job for you or you can avail the various online bankruptcy services available on Internet, or if you are a legal expert and you know the ins and outs of the various bankruptcy laws, you may choose to go for personal filing.
Depending upon the type of filing process you have chosen, the costs will vary. For example, filing bankruptcy online for chapter 7 bankruptcies and chapter 13 may cost you somewhere around two hundred dollars or less, depending upon the type of bankruptcy you are filing for.
If your bankruptcy case is a bit complicated and you know that you are not capable enough to defend your bankruptcy claims yourself successfully, it is always recommended to avail the valuable services of an expert bankruptcy attorney. They will never let you down. These days, even the bankruptcy lawyers choose to go for filing bankruptcy online, as it makes the process much easier and most importantly, it saves a lot of time both for the debtor and the bankruptcy attorney, but of course, it costs a little more.
If you do not want to hire a bankruptcy attorney, it will be wiser for you to take advantage of the various online bankruptcy services. They are known as online bankruptcy form processors. They will help you in several ways. For example, when you submit your specific bankruptcy case to them along with all the relevant information, they will suggest you the right type of bankruptcy that you should claim for and they will provide you the right bankruptcy forms to fill. Once you submit those forms, they will review all the information you provided with the forms. If some information is missing, the online bankruptcy forms processor will inform you regarding the same and will ask you to submit the missing information.
Once they approve everything, on your request, they will even file a court petition for bankruptcy for you. This way, we can see that filing bankruptcy online will take away the pain out of the complicated proceedings.
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Frank Miller has a Debt Consolidation Blog & Finance, these are some of the articles: Effectively Applying For Mortgages Harrisonburg You have full permission to reprint this article provided this box is kept unchanged.
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