
OUR MISSION……..
BANKRUPTCY, A BASIC CONSTITUTIONAL RIGHT.
Bankruptcy is A BASIC CONSTITUTIONAL RIGHT of
citizenship to every American consumer. So, here at
the Afford-Bankruptcy.com, our mission is simple:
simply to make YOU able to obtain that
constitutionally granted citizenship right
BY MAKING BANKRUPTCY AFFORDABLE for YOU.
Today, in this early 21st century, what is merely referred to
by everyone simply as "bankruptcy," without much emotion,
is actually something of a sacred RIGHT explicitly
conferred by the very original Constitution of the United
States of America in 1801 on the American people. And,
in truth, that sacred constitutional RIGHT to bankruptcy
came to belong to YOU, the American debtor, directly from
Article 1, Section 8, Clause 4, of the United States
Constitution, which authorizes the U.S. Congress to enact
"uniform Laws on the subject of Bankruptcies throughout the
United States."
But here's the central point
The point is this. That, if you ever have to file for bankruptcy protection to secure your American constitutional RIGHT to bankruptcy, you are, actually,
merely exercising a constitutionally conferred right mandated by this document crafted merely by the wisdom of some of the most decent and the
wisest of men who ever lived - the founders of this country. And NOT by the favor or the goodwill or whim of any benevolent person or power
that is merely extended to you out of some "generosity."!!
Here's What we're Out to Do for Debtors like You
Hence, this website – and all of its personnel or every one associated with or substantively working with or for it - are totally dedicated to:
- making this most original and most fundamental of all constitutional rights of Americans, absolutely REAL AND PRACTICABLE in the real
lives Americans and the American debtors in one basic way – making it financially FEASIBLE and AFFORDABLE for YOU to actually file
for bankruptcy.
- making certain that YOU are NOT, in fact, effectively prevented from and shut out of exercising that YOUR fundamental CONSTITUTIONAL
RIGHT through requiring you to cough up and pay excessive, burdensome legal costs and filing fees that you cannot really afford to pay in
order to, or before you may, file for bankruptcy.
Drowning in debt? We're for Making bankruptcy affordable for debtors once again.
BANKRUPTCY WARNING SIGNS!
Are you having trouble, perhaps increasingly so, paying your bills? Getting dunning mail notices, or nerve-wrecking night phone calls from bill
collectors and creditors? Are you at the point where you're literally jumpy and getting stressed out and have become physically sick, out of your debt
burden? Are you, in short, facing the financial crisis of your life, one that now seems overwhelming?
If you are, or someone you know is, in dire financial hot waters or virtual hell, certainly one possible remedy you might have probably prayerfully
thought of, is something spelled: B-A-N-K-R-U-P-T-C-Y!
Afford-Bankruptcy.com, Where Making Bankruptcy ACTUALLY Affordable By the Debtor, is NOT Just a Mere slogan or Lip Service, But a REALITY.
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- Now swimming in deep, deep, debt that is now unbearable for you in a tough economy?
In need of CHEAP COST for bankruptcy, or LOW-COST bankruptcy?
- Now at the point where you’ve decided that enough is enough, and that filing for bankruptcy is the ONLY realistic,
last resort way out for you right now to get out of debt -- but you can't file, because you just DON’T HAVE
THE MONEY to pay the bankruptcy attorney's fees for it?
- NOT able to FILE FOR BANKRUPTCY to get the financial FRESH START and DEBT RELIEF you need because
you just can't AFFORD the lawyers' legal fees?
Why are you still in such a sorry situation, when you can very well get your bankruptcy done and finished with - but very much
AFFORDABLY? When you can simply use one of the available low-cost ALTERNATIVES that we offer? Alternatives which have been
PROVEN thousands and thousands of times over to get the SAME bankruptcy done for you - but at a readily AFFORDABLE cost
for you?
It should really be a simple 'NO-BRAINER' for you, shouldn't it? That is, the simplest decision you ever make in your whole life!
- Our bankruptcy service is SAFE & DEPENDABLE - we come through for our clients virtually ALWAYS; you can't ever find any record
anywhere with anybody that we ever cheated any debtor or client out of anything, or ever failed a debtor in performing for him or her,
EVEN ONE TIME
- it's perfectly LEGAL and approved by law, we are a federal Debt Relief Agency under the U.S. Bankruptcy Code that authorizes us,
upon your choice, to provide you our bankruptcy petition preparation services. (Click here to see for yourself the federal law, pick
Chapter 5 there, Subsection II, and go to Section 527(b): http://uscode.law.cornell.
edu/uscode/html/uscode11/usc_sec_11_00000527----000-.html
- It's a proven system that we have - proven to work with us - over 9,300+ successful bankruptcy assist cases to happy ex-debtors
over a period of 13 years
- It's low, low-cost, it's AFFORDABLE - just about any debtor whosoever (no matter who!) who's serious about wanting to file
bankruptcy, can afford at least ONE, maybe even the THREE low-cost options we offer.
- It's backed by the Afford-Bankruptcy.Com Advantage (Click HERE) - proven experience, quality work and performance
- It's backed by our 100% PERFORMANCE-BASED GUARANTEE - we've got to perform what we say for you, or we refund you every
penny you paid us (Click HERE for our Guarantee).
Given these UNDISPUTED FACTS (you too can verify them yourself!), what's holding you now
from filing bankruptcy even TODAY? What's still holding you from using the 'AFFORD-BANKRUPTCY.COM ADVANTAGE'
to file even TODAY? What LEGITIMATE excuse can you have now?
Bankruptcy is (should be) fast, hassle-free, and AFFORDABLE! It's a CONSTITUTIONAL RIGHT! That is, low-
cost bankruptcy filing! Low-cost bankruptcy filing that YOU can afford!
Why? Why are you still dying in debt, when you Can AFFORDABLY
say goodbye TODAY to it? When you can say....
- OPTION 2 - Using our Online Computer Software Method or Quasi do-it-yourself Bankruptcy Method. Here, we provide you
our state-of-the-art computer software and you enter your required financial and have the computer "crank out" your
bankruptcy papers ready and good for bankruptcy court filing.
- OPTION 3 - Full Service Bankruptcy Service. Here, you have the whole work done completely for you (the debtor) by our
staff of experienced, bankruptcy specialists. And you'd thereby be ABSOLUTELY certain that your bankruptcy documents
are done unquestionably RIGHT.
Want the detailed, more complete description of EACH of the above OPTIONS and the service involved for each, as well as the costs, and how
you can avail yourself of the service to get your bankruptcy relief from your debts? CLICK HERE
- Attorney 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 do it
for such debtors, 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. [CLICK HERE to compare the
costs, services provided, differences and details, of our services and the bankruptcy lawyers'].
"The Bankruptcy Act relieves
the honest debtor from the
weight of oppressive
indebtedness and permits him
[or her] to start afresh from
obligations and
responsibilities. It holds out a
promise to a debtor of a new
opportunity in life and a clear
field for future effort,
unhampered by the pressure
and discouragement of
fore-existing debt." -- The
U.S. Supreme Court
Opinon, 1973
Bankruptcy is Your original
CONSTITUTIONAL right! So, are
you going to let anybody or anything - even the
lawyers' high legal fees - to deprive you of that?
NO! Then, COME GET IT!
It is THE LAW.....
" In all courts in the United
States [includes, of course, the
Bankruptcy Courts], the parties
may plead and conduct their
own cases personally, or by
counsel." - Title 28 of
U.S. Code 1654.
TESTIMONIALS.....
“Your website was the thing that
primarily did it for me. I
registered with you and it sure
paid off, turned out right. Your
site was just a joy to read and go
through, good English, good
writing, good information, etc.
There’s something quite
different about your site
compared to most others like
that, that just shows you guys
are really an “educated” bunch,
and that you actually know what
you’re talking about. That shows
you actually know bankruptcy,
and the law and all that, and you
are not just a bunch of copy cats
out there stealing, copying and
repeating stuff from other
websites (from the good sites
like yours). (Checked the
information on your site with
other sources, by the way, and it
all checked out alright. …. Thank
you for the excellent job.” -
Zebada G., New York
---------------------------
“ Wah, as I read this on your
website, I feel just about the
same experience too with
Zebada. She’s right. There's just
something really different about
your web site. Most other sites
on the web talking about
bankruptcy for debtors seem to
have just copied the same thing
from the same sources, or from
each other. Bankruptcy
Document Preparers,
Paralegals, bankruptcy attorneys,
or what ever. (The attorneys
seem to be even the worst
among them all). With your site,
though, it’s different. ….You
know what? It’s now clear. It’s
still very hard to fake the real
thing. Try as hard as you can, it
still will show.” – Chris A.,
Houston, TX
Any real reason why you can't simply put in for one of these PRACTICAL, REALISTIC OPTIONS that are AVAILABLE AND BE ABLE TO FILE FOR YOUR BANKRUPTCY - AFFORDABLY? Why not simply take advantage of THE AFFORD-BANKRUPTCY.COM ADVANTAGE!
CLICK HERE and MAKE FILING FOR BANKRUPTCY Simple, ACCESSIBLE AND AFFORDABLE FOR YOURSELF TODAY, GUARANTEED.
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The Bankruptcy Services We Offer
Under our program as a federal Debt Relief Agency, we provide low-cost
assistance to consumers. We provide EVERY type of 'pro se' (i.e.,
non-attorney controlled) bankruptcy service that there is - that is, every
type, EXCEPT lawyer-controlled Service.
We're the ONLY bankruptcy service provider in this Industry that offers
such a wide, varied assortment of bankruptcy services.
And EACH OPTION IS CHEAP, LOW-COST
& AFFORDABLE.
Why do we choose to have so may varieties?
Because, this way, with such a wide variety of options made available,
and with such low-cost options, just about every serious, hard-pressed
debtor or bankruptcy-seeker who really wants to file bankruptcy, can now
find at least ONE option he/she can definitely AFFORD to file with!
Here are the THREE types of options that we offer, in either Chapter 7 or Chapter 13 type of bankruptcy:
- OPTION 1 - Pure Do-it-yourself Method, where we provide you so aid and guidance but you basically do the bankruptcy
papers YOURSELF .

Promoting & Providing Cheap Bankruptcy Aid Services, since 1996. Over 9,300+ Successful Bankruptcy assists to Happy debtors since 1996
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But sorry, you're Just About
On your Own When it Comes to this
One!
But, guess what? All these horror circumstances
notwithstanding, the worse element is that if you
were to be facing this kind of dire situation today,
and you’re contemplating using one of the few real
remaining legal options, the bankruptcy system,
to obtain relief, you will quickly discover one
shocking thing: namely, that you are all on your
own, and that there is really no one out there to
help you! That there is not much of a real help
out there for you. Not from the banks or financial
institutions you owe the money, not from the
government, and yes, not, especially, from the
bankruptcy lawyers!
If anything, America’s bankruptcy lawyers have
seized upon the passage of the so-called BAPCPA
("Bankruptcy Abuse Prevention and Consumer
Prevention Act ") “reform” law of 2005, as an
excuse – and something of a God sent
opportunity – to jack up and charge exorbitant fees
in bankruptcy, and to make filing for bankruptcy
something of a “luxury” for the average debtor in
America today, practically unaffordable and out of
their reach.
BANKRUPTCY LAWYERS THEMSELVES AGREE: THEIR
LEGAL FEES ARE TOO MUCH!
In deed, a good number of lawyers, themselves, who are
objective about it, now openly acknowledge this.
“You have to pay the Chapter 7 legal fees upfront in cash. You can be too poor to go bankrupt,” Professor Robert M. Lawless of the University of
Illinois College of Law, observed.
Stephen Elias, California bankruptcy attorney and prominent author: “[Many more debtors who should have been filing for bankruptcy have been
holding back] primarily because attorney fees roughly doubled as a result of the 2005 changes, now in the neighborhood of $1,500 to $2,000 for the
most basic Chapter 7 bankruptcies. In a word, bankruptcy attorneys have become unaffordable.”
Actually, their average fees for doing the simplest of the most simple form of personal bankruptcy that there is, the simplest Chapter 7 bankruptcy, is
now about $2,500 - a figure that has skyrocketed to this astronomical level only since the 2005 law was put into place with the support of the
bankruptcy bar and the credit industry and others (up from around $1,200 before the 2005 law). For Chapter 13 bankruptcy, the lawyers' legal fee for
filing that is now about $4,500 .
“It may sound like a Catch-22: you have no money so you're filing for bankruptcy, but you need money so you can file for bankruptcy,” observed a
seemingly puzzled Jenny C. McCune, a contributing editor at Bankrate.com. You have to be “Financing a Bankruptcy Filing” these days, she said!
SO, WHY ARE YOU STILL STUCK IN DEBT WHEN YOU CAN NOW GET A
BANKRUPTCY THAT'S ABSOLUTELY LOW-COST & AFFORDABLE?
Alright, say you are at that point in your life where you have reached such a dire financial situation that you need no more to be told, but you yourself
KNOW that bankruptcy is your only realistic option? The reality is that you probably don’t have some extra $1,500 to $2,500 to pay a lawyer for
legal fees to file for bankruptcy. Or, do you? (Which, by the way, you should know is not even the whole cost for you. You’ve still got another
amount, $500 or so, that you will have to pay in court fees and costs and credit counseling fees. Then, another couple of hundreds of dollars or
more of additional attorney fees, if your case turns out to be, in the lawyer's sole opinion, ABOVE a “routine” case).
If declaring bankruptcy is where you are at right now, then shouldn't you should thank goodness, at least, that there are in fact some real
alternatives and a few options which will get the job done for you just as effectively and competently – but yet are something which you can amply
AFFORD? Something that is still well within the size of your budget, in spite of your current cash situation?
Talk about having something to cheer about in the area of your finances in a long while now, eh? – not having to sweat about how to cough up
another tough, extra $2,000 + differential right now to get relieved off your choking debt burden! You would be able to have had, in YOUR very hand
within just a few days, exactly the same set of legal documents, with exactly the same attorney-quality format and content, professionally done and
completed for you (depending on the plan you took out with us) by our experienced staff of proven bankruptcy specialists and fully ready for court
filing - but you'd get it for only a fraction of the price it would have cost you getting basically the same thing from an attorney.
USE THE AFFORD-BANKRUPTCY.COM ADVANTAGE TODAY TO FILE
Take advantage of the AFFORD-BANKRUPTCY.COM Advantage. File for your bankruptcy AFFORDABLY at low-low cost that virtually any debtor can
amply afford. Find one out of the three options we offer, each low cost.

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agreement which you’ve duly entered into in this TERMS OF USE.
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The material and contents on this Page, and on ALL the other like pages in this website, are a somewhat detailed LIBRARY of credit and
bankruptcy laws and information (any every other law-related informational material in this whole website), and are 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 read our Full TERMS & CONDITION OF USE of this Website
See Full TERMS & CONDITIONS OF USE OF THIS WEBSITE.
UNABLE TO FILE? Can't AFFORD the LEGAL FEES? A whopping over 1,064,000 American debtors filed for bankruptcy in 2008. But, worse, according to experts, THERE'S NEARLY THAT MANY AMERICANS more who wanted to file but did not -- because they simply couldn't AFFORD the lawyers' legal fees.
Are you one of those?
Check out Afford-Bankruptcy.com Advantage!
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UNABLE TO FILE? BECAUSE YOU LACK THE LAWYERS' FEE? A whopping 1,064,000 American debtors filed for bankruptcy in 2008. But, worse, according to experts, THERE'S NEARLY THAT MANY AMERICANS more who wanted to file but could not -- because they simply couldn't AFFORD the lawyers' legal fees. These are debtors who Justin Harelik, a bankruptcy lawyer with Price Law in Los Angeles, call the "unofficially bankrupt" debtors - debtors who are all but bankrupt but only lack the lawyers' price to make their status official!
Are you one of those?
Check out Afford-Bankruptcy.com Advantage!
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We are a federal DEBT RELIEF AGENCY under the U.S. Bankruptcy Code, NOT a Law Firm or Lawyers. So, we provide low-cost bankruptcy debt relief services to American consumers - but at AFFORDABLE price to the customer.
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Then, the QUESTION is: Why?
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So, the QUESTION comes back again:
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UNABLE TO AFFORD THE LAWYER'S BANKRUPTCY FEE, EH!
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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 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 areas. Go to HERE.
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Here, you can ALWAYS Afford-Bankruptcy yet get the highest quality work! Chapter 7 bankruptcy - $239 (and not a dime more). Chapter 13 bankruptcy - $359 (and not a dime more).
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/BANKRUPTCY
STOP...
Excessive, High
Bankruptcy Legal Fees
Afford-Bankruptcy.Com, we've
made it so that just about
anyone who really needs
Bankruptcy can now AFFORD it!
FIGHT BACK!
BUT A WORD ABOUT PRICES.... Here, we're talking about QUALITY for the price!
BEWARE OF THE QUALITY OF SCAM DOCUMENT PREPARERS WHO CLAIM THEY'LL DO THE WORK FOR LESS! Go here for more on this. Click HERE
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YOUR BEST PROTECTION - How we, at the Afford-Bankruptcy.com, are Regulated by the Courts
& the Government to Protect YOU
As you well might have known by now (see this page on this site for more on that), we are a Federal DEBT RELIEF AGENCY or Bankruptcy
Petition Preparers (BPP) which is authorized under the Federal Bankruptcy Code or Law to do what we do for debtors needing affordable debt
relief aid to file bankruptcy.
Debtors and customers who eventually hire us to do their bankruptcy paperwork for them (using the so-called FULL SERVICE option), are often
concerned, usually before they settle on us as the Company to hire - and rightly so, too - about how they can assure that they're hiring the right
or reliable debt relief company, and how they can be sure that they are protected from mistakenly hiring some unreliable, scam operations who
may not do the work they promise, and may therefore cause them to wind up being cheated out of the hard-earned fees they paid such a
company! And who can blame them for feeling that way, with the stories you hear so often these days about many fly-by-night, scam
operations on the Internet!
And hence, consumers often wonder how best to do it (to protect themselves). It is, maybe, by checking with the Better Business Bureau? With
the State Attorney General? The local Chambers of Commence, or what have you?
Well, you are welcome to try any and all of that, as anything could help. (If you were to check out our name with, say, the BBB, for example, you'll
most likely find NOTHING negative on record on us, since we've had an absolutely CLEAN record; and that's not a small thing at all to know
about a company, of course!). But, actually, as far as this business of debt relief assistance in particular is concerned, we at Afford-Bankruptcy.
Com have found that there is really just ONE simple method that's almost fool-proof, that's created BY LAW, which turns out to be the
very best protection that a debtor could possibly have against a cheating, no-good, unscrupulous Debt Relief Agency or BPP. And what
is? It is simply the strict, and elaborate set of rules and regulations that the U.S. Bankruptcy Code itself has on the books that strictly regulate
the way those companies do business and almost guarantees against such companies cheating innocent debtors and getting away with it.
Summed up very simply, under the current 2005 bankruptcy law, a Debt Relief Agency or BPP (like the www.Afford-Banruptcy.Com, for
example, among some others), may:
- not fail to perform any service the agency or its personnel informed you (they're required to sign a written contract with you) that it would
perform in connection with your bankruptcy case or paperwork;
- still be liable to you for any fees or costs you pay them if the agency negligently or intentionally fails to do its contracted job for you, or to
comply with any of the many restrictions, which are stringent and many, that are imposed on the debt relief agencies, and
- have the Courts and the judges, themselves,usually enforce on the bankruptcy agency, on your (the debtor's) behalf, those restrictions,
or have them recover the fees, impose fines or penalties on the agency, etc., as may be necessary in a given case.
What better, stronger, and easier PROTECTIONS can you possibly have, as a debtor, eh - against a scammy, cheating or no-good debt
relief agency!
That's why, here at AFFORD-BANKRUPTCY.COM, WE'VE ALWAYS GOT NOTHING - ABSOLUTELY NOTHING - TO WORRY ABOUT! We simply
took a POLICY DECISION, right from the very beginning, that the best - and most 'profitable' - way to do business, is simply to give our
clients the most HONEST and most RELIABLE service that we can give them! And this way, EVERYBODY is happy, and no one gets into any
trouble with anyone. Hence, we've ALWAYS made out with our thousands of customers and clients just fine! ALWAYS!
See details of the federal bankruptcy law and the extensive restrictions it imposes on the debt relief agencies HERE.
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THE PROTECTION THAT JUST ABOUT GUARANTEES THAT WE WON'T, WE CAN'T, CHEAT OR SCAM YOU! Read on.....
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Your Best Protection in the World - Against SCAM!
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The Profile of Modern-day Bankruptcy Filers
Studies show that MOST bankruptcy filers are HONEST, regular "Average Joe" type
Here, below, for just your information, is the profile of the typical bankruptcy filer in America these days, as reported by a recent study: Does this tell
you something, maybe? Do you, perhaps, fit this profile? Or know someone close or dear to you who does?
- Average age, 38
- 30% are women filing alone
- 26% are men filing alone
- 50% have experienced health problems
- 2 out of 3 have lost their jobs
- There were 1.5 million of them (debtors) who filed for
bankruptcy in 2002
- 44% are couples
- Slightly better educated than the general family
- Only fewer than 9% have not suffered a job loss, medical
event or a divorce
- Typical family filing for bankruptcy in 1997 had more than
1 and a half times its annual income in short-term,
high-interest debt. A family earning $24,000 had an
average of $36,000 in credit cards and similar debts
Source: Fragile Middle Class: Americans in Debt, by Elizabeth Warren, Harvard Law School (Smith Business Solutions).