Some people feel caught between a rock and a hard place. They know they must file for bankruptcy and yet they are shot down at free counseling sessions with legal professionals who tell them they must cough up $1,500 just to file! Using the power of attorney can help you understand the regulations concerning it, meet each deadline and obligation and expedite the whole process.
If you're filing for Chapter 13 or declaring broke for your business, then you'll certainly need assistance negotiating with creditors, saving your assets and ironing out a reasonable deal. However, in some cases you can find free bankruptcy forms and simply represent yourself if you wish to save money on the lawyer fees.
Many of the needed bankruptcy forms library officials provide free of charge, just as you can obtain annual tax forms. While you're there, you can snag your free bankruptcy forms and also take out a few books to guide you through its process. One book to try is "We The People's Guide to Bankruptcy: A Do-It-Yourself Plan for Getting Out of Debt" by Ira and Linda Distenfield, which offers other alternatives to it as well.
If you're unsure of the laws surrounding it, then try "Personal Bankruptcy Laws" by James P. Caher and John M. Caher or "Personal Bankruptcy Simplified" by Daniel Sitarz. For Chapter 7 one, you may find a book called "How to File for Chapter 7 Bankruptcy" by Stephen Elias, Albin Renauer and Robin Leonard handy. For Chapter 13 one, try "Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time" by Robin Leonard J.D. and Stephen Elias or "The Complete Chapter 13 Personal Bankruptcy Guide" by Haman.
Another great resource for free bankruptcy forms is the official government site for court forms at Uscourts. Here you will receive special instructions on your obligations under its proceedings and eligibility requirements. You can read about its basics regarding Chapters 7, 9, 11, 12, 13 and 15. However, the site cautions: "This publication should not substitute for the advice of competent legal counsel." You may find some of this information to be exhaustive and a little bit confusing. In that case, there are "find a lawyer" links on the site as well.
If you feel lost scouring the internet for free bankruptcy forms, then you can purchase software that will guide you through the process and include checklists and deadlines, just as a lawyer would. At Nolo, you can learn about the new laws about it and purchase "Financial First Aid kit" software for $37.99 that will help you file. Other top-selling software containing legal forms and instructions include: Family Lawyer 2002 Deluxe, Kiplinger's Home and Business Attorney 2004 and E-Z Software Personal Law Library.
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