How To File bankruptcy For Free
How To File Bankruptcy For Free
Our Recommended Chapter 7 Bankruptcy Picks
There are lots of good bankruptcy preparation companies that debtors can choose from but our pick is USA Bankruptcy Associates for online bankruptcy preparation. Here are our reasons for picking this company.
USA Bankruptcy Associates is the oldest bankruptcy preparation site around. They began as a regular attorney support company in California back in 1990 and then branched into the internet starting around 2000. Since then they have prepared more than 30,000 bankruptcies. I like that they have been around for such a long time and were the first to offer real-time online bankruptcy preparation. I also like the positive feedback that I get from readers of the blog who have used USA Bankruptcy Associates.
A close pick is Miller Bankruptcywhich is also a full-service bankruptcy preparation company. I have seen a lot of reviews where Miller Bankruptcy has been picked over USA Bankruptcy Associates but in my opinion, it still comes down to price verses features. Miller Bankruptcy is more expensive and though they have more after-bankruptcy features, I do not know if it justifies the significantly higher price. The Miller Bankruptcy claim to fame is their Labyrinth which they claim can help you hide or block your bankruptcy from the credit bureaus but that is nothing new.
More than ten years ago, USA Bankruptcy Associates pioneered that concept and I recall that it was so successful that many bankruptcy courts began to instruct their clerks to watch out for debtors using this USA Bankruptcy Associates technique. Just about everyone who used the company back then was able to hide their bankruptcy from the credit bureaus. That was until the court clerks began to intervene in what was obviously not their damn business and what was clearly a legitimate loophole in chapter 7 bankruptcy law.
To make a long story short, USA Bankruptcy Associates stopped offering that service and instead, focused on just preparing good bankruptcies and helping people to remove the bankruptcy from the credit bureaus, rather than blocking it from entering the credit report in the first place. While Miller Bankruptcy is a well regarded bankruptcy preparation company, they probably missed the memo on the bankruptcy hiding thing. Or it could simply be that they have found a way around the court clerks. In fact I have it on good authority that they use a better technique than the original one introduced by USA bankruptcy Associates but I am generally skeptical about new and improved things.
My opinion anyway is that if you want to file bankruptcy, use a solid company and for me, that is USA bankruptcy Associates. If they can help you with your credit after bankruptcy, then great, but who wants credit after bankruptcy? Credit was what got you in the mess in the first place so when they offer to help you get back on your credit binge, say thanks but no thanks.
Some of the other companies to consider are Bridgeport American Bankruptcy and Easy Bk services. They too are good full-service companies and you cannot go wrong with them. Stay away from bankruptcy software because there are no bankruptcy software designed for individual consumers. There are web sites claiming to sell bankruptcy software but they do not really sell software. Bankruptcy software is very difficult to develope so what a few sites do is take the same free bankruptcy forms that anyone can get from the court web sites and they repackage and call it software. They usually cost about $49.95 but it is a waste of money since it is the same free forms.
Our Pick:USA Bankruptcy Associates
A lot of people ask us if they can file bankruptcy for free and the answer is yes. It is possible to file bankruptcy for free and we can show you how. Find the article in the left navigation bar.