With THREE DIFFERENT BANKRUPTCY
OPTIONS, you've got to find at least ONE
that you can AFFORD.
Afford-Bankruptcy.com is just about the only bankruptcy service provider (online or
offline) that provides MORE than just one choice or option. We offer THREE different
OPTIONS you may use to file for bankruptcy:
(That is, we offer everything & every method in the industry, EXCEPT use of
attorney-controlled method)
Our REASON? The reason why we developed this kind of system, is simple: This way, with a variety of bankruptcy filing options available,
each of which is still of low, low-cost, and a differing range of prices among them, YOU, the debtor, will be able to pick and choose which method
YOU want or best prefer – or can best AFFORD - whatever your particular debt and financial situation, or whatever the size of your pocket, etc. And,
most importantly, this way, you'd be able to find at least ONE program that you will find absolutely AFFORDABLE for you, no matter your financial
condition. (Just NO MORE excuses whatsoever, for anyone this time, not to be able to file, if you're serious!). (See detailed description of each of
those three options below).
It is a wide variety of options that no other bankruptcy service provider out there anywhere, offers or provides debtors!
Our simple, inexpensive method, just about GUARANTEES you your bankruptcy - at a low-low price you can readily AFFORD. Afford-Bankruptcy.
com’s proven system - and wide variety of options - will enable you have your quality bankruptcy documents fully and properly completed and
ready, in responsible, reasonable time, while you relax right in the comfort of your home and rest assured of getting a job well done, and yet
without having to contend with the additional burden of putting out for the high lawyers' fees and expenses, or the lengthy bureaucratic process
or red tape of the "law."
In each option, we offer both the Chapter 7 type of bankruptcy, and the Chapter 13 type
So, why not simply take advantage of "The AFFORD-BANKRUPTCY.COM ADVANTAGE," right
now?
Now, what other excuses for you this time? What other excuses for any serious bankruptcy-seeker in America not to be able to file for
bankruptcy!This way, you'd be able to find at least ONE program that's absolutely AFFORDABLE for you so you'd be able to file for bankruptcy -
no matter the size of your pocket book!!
Pick one LOW-COST option you can definitely afford.
.
OPTIONS, you've got to find at least ONE
that you can AFFORD.
Afford-Bankruptcy.com is just about the only bankruptcy service provider (online or
offline) that provides MORE than just one choice or option. We offer THREE different
OPTIONS you may use to file for bankruptcy:
- use of Bankruptcy Manuals, forms and Kits for the preparation of the
- use of Online Bankruptcy Software,
- and Full Service Aid to the bankruptcy filer by preparing the whole
(That is, we offer everything & every method in the industry, EXCEPT use of
attorney-controlled method)
Our REASON? The reason why we developed this kind of system, is simple: This way, with a variety of bankruptcy filing options available,
each of which is still of low, low-cost, and a differing range of prices among them, YOU, the debtor, will be able to pick and choose which method
YOU want or best prefer – or can best AFFORD - whatever your particular debt and financial situation, or whatever the size of your pocket, etc. And,
most importantly, this way, you'd be able to find at least ONE program that you will find absolutely AFFORDABLE for you, no matter your financial
condition. (Just NO MORE excuses whatsoever, for anyone this time, not to be able to file, if you're serious!). (See detailed description of each of
those three options below).
It is a wide variety of options that no other bankruptcy service provider out there anywhere, offers or provides debtors!
Our simple, inexpensive method, just about GUARANTEES you your bankruptcy - at a low-low price you can readily AFFORD. Afford-Bankruptcy.
com’s proven system - and wide variety of options - will enable you have your quality bankruptcy documents fully and properly completed and
ready, in responsible, reasonable time, while you relax right in the comfort of your home and rest assured of getting a job well done, and yet
without having to contend with the additional burden of putting out for the high lawyers' fees and expenses, or the lengthy bureaucratic process
or red tape of the "law."
In each option, we offer both the Chapter 7 type of bankruptcy, and the Chapter 13 type
So, why not simply take advantage of "The AFFORD-BANKRUPTCY.COM ADVANTAGE," right
now?
Now, what other excuses for you this time? What other excuses for any serious bankruptcy-seeker in America not to be able to file for
bankruptcy!This way, you'd be able to find at least ONE program that's absolutely AFFORDABLE for you so you'd be able to file for bankruptcy -
no matter the size of your pocket book!!
Pick one LOW-COST option you can definitely afford.
.
The greatest variety - THREE different OPTIONS,
each LOW-COST, to choose from to get your bankruptcy.....
In either Chapter 7 or Chapter 13 type bankruptcy.
each LOW-COST, to choose from to get your bankruptcy.....
In either Chapter 7 or Chapter 13 type bankruptcy.
Here are the THREE options you
can use, each Low-cost:
OPTION 1: The Pure Do-it-Yourself Method.
PRICE: $39.00
Use of competent bankruptcy kits and instructional to assist the debtor to get his or her bankruptcy filed. This method of filing for bankruptcy is
actually the oldest and the most “original” method used by hard-pressed debtors to file for their bankruptcy - AFFORDABLY.
In objective terms, it is, in fact, a long-existing method that has been tried and tested – long before there was ever a computer or the Internet,
and still now - over generations of its wide use by millions and millions of American consumers, to whom it has been nothing short of a
proven, effective and legitimate, God sent method of attaining their prime goal of bankruptcy with affordability. The story is not different, by
the way, but precisely the same, in areas such as uncontested divorce, will-making, etc., where the American consumers have effectively
used written manuals, instructional guidebooks and kits, to secure their divorces or to make their wills, and so on, at lower rates that are far
more affordable for them! Nor, again objectively and factually, has there been any particularly special or unusual customer or product risk to
which the use of this method has been associated in all of its past, long history.
At the Afford-Bankruptcy.com, we offer debtors and bankruptcy-seekers who opt for this option or order it, instructional manuals that are
especially written and designed by reputable and proven experts in the subject, and in the use of self-help law techniques by consumers to
resolve such matters.
The procedure involved in this option is simple. You just place an order for this program, and we'll provide you with a package of specially
prepared and designed bankruptcy forms, complete with step-by-step instructions and information so expertly designed by our experts
that they furnish you with virtually everything you need to SUCCESSFULLY complete your own bankruptcy paperwork, and to properly file them
with the appropriate bankruptcy court, process your bankruptcy case, and to SUCCESSFULLY get your bankruptcy discharge freeing you from
your debts.
PLUS: You’ll have this website, the Afford-Bankruptcy.Com website, which is the companion site for our bankruptcy assistance programs,
along with the site's treasury of information that go with it (including its customer service helpline), always by your side to inform and guide
you along.
The Pure Do-it-Yourself Method is (in our objective and studied experience) a simple and effective bankruptcy-filing system that has, in fact,
proven to get the same job done for millions of the American consumers over the years and over generations which have used
that tool in preparing the necessary bankruptcy papers and getting them filed and successfully processed.
The prime advantage of using this type of method: It's the least expensive and most affordable of all methods available for filing for
bankruptcy; could cost you less than $39, if that, in total expenses to you, for you to be able to get the whole bankruptcy paperwork done.
NOTE: Always remember that at the Afford-Bankruptcy.com, we do not “just” offer “kits” or manuals, or the like, to customers. You’ll have, also,
this website, the awesome resources Afford-Bankruptcy.Com website, which is the companion site for our bankruptcy assistance programs,
along with the site’s treasury of information that go with it (including its customer service helpline), always by your side to inform and guide
you along.
Wish to ORDER this option 1? CLICK HERE.
=============================================================================================
PART OF AFFORD-BANKRUPTCY.COM'S
ARSENAL OF CUSTOMER TOOLS
This complete, 4-volume self-help bankruptcy instructional manuals that we offer, are
part of the arsenal of tools we use for our customer bankruptcy filing services.
Published by Selfhelper Law Press of America, these practical, self-help instructional
guidebooks, are authored by acclaimed writer and author and veteran self-help law
pioneer and expert, Benjamin Anosike, Ph.D. In the order listed above, from left to
right - the titles are Volumes 1, 2, 3, 4 of the author's "You Do Your Own Bankruptcy"
series.
Volume 1 (or Book 1), provides a detailed overview of the three most common types
of bankruptcies filed by debtors and businesses in America - Chapters 7, 13 and 11
bankruptcies. And details the basic requirements for a debtor to qualify under each
category. And each of the other 3 Volumes (Books 2, 3, 4) outlines the procedures
for the actual filing of bankruptcy under that given bankruptcy category (Chapters 7,
13 & 11), respectively, and for the processing of the case through the bankruptcy
court, from start to finish. All manuals incorporate all the changes in the latest
bankruptcy law, practice and procedure, through October 17, 2005, including the
2005 Bankruptcy Reform Act, up to early 2009.
ORDERING INFORMATION: Customers who want just the manual ONLY, may
order just the manual at $24.95 + $4.95 s/h, for each volume. Customers who order
Afford-Bankruptcy.com's OPTION 1 bankruptcy service (see above for the details)
will be provided this manual at no extra charge, as part of the program.
============================================================================================
OPTION 2: Online Computer Software or Quasi Do-it-yourself Method
Price: $109
Basically, this will involve you (the debtor) using an automated, online or web-based computer software we provide, which is located on our
own Afford-Bankruptcy.com web server, to prepare, in a do-it-yourself manner, your bankruptcy papers and documents with which you may file
for bankruptcy. Here, we’ll offer you our special online software that will allow you, from your computer from the comfort of your home or office,
to enter the required basic personal and financial information relating to your situation, into our powerful computer (and NOT into yours).
For this program, upon your placing an order for it, you are immediately registered and assigned a user name and Password (this is
required only for Online Computer Software Method or Full Service Method customers). This will allow you to log on online to our secure site
and automated software. In the meantime once in the secure site, you can review informational materials in the extensive library we have - all
helpful bankruptcy-filing information that can only be accessed from there. And then, you’ll be able confidently and confidentially to enter the
financial and other information about you that you’ll need to do your documents out of a SECURE and SAFE area where the security,
confidentiality, and privacy of your information are absolutely guaranteed. Also, while logged in, you'll be able to find information and
guidelines that are provided for it, to determine the best ways to search around for, and gather, assemble and locate, the various pertinent
financial and debt information that are necessary for your bankruptcy paperwork.
Next, once you are done with assembling your personal information (following the step-by-step guidelines you're provided on how to do so),
you’ll then need to enter online into our computer, that financial information and other data - your name, address, debt figures, the creditors to
whom you owe, your finances, outstanding money judgments against you, if any, etc. Then you answer a few questions that are standard
questions required by the bankruptcy system to be furnish the bankruptcy court. And, that's just about it. Your finished bankruptcy papers will
be generated and should be ready to be filed in court.
Next, you'll have any number of opportunities as you want to review, refine, correct, and change the contents of the papers. Once you are
certain that the papers are finally o.k., you press the PRINT or FINISH button on your computer, and the completed number of pages of your
bankruptcy documents will slide out of your printer, ready for your signature. And ready for filing in court, after that. You simply sign those
papers. Then, follow the simple instructions we will provide you, and go and file the papers at the appropriate local bankruptcy court address
in your locality that we'll provide you, and follow through and finish up the remaining processing of your bankruptcy case. And, finally, you shall
have gotten in your hands your bankruptcy DISCHARGE from the court - freeing you from your debts.
For this Option, it’s really that simple! Our online software is a state-of-the-art technology that’s specially designed by bankruptcy experts so
that it has a special interview wizard feature (among other wonderful features) that makes your entering your information in the system so
easy, straightforward and effortless.
PLUS: You’ll have the benefit of one major, unique and invaluable advantage of our program. You’ll have this website, the Afford-Bankruptcy.
Com website, which is the companion site for our bankruptcy assistance programs, along with the site’s treasury of information that go with it
(including its customer service helpline), always by your side to inform and guide you along. Just about the same thing as we do for our
customers who order our Full Service program, as described in Option 3 below.
The prime advantage of using this Option 2 method: the software basically gets the job done for you. And, very importantly, it gets it done for
you at quite an AFFORDABLE price. It, too, is a tried-and-tested system that is long proven with our customers to accomplish the basic
objective for the debtor – never has it failed us even once! Actually, the software we provide you for this service, is designed, developed and
produced by bankruptcy lawyers and experts who are experts at the ins and out of bankruptcy, and so, once you are done entering the right
and complete information about your debts and finances into the system, you can jolly well put your mind at rest because it sure will generally
generate a set of correct and accurate finished bankruptcy papers for you that will invariably be acceptable to the Court Clerk for filing. [That’s
part of our UNCONDITIONAL GUARANTEE]
SOME DISADVANTAGES IN OPTION #2
But you should note, however, that this bankruptcy filing option is still a do-it-yourself
method, or, as we like to call it at the Afford-Bankruptcy.Com, a quasi-do-it-yourself
method. Nothing particularly wrong with that, really. But just that you should be aware
of that. In other words, sure the automated software completely fills out the bankruptcy
forms for you and you may never have to handle filling out even a single form or to
figure out the bankruptcy forms or make the calculations. But (like all software), it’s still
a do-it-yourself system – YOU are still the one who’s going to do it by yourself – with the
aid of a software. That is, unlike, say, the Full Service method or the use of an attorney
to do your bankruptcy, where you have many trained or skilled persons who’re already
familiar with the system or what to look for in bankruptcy documents as the ones doing
the work, with this Option 2 method, YOU alone are basically the only person doing the work with nobody else involved or responsible, with
nobody else preparing or aiding in the preparation of the documents, or checking them for whether or not they comply with the bankruptcy law
or standards, etc.
Nevertheless, that’s why this method, the use of the automated software, for filing for your bankruptcy, costs you far less than it will cost you
using the other two options, Options 3 or 4: all those physical bodies who will have to do the work in either one of those Options (Options 3 or
4), would have had to be paid for their services! Nevertheless, in Option 2 filing system, the job still gets done, and you still get your
bankruptcy processed. And, still pretty AFFORDABLY.
NOTE: Always remember that at the Afford-Bankruptcy.com, we do not “just” offer bankruptcy “software” or instructions, or the like, to
customers. You’ll have, also, this website, the Afford-Bankruptcy.Com website, which is the companion site for our bankruptcy assistance
programs, along with the site’s treasury of information that go with it (including its customer service helpline), always by your side to inform
and guide you along.
Wish to ORDER this Option #2?CLICK HERE.
OPTION 3: Full Service Bankruptcy Service.
Price: $239, Chapter 7; $359, Chapter 13
Here, if you prefer or sign up for this option, here’s how this service works.
Our staff of expert Bankruptcy Document Preparers (these are all trained, experienced professionals at bankruptcy work with years of actual,
hands-on practical experience in nothing but just drafting bankruptcy paperwork, who are just about the closest thing you can ever find to
being a specialist in bankruptcy paperwork and knowledge) will be the ones who will prepare EVERY single thing, every single form or paper,
that's needed for you to properly file for your bankruptcy – and to have it acceptable to the court, and taken in by them for proper filing. It’s as
simple as that! These are the top specialists in the matter who do this, ONLY, for a living, and are some of the most experienced that there is
in the business, anywhere! So, what more is there to say on this?
Other than to say, that with this highly reliable and dedicated staff of our bankruptcy document preparation specialists in charge, Afford-
Bankruptcy.Com will have your bankruptcy work properly done and no time. They will be the RIGHT papers, they will be the COMPLETE
papers, they will be PROPERLY done, and they will meet exactly the REQUIRED STANDARDS wanted by the courts for filing, period. With our
Full Service work, YOU IMMEDIATELY TAKE ANY GUESSWORK WHATSOEVER COMPLETELY OUT OF IT, PERIOD!
And for you, your only role in this? Just get your hands ready, warm, and fresh – to SIGN the papers on the proverbial “dotted lines” where
your name and signature are supposed to go. And that’s it. It’s off for you to your local Bankruptcy Court Clerk’s office to file the papers with
the Court and get immediate legal protection on your debts right away.
With us at the Afford-Bankruptcy.Com, the Full Service option is really that simple. That’s all there is to it. That’s what is known as the
AFFORD-BANKRUPTCY.COM ADVANTAGE!
Wish to ORDER this option, the FULL SERVICE? CLICK HERE.
Here, just so you'll have some idea, are basically the procedures involved in our Full Service work for you, if you order this service. Basically,
all you'll need to do is to provide us the information we need about your debts and finances, and our professional staff of bankruptcy
specialists will take care of the rest for you.
Here are the simple procedures, Step-By-Step:
(NOTE: Except for STEP 1, most of these steps below do NOT generally apply to you if you order Option
1 or Pure Do-it-yourself Method).
Step No.1: Order Our Bankruptcy Service, specify the FULL SERVICE Option. (Click on ORDER page HERE).
Upon your placing an order, you are immediately registered and assigned a User name and Password (for Online Computer Software
Method or Full Service Method customers only) which will allow you to log on online to our secure site. You can review while within the
SECURE area of the site, extensive helpful library of bankruptcy-filing information, and be able confidently to give our bankruptcy document
preparation specialists, the financial information about you that they need to go to work, knowing that it's all SECURE, SAFE and PRIVATE.
Step No. 2: Log in and Provide us the Bankruptcy information We Need
While logged in, you can use the guidelines provided for doing so, to search around for, and gather, assemble and locate, the various
pertinent financial and debt information that are necessary for your bankruptcy paperwork.
After you shall have taken some necessary time and made the necessary efforts, and located and gathered the necessary financial and other
information required, you are then to provide us such information (largely through user-friendly Questionnaires we’ll provide you). It’s actually
routine information that is required of every debtor who is filing for bankruptcy – your names and address, the names and addresses of your
creditors, the account numbers of the debt accounts, the dates when accounts were contracted or when last payments were made, etc. You
do not have to have all of the information in full before you may get started with us, nor do you need to know exactly how much you owe each
creditor. However, you’ll need to hurry up and make the essential efforts (following the guidelines we’ll provide you for properly doing that) to
ensure that no creditors or debts you owe, are missed or mistakenly left out, or other essential data or information overlooked. You can enter
some partial information, then save it with just the click of a button and continue with updates at another time, or another day, as is most
convenient for you, until you’re completely done and have covered every angle.
Step No. 3: We Properly Prepare your Documents for You.
NOTE, TAKE THE TIME YOU REQUIRE
At Afford-Bankruptcy.Com, our policy from our years of proven experience in the legal paperwork drafting business, is that “it’s a better
professional practice to take your time and get it RIGHT, than to rush it through and be wrong, mistaken or sorry” – the words of one of
our wise founders! Hence, we’re not one of those who put too much emphasis on cranking out the papers “in record time.” We’d rather just
turn out the RIGHT papers “in record time.” So, we’ll usually give you, our customer, the time you need or that is necessary (within reason), to
gather together and provide us your essential information, if you need to, in light of your own particular case or circumstances (e.g., say, in
your particular case, you have a lot of creditors and/or some of your creditors’ information are missing or have long been overlooked or
forgotten, or you’ve been moving from place to place, and you’re not quite sure you might not have been sued in some of those jurisdictions
or others and judgments sitting there against you without your knowing, etc).
Then, when you’re done entering your full information, and are satisfied that it’s all complete and accurate, our document preparation
specialists will promptly get to work - preparing the documents you need. They will examine, check and double check the papers. And then,
the finished papers will be sent to you by email attachment (or, could be by direct download), that you can readily open and print out on your
computer. (Or, if preferable, the papers could also be mailed to you in hard copies).
Step No. 4: You Print Out the Papers, Sign them and File them.
Upon your getting the papers from us, you print them out on your printer (or, if you’re not quite ready to file yet, you may save them to a disk for
later printing and use). If by any chance you own no printer, you can go to any computer place that has a printer that you can find, simply open
the email on their computer and print the documents on their printer. Thereafter, you then sign the printed documents at the spots indicated in
the papers, and then go ahead and file them with the Court Clerk’s office at your local Bankruptcy Court. (We provide you with the address
and phone numbers of the proper court where to file). You may file the documents either in person, or by mail. (If done by mail, just be sure to
do it by Certified Mail, with return receipt requested).
Step No. 5: Attending to Post-Petition Bankruptcy Filing Matters.
Next, after you’ve filed for bankruptcy, we’re not necessarily done with you still. Rather, we’ll stay with you to see you through the remainder of
the bankruptcy procedures - the Post-Petition filing matters.
For you, as a debtor, your filing of your bankruptcy petition with the court does not, of course, mean that your bankruptcy has been conclusion
and that the court has granted you your bankruptcy discharge freeing you from your debts. Of course not! Quite to the contrary, you’ll still have
a serious procedure that you’ll need to undergo before you can get your bankruptcy discharge by the judge, for a Chapter 7 cases, or, if a
Chapter 13 case, you'll still need to work out a viable Chapter 13 Payment Plan that would merit the Judge’s approval which you will then
need to execute over a period of 3 to 5 years.
Such matters are, in a word, called "Post-Petition" filing matters. In a Chapter 7 case, the major part of the post-petition issues that the debtor
will have to finish up, will include the following:
While for a Chapter 13 case, the major part of the post-petition issues that the debtor will have to attend to in order to finish up, will include
the following:
Again, for this post-petition aspects of your bankruptcy filing, Afford-Bankruptcy.Com personnel will stay with you to see you through all the
way on these remaining procedures in the bankruptcy process, providing you essential information and sources of information every inch of
the way, so that you’ll never feel you are alone or without knowledge or answer on completing the rest of the bankruptcy process. And at any
time in the process, even after you've filed for bankruptcy with the court, you can contact us (use the Customer Service Helpline that we'll
provide you) to ask any questions you might have about your case and get an answer (within the bounds of what we're authorized to do as a
Debt Relief Agency under law) to your questions at any time – until your bankruptcy is finalized and you’re finally discharged of your debt
burden.
Step No. 6: Repairing Your Credit.
Afford-Bankruptcy.com provides you a program that aids you get rehabilitated after bankruptcy, and gets you back to sound financial life very
quickly.
BOTTOM LINE: In the final analysis, which ever one is the CHOICE you prefer or make out of the THREE OPTIONS we offer, our
simple, inexpensive method just about GUARANTEES your getting your bankruptcy - at a low-low price you can readily AFFORD. Additional
information and educational material will be provided you AFTER you become a customer, at which point you will be provided access to our
extensive private, customer-only site and a rich treasury of other information on a whole variety of financial, credit and bankruptcy topics – on
means testing, on Chapter 13 bankruptcy, on property exemptions for individual states, affirmation of secured debts, etc.
To ORDER this Option, CLICK HERE.
[See our UNCONDITIONAL GUARANTEE]
OPTION 4: Attorney Service. [Note that we do NOT offer this service]
Basically, this kind of service involves enrolling with a bankruptcy attorney [assuming, of course, you can handle his/her usual standard
attorney fees for bankruptcy], and having the attorney prepare (or, more correctly stated, the paralegals he/she might have hired to be doing
this kind of work for him or her, prepare) the papers for your bankruptcy, and he'd file the bankruptcy papers for you with the bankruptcy court.
In other words, this kind of service is a lawyer-supervised service. THIS IS THE ONE SERVICE THAT WE DO NOT OFFER.
See below for more on the attorneys' bankruptcy charges and fee structure relative to ours).
Let us be perfectly clear right off the bat about one TRUTH with respect to the companies or persons who are classified as “Debt Relief
Agents or Agencies” under the Bankruptcy Code: it can be categorically “stipulated” (the lawyers’ language!) right away without any disputing
whatsoever, that NOT all debt relief agents or agencies – not all who operate or masquerade as bankruptcy lawyers, bankruptcy paralegals,
document preparers, etc., particularly on the Internet - are nearly equal! Not at all! They are not equal either relative to their own kind (one
bankruptcy attorney as against another, or one document preparer as against another), or in terms of one group relative to another – say, the
lawyers in comparison to document preparers. Some are often better than others. And there are really good ones (within and as against each
group), particularly in the Internet under the veil of cyberspace anonymity, who know what they are doing, while there are really terrible ones
who haven’t got even the foggiest idea of what they’re really doing in the bankruptcy filing business, and often go around merely just trying
hard to "fake it," just plagiarizing and plain stealing materials (matters they really don't know much about) from others, and hardly belong,
themselves, in that business! There are some who are competent and reputable; and there are others who are hardly worth it.
Nevertheless, there are a few elements that are substantially common to
all Debt Relief Agencies (or agents). For one thing, they ALL deal on
bankruptcy filing, in one way or the other, and then they ALL charge some
money to do it. In these current tough economic times in America, many
financial and credit experts and practitioners in the bankruptcy business,
have found that many overburdened debtors, being increasingly hard-pressed
and curious, frequently pose questions about their finances and about
bankruptcy, and particularly its affordability.
“In my practice, I regularly speak to individuals who are facing a financial crises
severe enough [that they even have to contemplate bankruptcy] …..Not
surprisingly, a common refrain I hear is “I never in a million
years thought I would ever be talking to a bankruptcy lawyer.” ... The next
question I get has to do with fees. “If I have no money, how am I supposed to
pay for a lawyer?” -- reported Janathan Ginsburg, an Atlanta, Georgia,
bankruptcy attorney, recently.
Alright, How Do the Services and Fees Compare Between the
Bankruptcy Attorney and those of the Full Service
bankruptcy document preparers (the FS)?
A legitimate and curious current question, for example, is what is the difference – both qualitatively and nominally – between the Full Service
bankruptcy assistance that online-based non-attorney companies, such as ours, provide debtors, and that provided by online bankruptcy
attorneys to debtors? One view of it, popular in certain quarters among non-attorney online providers of bankruptcy filing assistance, is
simply that there is “no difference,” or “little to none,” in terms of the actual or qualitative value of their work products for the debtor. The
principal argument is that for each side, the actual, principal work that each side does or turns up for the debtor – the relatively simple but
time-consuming, required paperwork prepared for use to file for bankruptcy – is more or less the same content and quality for the non-lawyer
prepared document, and the lawyer prepared. In each case, it is argued, the same set of documents are turned up by people who are
seemingly experienced and trained or skilled in document preparation, and, in deed, in many real instances, are one and the same
paralegals who work, or might have previously worked, for the bankruptcy lawyer’s office or the non-lawyer document preparer’s company. Or
for both.
But, in any event, in the final analysis, the finished bankruptcy documents that both sides provide the debtor, are generally the same and of
the same quality. The Bankruptcy Courts accept them, process them, and act on them, just the same! In deed, it is a specific provision in the
Bankruptcy Code that such persons may prepare such documents!
To a hard pressed and destitute debtor, the vexing, bothersome issue, is what's the justification, then, for the great disparity in the prices the
bankruptcy lawyers charge for bankruptcy work, relative to what the non-attorney bankruptcy document preparers charge for turning up
essentially the same work for the debtor? Bankruptcy lawyers would, of course, advance all sorts of convoluted arguments and conceive all
kinds of fancy justifications in defense of their extremely higher charges. That aspect, however, is a matter for another place and another day
for us here.
The Prices we charge and what the Lawyers’ charge for Bankruptcy work
Here, for the benefit and information of you, our customers, just so you’ll at least have an idea, here are the differences
in prices between what we charge and what the attorneys’ charge. And, quite importantly, the differential details in, and
the nature and structure of, these two sets of charges.
Afford-Bankruptcy.Com Services & Prices
Service: Full Service bankruptcy work. In our own service, at least, this involves our staff gathering the various documents and required tons
of papers and information together, and orderly arranging them and preparing all the legal forms and paperwork required by the debtor to file
for bankruptcy with the bankruptcy court. These workers are often highly trained and experienced paralegals (they average several years of
work and/or training in the industry) who are skilled at preparation of legal documents and bankruptcy papers, and are often (at least in Afford-
Bankruptcy.com's operations) well versed and knowledgeable in bankruptcy filing law and procedures. With the Full Service bankruptcy paper
preparer (at least with the reputable and better ones), the debtor tends generally to get a better service and greater attention, and more one-
on-one interaction for his or her case, along with the obvious far lower prices.
Our Charges. For Chapter 7, ONE PAYMENT ONLY of $239; and for Chapter 13, $359. Afford-Bankruptcy’s prices strictly follow an honest,
upfront pricing that’s based ONLY on “per project,” rather than on “per hour.” (That's in contrast to the attorneys’ charges, which are frequently
based on “per hour” hourly rate).
This means that, once we take any case at Afford-Bankruptcy.com from a debtor (once we take YOUR case, for example), you pay us, say it’s
a Chapter 7 case, just $239, and NOT a penny more on it, ever – no matter how many creditors you have (whether they’re 10 or 20, or 200), or
you happen to start out with 10 creditors, but turn up 100 or 200 more later. Or, you have to file some additional papers to get some of your
secured debts "affirmed" so you can keep, say, your car, etc. YOU JUST PAY US NOT ONE PENNY MORE. PERIOD!
The Time line. At Afford-Bankruptcy.Com, it takes us on average roughly one to two days to crank out the prepared, almost completed
package of bankruptcy documents for, say, a Chapter 7 case filing (in a case, that is, where the debtor has hastened and substantially
provides us the required financial information and documents necessary to do the papers). As a matter of policy, however, we will hold off
proving it to the debtor right away just so that the finishing touches, corrections and proper checkings can be made before the debtor gets it.
The Bankruptcy Attorneys' Services & Prices
Service: What they do is essentially akin to the Full Service bankruptcy type of work. This involves the lawyer – or, more accurately, a staff of
paralegals the he or she might have hired to actually do the work - gathering the various documents and required tons of documents and
information together, and orderly arranging them, and preparing all the legal forms and paperwork required to file for the debtor’s bankruptcy
with the bankruptcy court. As with in the case of the non-attorney Full Service paper preparation providers, these workers who directly do the
papers (the ones who are the persons that actually do the work in the lawyers' the lawyers), are often highly trained and experienced
paralegals (average several years of work and/or training in the industry) who are skilled at preparation of legal documents and bankruptcy
papers, and often, well versed in bankruptcy filing law and procedures.
Furthermore, in terms of quality of service, with the lawyers, within the ranks of the lawyers who do bankruptcy work in the current times, those
who file the bulk of the bankruptcy cases seem to be what Jonathan Ginsburg, the Atlanta Georgia bankruptcy attorney, calls “high volume
filers.” These lawyers file 100 to 500 or more bankruptcy cases per month, using largely paralegals and some younger lawyers to do the
paperwork, and for one thing, such high volume filers have a reputation for not offering much in the way of personal attention, but charge
somewhat smaller fees relative to the “boutique” bankruptcy lawyers (those who file more limited number of cases) – a "smaller" amount of
fees which Attorney Ginsburg admits, however, often still “appear to be too expensive” for some people “even [with] the lower fees and
generous terms” that such volume filers think their charges represent.
Lawyers’ Charges: For Chapter 7, there’s the “initial” charge of $2,000 – 2,500; and for Chapter 13, the “initial” charge of $4,000 –
$4,500. Unlike the Afford-Bankruptcy.com’s prices which strictly follow an honest, upfront pricing that’s based ONLY on one-time-only “per
project” basis, the attorneys’ charges are frequently based on “per hour” hourly rate. (For example, the attorneys’ “per hour” hourly rate
charge, was given as $228 (per hour) for their services in 2002, according to a respected independent research study, the 2002 Survey of
Law Firm Economics, made by Altman Weil Pensa Publication).
Further more, as a rule the lawyers’ fees for bankruptcy (the same, as well, in other issues) vary from lawyer to lawyer, and from one location
to another location, even from a lawyer in one block to another lawyer just in the next block. The charge (it’s usually referred to as the “initial”
charge) you’re quoted by the lawyer, is often only for the run-of-the-mill, routine kind of case – the simplest, most ordinary kind of bankruptcy
there is. So, if it turns out that you have, say, more creditors than “average” (say, above 15 or so, depending on which lawyer or what part of
the country), it will mean additional charge slapped onto your “initial” quoted charge. And, it can cost even more if it's a “complicated” case in
the lawyer's opinion.
And further, God-forbid if there’s “litigation” or some creditor challenge to a debt, that means additional cost for you, a BIG one. If you are in a
high-priced urban area, that alone will almost certainly guarantee more cost for you in filing for bankruptcy. Also, your lawyer will generally
want his payment made IN FULL and upfront before he'll represent you, especially if it’s a Chapter 7 case.
The Time line. Lawyers generally take an average of 2 to 3 weeks (if not more) to do the bankruptcy paper work for Chapter 7.
BOTTOM LINE:
In sum, for you as a debtor, what you should know is that bankruptcy lawyers’ generally make allowance to be able and in a position, after the
"initial" fee shall have been paid him or her, to tack on additional fees beyond the “initial” fees you are quoted when you first signed on. The
fee you are quoted by a lawyer in a bankruptcy case (even if you view it as excessive, already), may not be – and is often not – the final charge;
you may still have to pay more. And probably will, generally!
Not so, though, with AFFORD-BANKRUPTCY.COM. In contrast, that same very EXACT amount you’re quoted on day one, is the final and
ONLY charge you’ll get from us on the case – ever.
can use, each Low-cost:
OPTION 1: The Pure Do-it-Yourself Method.
PRICE: $39.00
Use of competent bankruptcy kits and instructional to assist the debtor to get his or her bankruptcy filed. This method of filing for bankruptcy is
actually the oldest and the most “original” method used by hard-pressed debtors to file for their bankruptcy - AFFORDABLY.
In objective terms, it is, in fact, a long-existing method that has been tried and tested – long before there was ever a computer or the Internet,
and still now - over generations of its wide use by millions and millions of American consumers, to whom it has been nothing short of a
proven, effective and legitimate, God sent method of attaining their prime goal of bankruptcy with affordability. The story is not different, by
the way, but precisely the same, in areas such as uncontested divorce, will-making, etc., where the American consumers have effectively
used written manuals, instructional guidebooks and kits, to secure their divorces or to make their wills, and so on, at lower rates that are far
more affordable for them! Nor, again objectively and factually, has there been any particularly special or unusual customer or product risk to
which the use of this method has been associated in all of its past, long history.
At the Afford-Bankruptcy.com, we offer debtors and bankruptcy-seekers who opt for this option or order it, instructional manuals that are
especially written and designed by reputable and proven experts in the subject, and in the use of self-help law techniques by consumers to
resolve such matters.
The procedure involved in this option is simple. You just place an order for this program, and we'll provide you with a package of specially
prepared and designed bankruptcy forms, complete with step-by-step instructions and information so expertly designed by our experts
that they furnish you with virtually everything you need to SUCCESSFULLY complete your own bankruptcy paperwork, and to properly file them
with the appropriate bankruptcy court, process your bankruptcy case, and to SUCCESSFULLY get your bankruptcy discharge freeing you from
your debts.
PLUS: You’ll have this website, the Afford-Bankruptcy.Com website, which is the companion site for our bankruptcy assistance programs,
along with the site's treasury of information that go with it (including its customer service helpline), always by your side to inform and guide
you along.
The Pure Do-it-Yourself Method is (in our objective and studied experience) a simple and effective bankruptcy-filing system that has, in fact,
proven to get the same job done for millions of the American consumers over the years and over generations which have used
that tool in preparing the necessary bankruptcy papers and getting them filed and successfully processed.
The prime advantage of using this type of method: It's the least expensive and most affordable of all methods available for filing for
bankruptcy; could cost you less than $39, if that, in total expenses to you, for you to be able to get the whole bankruptcy paperwork done.
NOTE: Always remember that at the Afford-Bankruptcy.com, we do not “just” offer “kits” or manuals, or the like, to customers. You’ll have, also,
this website, the awesome resources Afford-Bankruptcy.Com website, which is the companion site for our bankruptcy assistance programs,
along with the site’s treasury of information that go with it (including its customer service helpline), always by your side to inform and guide
you along.
Wish to ORDER this option 1? CLICK HERE.
=============================================================================================
PART OF AFFORD-BANKRUPTCY.COM'S
ARSENAL OF CUSTOMER TOOLS
This complete, 4-volume self-help bankruptcy instructional manuals that we offer, are
part of the arsenal of tools we use for our customer bankruptcy filing services.
Published by Selfhelper Law Press of America, these practical, self-help instructional
guidebooks, are authored by acclaimed writer and author and veteran self-help law
pioneer and expert, Benjamin Anosike, Ph.D. In the order listed above, from left to
right - the titles are Volumes 1, 2, 3, 4 of the author's "You Do Your Own Bankruptcy"
series.
Volume 1 (or Book 1), provides a detailed overview of the three most common types
of bankruptcies filed by debtors and businesses in America - Chapters 7, 13 and 11
bankruptcies. And details the basic requirements for a debtor to qualify under each
category. And each of the other 3 Volumes (Books 2, 3, 4) outlines the procedures
for the actual filing of bankruptcy under that given bankruptcy category (Chapters 7,
13 & 11), respectively, and for the processing of the case through the bankruptcy
court, from start to finish. All manuals incorporate all the changes in the latest
bankruptcy law, practice and procedure, through October 17, 2005, including the
2005 Bankruptcy Reform Act, up to early 2009.
ORDERING INFORMATION: Customers who want just the manual ONLY, may
order just the manual at $24.95 + $4.95 s/h, for each volume. Customers who order
Afford-Bankruptcy.com's OPTION 1 bankruptcy service (see above for the details)
will be provided this manual at no extra charge, as part of the program.
============================================================================================
OPTION 2: Online Computer Software or Quasi Do-it-yourself Method
Price: $109
Basically, this will involve you (the debtor) using an automated, online or web-based computer software we provide, which is located on our
own Afford-Bankruptcy.com web server, to prepare, in a do-it-yourself manner, your bankruptcy papers and documents with which you may file
for bankruptcy. Here, we’ll offer you our special online software that will allow you, from your computer from the comfort of your home or office,
to enter the required basic personal and financial information relating to your situation, into our powerful computer (and NOT into yours).
For this program, upon your placing an order for it, you are immediately registered and assigned a user name and Password (this is
required only for Online Computer Software Method or Full Service Method customers). This will allow you to log on online to our secure site
and automated software. In the meantime once in the secure site, you can review informational materials in the extensive library we have - all
helpful bankruptcy-filing information that can only be accessed from there. And then, you’ll be able confidently and confidentially to enter the
financial and other information about you that you’ll need to do your documents out of a SECURE and SAFE area where the security,
confidentiality, and privacy of your information are absolutely guaranteed. Also, while logged in, you'll be able to find information and
guidelines that are provided for it, to determine the best ways to search around for, and gather, assemble and locate, the various pertinent
financial and debt information that are necessary for your bankruptcy paperwork.
Next, once you are done with assembling your personal information (following the step-by-step guidelines you're provided on how to do so),
you’ll then need to enter online into our computer, that financial information and other data - your name, address, debt figures, the creditors to
whom you owe, your finances, outstanding money judgments against you, if any, etc. Then you answer a few questions that are standard
questions required by the bankruptcy system to be furnish the bankruptcy court. And, that's just about it. Your finished bankruptcy papers will
be generated and should be ready to be filed in court.
Next, you'll have any number of opportunities as you want to review, refine, correct, and change the contents of the papers. Once you are
certain that the papers are finally o.k., you press the PRINT or FINISH button on your computer, and the completed number of pages of your
bankruptcy documents will slide out of your printer, ready for your signature. And ready for filing in court, after that. You simply sign those
papers. Then, follow the simple instructions we will provide you, and go and file the papers at the appropriate local bankruptcy court address
in your locality that we'll provide you, and follow through and finish up the remaining processing of your bankruptcy case. And, finally, you shall
have gotten in your hands your bankruptcy DISCHARGE from the court - freeing you from your debts.
For this Option, it’s really that simple! Our online software is a state-of-the-art technology that’s specially designed by bankruptcy experts so
that it has a special interview wizard feature (among other wonderful features) that makes your entering your information in the system so
easy, straightforward and effortless.
PLUS: You’ll have the benefit of one major, unique and invaluable advantage of our program. You’ll have this website, the Afford-Bankruptcy.
Com website, which is the companion site for our bankruptcy assistance programs, along with the site’s treasury of information that go with it
(including its customer service helpline), always by your side to inform and guide you along. Just about the same thing as we do for our
customers who order our Full Service program, as described in Option 3 below.
The prime advantage of using this Option 2 method: the software basically gets the job done for you. And, very importantly, it gets it done for
you at quite an AFFORDABLE price. It, too, is a tried-and-tested system that is long proven with our customers to accomplish the basic
objective for the debtor – never has it failed us even once! Actually, the software we provide you for this service, is designed, developed and
produced by bankruptcy lawyers and experts who are experts at the ins and out of bankruptcy, and so, once you are done entering the right
and complete information about your debts and finances into the system, you can jolly well put your mind at rest because it sure will generally
generate a set of correct and accurate finished bankruptcy papers for you that will invariably be acceptable to the Court Clerk for filing. [That’s
part of our UNCONDITIONAL GUARANTEE]
SOME DISADVANTAGES IN OPTION #2
But you should note, however, that this bankruptcy filing option is still a do-it-yourself
method, or, as we like to call it at the Afford-Bankruptcy.Com, a quasi-do-it-yourself
method. Nothing particularly wrong with that, really. But just that you should be aware
of that. In other words, sure the automated software completely fills out the bankruptcy
forms for you and you may never have to handle filling out even a single form or to
figure out the bankruptcy forms or make the calculations. But (like all software), it’s still
a do-it-yourself system – YOU are still the one who’s going to do it by yourself – with the
aid of a software. That is, unlike, say, the Full Service method or the use of an attorney
to do your bankruptcy, where you have many trained or skilled persons who’re already
familiar with the system or what to look for in bankruptcy documents as the ones doing
the work, with this Option 2 method, YOU alone are basically the only person doing the work with nobody else involved or responsible, with
nobody else preparing or aiding in the preparation of the documents, or checking them for whether or not they comply with the bankruptcy law
or standards, etc.
Nevertheless, that’s why this method, the use of the automated software, for filing for your bankruptcy, costs you far less than it will cost you
using the other two options, Options 3 or 4: all those physical bodies who will have to do the work in either one of those Options (Options 3 or
4), would have had to be paid for their services! Nevertheless, in Option 2 filing system, the job still gets done, and you still get your
bankruptcy processed. And, still pretty AFFORDABLY.
NOTE: Always remember that at the Afford-Bankruptcy.com, we do not “just” offer bankruptcy “software” or instructions, or the like, to
customers. You’ll have, also, this website, the Afford-Bankruptcy.Com website, which is the companion site for our bankruptcy assistance
programs, along with the site’s treasury of information that go with it (including its customer service helpline), always by your side to inform
and guide you along.
Wish to ORDER this Option #2?CLICK HERE.
OPTION 3: Full Service Bankruptcy Service.
Price: $239, Chapter 7; $359, Chapter 13
Here, if you prefer or sign up for this option, here’s how this service works.
Our staff of expert Bankruptcy Document Preparers (these are all trained, experienced professionals at bankruptcy work with years of actual,
hands-on practical experience in nothing but just drafting bankruptcy paperwork, who are just about the closest thing you can ever find to
being a specialist in bankruptcy paperwork and knowledge) will be the ones who will prepare EVERY single thing, every single form or paper,
that's needed for you to properly file for your bankruptcy – and to have it acceptable to the court, and taken in by them for proper filing. It’s as
simple as that! These are the top specialists in the matter who do this, ONLY, for a living, and are some of the most experienced that there is
in the business, anywhere! So, what more is there to say on this?
Other than to say, that with this highly reliable and dedicated staff of our bankruptcy document preparation specialists in charge, Afford-
Bankruptcy.Com will have your bankruptcy work properly done and no time. They will be the RIGHT papers, they will be the COMPLETE
papers, they will be PROPERLY done, and they will meet exactly the REQUIRED STANDARDS wanted by the courts for filing, period. With our
Full Service work, YOU IMMEDIATELY TAKE ANY GUESSWORK WHATSOEVER COMPLETELY OUT OF IT, PERIOD!
And for you, your only role in this? Just get your hands ready, warm, and fresh – to SIGN the papers on the proverbial “dotted lines” where
your name and signature are supposed to go. And that’s it. It’s off for you to your local Bankruptcy Court Clerk’s office to file the papers with
the Court and get immediate legal protection on your debts right away.
With us at the Afford-Bankruptcy.Com, the Full Service option is really that simple. That’s all there is to it. That’s what is known as the
AFFORD-BANKRUPTCY.COM ADVANTAGE!
Wish to ORDER this option, the FULL SERVICE? CLICK HERE.
Here, just so you'll have some idea, are basically the procedures involved in our Full Service work for you, if you order this service. Basically,
all you'll need to do is to provide us the information we need about your debts and finances, and our professional staff of bankruptcy
specialists will take care of the rest for you.
Here are the simple procedures, Step-By-Step:
(NOTE: Except for STEP 1, most of these steps below do NOT generally apply to you if you order Option
1 or Pure Do-it-yourself Method).
Step No.1: Order Our Bankruptcy Service, specify the FULL SERVICE Option. (Click on ORDER page HERE).
Upon your placing an order, you are immediately registered and assigned a User name and Password (for Online Computer Software
Method or Full Service Method customers only) which will allow you to log on online to our secure site. You can review while within the
SECURE area of the site, extensive helpful library of bankruptcy-filing information, and be able confidently to give our bankruptcy document
preparation specialists, the financial information about you that they need to go to work, knowing that it's all SECURE, SAFE and PRIVATE.
Step No. 2: Log in and Provide us the Bankruptcy information We Need
While logged in, you can use the guidelines provided for doing so, to search around for, and gather, assemble and locate, the various
pertinent financial and debt information that are necessary for your bankruptcy paperwork.
After you shall have taken some necessary time and made the necessary efforts, and located and gathered the necessary financial and other
information required, you are then to provide us such information (largely through user-friendly Questionnaires we’ll provide you). It’s actually
routine information that is required of every debtor who is filing for bankruptcy – your names and address, the names and addresses of your
creditors, the account numbers of the debt accounts, the dates when accounts were contracted or when last payments were made, etc. You
do not have to have all of the information in full before you may get started with us, nor do you need to know exactly how much you owe each
creditor. However, you’ll need to hurry up and make the essential efforts (following the guidelines we’ll provide you for properly doing that) to
ensure that no creditors or debts you owe, are missed or mistakenly left out, or other essential data or information overlooked. You can enter
some partial information, then save it with just the click of a button and continue with updates at another time, or another day, as is most
convenient for you, until you’re completely done and have covered every angle.
Step No. 3: We Properly Prepare your Documents for You.
NOTE, TAKE THE TIME YOU REQUIRE
At Afford-Bankruptcy.Com, our policy from our years of proven experience in the legal paperwork drafting business, is that “it’s a better
professional practice to take your time and get it RIGHT, than to rush it through and be wrong, mistaken or sorry” – the words of one of
our wise founders! Hence, we’re not one of those who put too much emphasis on cranking out the papers “in record time.” We’d rather just
turn out the RIGHT papers “in record time.” So, we’ll usually give you, our customer, the time you need or that is necessary (within reason), to
gather together and provide us your essential information, if you need to, in light of your own particular case or circumstances (e.g., say, in
your particular case, you have a lot of creditors and/or some of your creditors’ information are missing or have long been overlooked or
forgotten, or you’ve been moving from place to place, and you’re not quite sure you might not have been sued in some of those jurisdictions
or others and judgments sitting there against you without your knowing, etc).
Then, when you’re done entering your full information, and are satisfied that it’s all complete and accurate, our document preparation
specialists will promptly get to work - preparing the documents you need. They will examine, check and double check the papers. And then,
the finished papers will be sent to you by email attachment (or, could be by direct download), that you can readily open and print out on your
computer. (Or, if preferable, the papers could also be mailed to you in hard copies).
Step No. 4: You Print Out the Papers, Sign them and File them.
Upon your getting the papers from us, you print them out on your printer (or, if you’re not quite ready to file yet, you may save them to a disk for
later printing and use). If by any chance you own no printer, you can go to any computer place that has a printer that you can find, simply open
the email on their computer and print the documents on their printer. Thereafter, you then sign the printed documents at the spots indicated in
the papers, and then go ahead and file them with the Court Clerk’s office at your local Bankruptcy Court. (We provide you with the address
and phone numbers of the proper court where to file). You may file the documents either in person, or by mail. (If done by mail, just be sure to
do it by Certified Mail, with return receipt requested).
Step No. 5: Attending to Post-Petition Bankruptcy Filing Matters.
Next, after you’ve filed for bankruptcy, we’re not necessarily done with you still. Rather, we’ll stay with you to see you through the remainder of
the bankruptcy procedures - the Post-Petition filing matters.
For you, as a debtor, your filing of your bankruptcy petition with the court does not, of course, mean that your bankruptcy has been conclusion
and that the court has granted you your bankruptcy discharge freeing you from your debts. Of course not! Quite to the contrary, you’ll still have
a serious procedure that you’ll need to undergo before you can get your bankruptcy discharge by the judge, for a Chapter 7 cases, or, if a
Chapter 13 case, you'll still need to work out a viable Chapter 13 Payment Plan that would merit the Judge’s approval which you will then
need to execute over a period of 3 to 5 years.
Such matters are, in a word, called "Post-Petition" filing matters. In a Chapter 7 case, the major part of the post-petition issues that the debtor
will have to finish up, will include the following:
- Attendance of the Creditors' Meeting;
- reaffirmation of a debt in order to be able to keep a car or home, if applicable;
- amendment of your petition papers (if necessary)
- attendance of the financial management course
While for a Chapter 13 case, the major part of the post-petition issues that the debtor will have to attend to in order to finish up, will include
the following:
- Attendance of the Creditors' Meeting;
- Modification of the Payment Plan, as is necessary
- Attendance of the Confirmation Hearing before the judge to approve your proposed plan;
- amendment of your petition papers (if necessary),
- attendance of the financial management course
- making payments on the approved payment plan
Again, for this post-petition aspects of your bankruptcy filing, Afford-Bankruptcy.Com personnel will stay with you to see you through all the
way on these remaining procedures in the bankruptcy process, providing you essential information and sources of information every inch of
the way, so that you’ll never feel you are alone or without knowledge or answer on completing the rest of the bankruptcy process. And at any
time in the process, even after you've filed for bankruptcy with the court, you can contact us (use the Customer Service Helpline that we'll
provide you) to ask any questions you might have about your case and get an answer (within the bounds of what we're authorized to do as a
Debt Relief Agency under law) to your questions at any time – until your bankruptcy is finalized and you’re finally discharged of your debt
burden.
Step No. 6: Repairing Your Credit.
Afford-Bankruptcy.com provides you a program that aids you get rehabilitated after bankruptcy, and gets you back to sound financial life very
quickly.
BOTTOM LINE: In the final analysis, which ever one is the CHOICE you prefer or make out of the THREE OPTIONS we offer, our
simple, inexpensive method just about GUARANTEES your getting your bankruptcy - at a low-low price you can readily AFFORD. Additional
information and educational material will be provided you AFTER you become a customer, at which point you will be provided access to our
extensive private, customer-only site and a rich treasury of other information on a whole variety of financial, credit and bankruptcy topics – on
means testing, on Chapter 13 bankruptcy, on property exemptions for individual states, affirmation of secured debts, etc.
To ORDER this Option, CLICK HERE.
[See our UNCONDITIONAL GUARANTEE]
OPTION 4: Attorney Service. [Note that we do NOT offer this service]
Basically, this kind of service involves enrolling with a bankruptcy attorney [assuming, of course, you can handle his/her usual standard
attorney fees for bankruptcy], and having the attorney prepare (or, more correctly stated, the paralegals he/she might have hired to be doing
this kind of work for him or her, prepare) the papers for your bankruptcy, and he'd file the bankruptcy papers for you with the bankruptcy court.
In other words, this kind of service is a lawyer-supervised service. THIS IS THE ONE SERVICE THAT WE DO NOT OFFER.
See below for more on the attorneys' bankruptcy charges and fee structure relative to ours).
Let us be perfectly clear right off the bat about one TRUTH with respect to the companies or persons who are classified as “Debt Relief
Agents or Agencies” under the Bankruptcy Code: it can be categorically “stipulated” (the lawyers’ language!) right away without any disputing
whatsoever, that NOT all debt relief agents or agencies – not all who operate or masquerade as bankruptcy lawyers, bankruptcy paralegals,
document preparers, etc., particularly on the Internet - are nearly equal! Not at all! They are not equal either relative to their own kind (one
bankruptcy attorney as against another, or one document preparer as against another), or in terms of one group relative to another – say, the
lawyers in comparison to document preparers. Some are often better than others. And there are really good ones (within and as against each
group), particularly in the Internet under the veil of cyberspace anonymity, who know what they are doing, while there are really terrible ones
who haven’t got even the foggiest idea of what they’re really doing in the bankruptcy filing business, and often go around merely just trying
hard to "fake it," just plagiarizing and plain stealing materials (matters they really don't know much about) from others, and hardly belong,
themselves, in that business! There are some who are competent and reputable; and there are others who are hardly worth it.
Nevertheless, there are a few elements that are substantially common to
all Debt Relief Agencies (or agents). For one thing, they ALL deal on
bankruptcy filing, in one way or the other, and then they ALL charge some
money to do it. In these current tough economic times in America, many
financial and credit experts and practitioners in the bankruptcy business,
have found that many overburdened debtors, being increasingly hard-pressed
and curious, frequently pose questions about their finances and about
bankruptcy, and particularly its affordability.
“In my practice, I regularly speak to individuals who are facing a financial crises
severe enough [that they even have to contemplate bankruptcy] …..Not
surprisingly, a common refrain I hear is “I never in a million
years thought I would ever be talking to a bankruptcy lawyer.” ... The next
question I get has to do with fees. “If I have no money, how am I supposed to
pay for a lawyer?” -- reported Janathan Ginsburg, an Atlanta, Georgia,
bankruptcy attorney, recently.
Alright, How Do the Services and Fees Compare Between the
Bankruptcy Attorney and those of the Full Service
bankruptcy document preparers (the FS)?
A legitimate and curious current question, for example, is what is the difference – both qualitatively and nominally – between the Full Service
bankruptcy assistance that online-based non-attorney companies, such as ours, provide debtors, and that provided by online bankruptcy
attorneys to debtors? One view of it, popular in certain quarters among non-attorney online providers of bankruptcy filing assistance, is
simply that there is “no difference,” or “little to none,” in terms of the actual or qualitative value of their work products for the debtor. The
principal argument is that for each side, the actual, principal work that each side does or turns up for the debtor – the relatively simple but
time-consuming, required paperwork prepared for use to file for bankruptcy – is more or less the same content and quality for the non-lawyer
prepared document, and the lawyer prepared. In each case, it is argued, the same set of documents are turned up by people who are
seemingly experienced and trained or skilled in document preparation, and, in deed, in many real instances, are one and the same
paralegals who work, or might have previously worked, for the bankruptcy lawyer’s office or the non-lawyer document preparer’s company. Or
for both.
But, in any event, in the final analysis, the finished bankruptcy documents that both sides provide the debtor, are generally the same and of
the same quality. The Bankruptcy Courts accept them, process them, and act on them, just the same! In deed, it is a specific provision in the
Bankruptcy Code that such persons may prepare such documents!
To a hard pressed and destitute debtor, the vexing, bothersome issue, is what's the justification, then, for the great disparity in the prices the
bankruptcy lawyers charge for bankruptcy work, relative to what the non-attorney bankruptcy document preparers charge for turning up
essentially the same work for the debtor? Bankruptcy lawyers would, of course, advance all sorts of convoluted arguments and conceive all
kinds of fancy justifications in defense of their extremely higher charges. That aspect, however, is a matter for another place and another day
for us here.
The Prices we charge and what the Lawyers’ charge for Bankruptcy work
Here, for the benefit and information of you, our customers, just so you’ll at least have an idea, here are the differences
in prices between what we charge and what the attorneys’ charge. And, quite importantly, the differential details in, and
the nature and structure of, these two sets of charges.
Afford-Bankruptcy.Com Services & Prices
Service: Full Service bankruptcy work. In our own service, at least, this involves our staff gathering the various documents and required tons
of papers and information together, and orderly arranging them and preparing all the legal forms and paperwork required by the debtor to file
for bankruptcy with the bankruptcy court. These workers are often highly trained and experienced paralegals (they average several years of
work and/or training in the industry) who are skilled at preparation of legal documents and bankruptcy papers, and are often (at least in Afford-
Bankruptcy.com's operations) well versed and knowledgeable in bankruptcy filing law and procedures. With the Full Service bankruptcy paper
preparer (at least with the reputable and better ones), the debtor tends generally to get a better service and greater attention, and more one-
on-one interaction for his or her case, along with the obvious far lower prices.
Our Charges. For Chapter 7, ONE PAYMENT ONLY of $239; and for Chapter 13, $359. Afford-Bankruptcy’s prices strictly follow an honest,
upfront pricing that’s based ONLY on “per project,” rather than on “per hour.” (That's in contrast to the attorneys’ charges, which are frequently
based on “per hour” hourly rate).
This means that, once we take any case at Afford-Bankruptcy.com from a debtor (once we take YOUR case, for example), you pay us, say it’s
a Chapter 7 case, just $239, and NOT a penny more on it, ever – no matter how many creditors you have (whether they’re 10 or 20, or 200), or
you happen to start out with 10 creditors, but turn up 100 or 200 more later. Or, you have to file some additional papers to get some of your
secured debts "affirmed" so you can keep, say, your car, etc. YOU JUST PAY US NOT ONE PENNY MORE. PERIOD!
The Time line. At Afford-Bankruptcy.Com, it takes us on average roughly one to two days to crank out the prepared, almost completed
package of bankruptcy documents for, say, a Chapter 7 case filing (in a case, that is, where the debtor has hastened and substantially
provides us the required financial information and documents necessary to do the papers). As a matter of policy, however, we will hold off
proving it to the debtor right away just so that the finishing touches, corrections and proper checkings can be made before the debtor gets it.
The Bankruptcy Attorneys' Services & Prices
Service: What they do is essentially akin to the Full Service bankruptcy type of work. This involves the lawyer – or, more accurately, a staff of
paralegals the he or she might have hired to actually do the work - gathering the various documents and required tons of documents and
information together, and orderly arranging them, and preparing all the legal forms and paperwork required to file for the debtor’s bankruptcy
with the bankruptcy court. As with in the case of the non-attorney Full Service paper preparation providers, these workers who directly do the
papers (the ones who are the persons that actually do the work in the lawyers' the lawyers), are often highly trained and experienced
paralegals (average several years of work and/or training in the industry) who are skilled at preparation of legal documents and bankruptcy
papers, and often, well versed in bankruptcy filing law and procedures.
Furthermore, in terms of quality of service, with the lawyers, within the ranks of the lawyers who do bankruptcy work in the current times, those
who file the bulk of the bankruptcy cases seem to be what Jonathan Ginsburg, the Atlanta Georgia bankruptcy attorney, calls “high volume
filers.” These lawyers file 100 to 500 or more bankruptcy cases per month, using largely paralegals and some younger lawyers to do the
paperwork, and for one thing, such high volume filers have a reputation for not offering much in the way of personal attention, but charge
somewhat smaller fees relative to the “boutique” bankruptcy lawyers (those who file more limited number of cases) – a "smaller" amount of
fees which Attorney Ginsburg admits, however, often still “appear to be too expensive” for some people “even [with] the lower fees and
generous terms” that such volume filers think their charges represent.
Lawyers’ Charges: For Chapter 7, there’s the “initial” charge of $2,000 – 2,500; and for Chapter 13, the “initial” charge of $4,000 –
$4,500. Unlike the Afford-Bankruptcy.com’s prices which strictly follow an honest, upfront pricing that’s based ONLY on one-time-only “per
project” basis, the attorneys’ charges are frequently based on “per hour” hourly rate. (For example, the attorneys’ “per hour” hourly rate
charge, was given as $228 (per hour) for their services in 2002, according to a respected independent research study, the 2002 Survey of
Law Firm Economics, made by Altman Weil Pensa Publication).
Further more, as a rule the lawyers’ fees for bankruptcy (the same, as well, in other issues) vary from lawyer to lawyer, and from one location
to another location, even from a lawyer in one block to another lawyer just in the next block. The charge (it’s usually referred to as the “initial”
charge) you’re quoted by the lawyer, is often only for the run-of-the-mill, routine kind of case – the simplest, most ordinary kind of bankruptcy
there is. So, if it turns out that you have, say, more creditors than “average” (say, above 15 or so, depending on which lawyer or what part of
the country), it will mean additional charge slapped onto your “initial” quoted charge. And, it can cost even more if it's a “complicated” case in
the lawyer's opinion.
And further, God-forbid if there’s “litigation” or some creditor challenge to a debt, that means additional cost for you, a BIG one. If you are in a
high-priced urban area, that alone will almost certainly guarantee more cost for you in filing for bankruptcy. Also, your lawyer will generally
want his payment made IN FULL and upfront before he'll represent you, especially if it’s a Chapter 7 case.
The Time line. Lawyers generally take an average of 2 to 3 weeks (if not more) to do the bankruptcy paper work for Chapter 7.
BOTTOM LINE:
In sum, for you as a debtor, what you should know is that bankruptcy lawyers’ generally make allowance to be able and in a position, after the
"initial" fee shall have been paid him or her, to tack on additional fees beyond the “initial” fees you are quoted when you first signed on. The
fee you are quoted by a lawyer in a bankruptcy case (even if you view it as excessive, already), may not be – and is often not – the final charge;
you may still have to pay more. And probably will, generally!
Not so, though, with AFFORD-BANKRUPTCY.COM. In contrast, that same very EXACT amount you’re quoted on day one, is the final and
ONLY charge you’ll get from us on the case – ever.
Offering the BEST and MOST AFFORDABLE bankruptcy filing prices to
consumers for the kind of high quality work they need.
WHAT WILL IT COST
YOU WITH US?
You Have THREE Options for
You to Pick From
At the Afford-Bankruptcy.com, we have built a strong
and loyal base of customers that has consistently
sent us referrals of friends, family, neighbors and
coworkers. And one major reason for this is that
we've had just about the lowest prices for
quality results available anywhere in the
industry, whether online or offline, relative
to the type and QUALITY of work we
produce and provide our customers.
....and the HIGHEST CUSTOMER
SATISFACTION......!
consumers for the kind of high quality work they need.
WHAT WILL IT COST
YOU WITH US?
You Have THREE Options for
You to Pick From
At the Afford-Bankruptcy.com, we have built a strong
and loyal base of customers that has consistently
sent us referrals of friends, family, neighbors and
coworkers. And one major reason for this is that
we've had just about the lowest prices for
quality results available anywhere in the
industry, whether online or offline, relative
to the type and QUALITY of work we
produce and provide our customers.
....and the HIGHEST CUSTOMER
SATISFACTION......!
| We're a federal DEBT RELIEF AGENCY under the U.S. Bankruptcy Code, NOT Lawyers or a Law Firm. And we provide bankruptcy relief aid services to America's debtors at LOW-LOW AFFORDABLE costs. Doing it since 1996. WHY WE’RE NUMBER # 1. The Number #1 Quality, Low-cost, Online Bankruptcy Service Provider to America's Debtors. See the "Afford-Bankruptcy.com Advantage." CLICK HERE |
In my practice, I regularly
speak to individuals who are
facing a financial crises
severe enough [that they even
have to contemplate
bankruptcy] …..Not
surprisingly, a common refrain
I hear is “I never in a million
years thought I would ever be
talking to a bankruptcy
lawyer.” I understand this
sentiment fully. The next
question I get has to do with
fees. 'If I have no money, how
am I supposed to pay for a
lawyer?' " - Janathan
Ginsburg, bankruptcy
attorney, Atlanta, Ga.
speak to individuals who are
facing a financial crises
severe enough [that they even
have to contemplate
bankruptcy] …..Not
surprisingly, a common refrain
I hear is “I never in a million
years thought I would ever be
talking to a bankruptcy
lawyer.” I understand this
sentiment fully. The next
question I get has to do with
fees. 'If I have no money, how
am I supposed to pay for a
lawyer?' " - Janathan
Ginsburg, bankruptcy
attorney, Atlanta, Ga.
------------------------------------------------------------------
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including, but not limited to, written contents, graphics or logos, may be copied, photocopied, reproduced, published, posted, translated or reduced to any
electronic medium or machine-readable form, in whole or in part, or otherwise used, without the specific written permission and authorization of the Site’s
Director. All rights, titles and interests (including, but not limited to, all copyrights, trademarks, service marks, patents and other intellectual property rights)
in this Site, as applicable, as well as its content, belong to Afford-Bankruptcy.com, and we reserve the absolute rights to prosecute any and all person
(s) or entities, to the fullest extent of the law, who infringe upon any rights hereto in any manner whatsoever. NOTE, also, that when you read or use
this site, you are doing so solely and only under the understandings and the agreement which you’ve duly entered into in this: TERMS OF USE .
LEGAL DISCLAIMER
The material and contents on this web Page, and on ALL the other like pages on this website (including every other law-related informational material in
this whole website), are a somewhat detailed LIBRARY of credit and bankruptcy laws and information primarily intended for the general information of
visitors to this site, and our customers and the American consumer, for their general education and enlightenment on the subject matter of personal credit
and bankruptcy. It is NOT intended, however, as - nor should any reader of any kind or nature at all ever deem or conceive it in any way, shape or
form whatsoever, to be - legal advice on credit or bankruptcy or any other matter, concerning his or own her particular or specific financial, credit or
legal needs or problems relative to bankruptcy. If you (any reader herein) need any such or other legal advice, you should consult a competent attorney
skilled and knowledgeable in those matters. For the most complete information relating to this, please be sure to FIRST read our Full TERMS &
CONDITION OF USE of this Website
See Full TERMS & CONDITIONS OF USE OF THIS WEBSITE.
Copyrights ©1996 - 2009 by Affordablelaws.net, Afford-Bankruptcy.com. All rights reserved. No part of any materials and contents on this Web site,
including, but not limited to, written contents, graphics or logos, may be copied, photocopied, reproduced, published, posted, translated or reduced to any
electronic medium or machine-readable form, in whole or in part, or otherwise used, without the specific written permission and authorization of the Site’s
Director. All rights, titles and interests (including, but not limited to, all copyrights, trademarks, service marks, patents and other intellectual property rights)
in this Site, as applicable, as well as its content, belong to Afford-Bankruptcy.com, and we reserve the absolute rights to prosecute any and all person
(s) or entities, to the fullest extent of the law, who infringe upon any rights hereto in any manner whatsoever. NOTE, also, that when you read or use
this site, you are doing so solely and only under the understandings and the agreement which you’ve duly entered into in this: TERMS OF USE .
LEGAL DISCLAIMER
The material and contents on this web Page, and on ALL the other like pages on this website (including every other law-related informational material in
this whole website), are a somewhat detailed LIBRARY of credit and bankruptcy laws and information primarily intended for the general information of
visitors to this site, and our customers and the American consumer, for their general education and enlightenment on the subject matter of personal credit
and bankruptcy. It is NOT intended, however, as - nor should any reader of any kind or nature at all ever deem or conceive it in any way, shape or
form whatsoever, to be - legal advice on credit or bankruptcy or any other matter, concerning his or own her particular or specific financial, credit or
legal needs or problems relative to bankruptcy. If you (any reader herein) need any such or other legal advice, you should consult a competent attorney
skilled and knowledgeable in those matters. For the most complete information relating to this, please be sure to FIRST read our Full TERMS &
CONDITION OF USE of this Website
See Full TERMS & CONDITIONS OF USE OF THIS WEBSITE.
=============
NO LEGAL
FEES, SO YOU
CAN'T FILE?
You have to pay the Chapter
7 legal fees upfront in cash.
You can be too poor to go
bankrupt,” -- Professor
Robert M. Lawless,
University of Illinois College
of Law.
-----------------------
“It may sound like a Catch-
22: you have no money so
you're filing for bankruptcy,
but you need [legal fee]
money so you can file for
bankruptcy." -- Jenny C.
McCune, a contributing
editor at Bankrate.com on
having to "finance bankruptcy
filing."
====================
NO LEGAL
FEES, SO YOU
CAN'T FILE?
You have to pay the Chapter
7 legal fees upfront in cash.
You can be too poor to go
bankrupt,” -- Professor
Robert M. Lawless,
University of Illinois College
of Law.
-----------------------
“It may sound like a Catch-
22: you have no money so
you're filing for bankruptcy,
but you need [legal fee]
money so you can file for
bankruptcy." -- Jenny C.
McCune, a contributing
editor at Bankrate.com on
having to "finance bankruptcy
filing."
====================
| A Low-cost Alternative Bankruptcy Filing System to Lawyers' High Legal Costs That Make Bankruptcy AFFORDABLE to Almost EVERY Debtor & Within Their Reach. |
OUR SERVICES Afford-Bankruptcy.com |
Our 4-Volume Massive Bankruptcy Library - Part of Our
Arsenal of Customer Tools that get the job done for
YOU. The AFFORD-BANKRUPTCY.COM
ADVANTAGE that makes us Number #1. Volumes
1, 2, 3, 4 (top left to right, bottom left to right).
Arsenal of Customer Tools that get the job done for
YOU. The AFFORD-BANKRUPTCY.COM
ADVANTAGE that makes us Number #1. Volumes
1, 2, 3, 4 (top left to right, bottom left to right).
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| PlaceYour Order HERE |
| "Great service. Made me able finally to declare [bankruptcy] that I just badly needed to do. With no job, poor health....My only regret is that I did not find you sooner. I kept putting off filing for so long because I didn't have the fees the lawyers wanted ....If I had found you sooner I would not have paid (wasted, really) all that money that I paid my creditors within all that time." -- Gorky G., Philadelphia, PA |
Our total charge for FULL SERVICE bankruptcy service? Only $239 (compared to the lawyers' average
fee of $2,500) for a Chapter 7; and $359 for Chapter 13 for the kind of quality work and services we do
(as compared to the lawyers' average charge of $4,000-$4,500),
fee of $2,500) for a Chapter 7; and $359 for Chapter 13 for the kind of quality work and services we do
(as compared to the lawyers' average charge of $4,000-$4,500),
| IMPORTANT: Want Other Debt Relief Options? Bankruptcy is NOT the only debt relief solution a debtor may use. There are 6 (with us, 7) options available to debtors from which you may pick.. Almost every one of those other options, however (except for one), require payments of some sort to be made to the creditor by the debtor. See HERE for a summary of those options. You may choose or prefer to use another debt solution option other than filing bankruptcy, if that better suits you or your circumstances or needs. Afford-Bankruptcy.Com has assembled, for the benefit and security of debtors, the best and most reliable among the organizations that offer debt relief services in each of these other categories. Go to HERE. |
AFFORDABLE
BANKRUPTCY.
BANKRUPTCY.
GET
TODAY
TODAY
Chapter 7 - $239
Chapter 13 - $359
Chapter 13 - $359
Plus, NO LAWYERS'
BIG FEES!
BIG FEES!
Here, QUALITY + AFFORDABLE
Bankruptcy go together!
Bankruptcy go together!
| The SERVICES WE OFFER |
At
Afford-Bankruptcy.Com
when it's guaranteed,
it's GUARANTEED!
Afford-Bankruptcy.Com
when it's guaranteed,
it's GUARANTEED!
| COMPARE.... THE ATTORNEYS' SERVICES FOR YOU & HIS FEES, -VS- A COMPETENT BANKRUPTCY FULL SERVICE PROVIDER'S |
| BUT A WORD ABOUT PRICES .... BEWARE OF the QUALITY of SCAM DOCUMENT PREPARERS WHO CLAIM THEY'LL DO THE WORK FOR LESS Click for the details HERE |
| The Procedures Involved in Our FULL SERVICE Option |