If you have been considering filing bankruptcy, but you really are not sure where to go, or what to do, you should think about how to file bankruptcy online. When you file online bankruptcy you can expect the same quality services from an attorney who specializes in this field of law. You can just have all the advice and help from the attorney's firm without having to take time off from work to go downtown to the offices.
Bankruptcy filing online has recently started to gain popularity. Technology has given us the opportunity to shop online, pay our bills online, and now to file bankruptcy online as well.
Can I File Bankruptcy, Bankruptcy Code, American Bankruptcy Institute,
Bankruptcy is meant to help people that are having a financial crisis, to be able to fix the situation they are in without going through a lot of foreclosures, repossessions, and wage garnishments. Now that we can tend to bankruptcy filing online more people may be willing to use this powerful tool to get their lives back in order.
Doing your filing online is one of the easiest things you will ever do. You just need to use your favorite search engine to find an online law firm that you want to handle your case. Then you will do some preliminary paperwork at your convenience, from the comfort of your home.
In order to determine if you qualify for chapter 7 you need to take a "means test". This test considers the amount of monthly income you have, the size of your family, the amount of money it takes for you to take care of your basic monthly bills including transportation to and from your job. The test includes all your rent you pay monthly, your utility bills, any monthly medications, any insurance you have to pay, child support payments and alimony payments. When you have reported all you have coming in and going out each month, the going out amount is deducted from the coming in amount and the remainder is your disposable income. Disposable income is what would be used to pay the creditors, if you had enough of it.
After the means test you will give the online attorney a few other basic pieces of information that they need to file the bankruptcy for you, and then you let them go to work for you. Once you have hired the firm and started your filing for Chapter 7 the harassing phone calls, ugly letters, and all other means creditors employ to collect on debts must stop. Until you have had your day in court no creditor is allowed to add any additional charges to your account, or to repossess any item.
Your online attorney will handle all the paperwork for you, including filing all the correct papers with the correct court. The attorney will be there to guide you, and answer any questions you have. They will attend any hearing in front of the court with you, and they will see to it that you get all the things you need together to attend the court hearing. They will walk you through this process, step by step.
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