Information on Online Bankruptcy
Filing for bankruptcy does not necessarily mean having to deal with paperwork the old -fashioned way. It is impossible to file completely online because the paperwork does have to be filed in person at the courthouse. A few clicks of the mouse can have you on your way to filing your bankruptcy petition.
There are a number of online resources that can provide information, and even assist you with filing for bankruptcy online. This applies for both chapter 7 and chapter 13 bankruptcy.
- Complete pre-filing research. If you are uncertain as to whether or not to file for bankruptcy, many websites offer free questionnaires and reviews that will help you determine the appropriate course of action.
- Select an online bankruptcy firm. One of the advantages of doing so is that the firm can complete all of the legwork for you. Once complete, all that is left is to sign the documents and file them at your local courthouse. Using the Internet can make it easier to bargain shop and to work at your own pace.
- Access the necessary forms online. A number of websites offer free access to the required federal forms to complete both chapter 7 and chapter 13 online. The documents are readily available so that debtors can proceed without the aid of an attorney if they choose to do so.
- Complete the bankruptcy means test. For those who wish to file for chapter 7 bankruptcy, they will need to take a means test. If the debtor passes the means test, once the bankruptcy is discharged, all of the debts in the filing are cleared out. In order to pass the means test, the filer’s income must be lower than the median income in their state.