How It works
Steps To a Successful Bankruptcy
This is the timeline for the chapter 7 bankruptcy process:
Bankruptcy Timeline
The bankruptcy timeline is as shown in the diagram
above as follows:
Documents prepared
Mandatory counseling class
Documents are filed with the court
Court sends out notices to all ors
The trustee meeting is held
The s are discharges
Step 1 - Preparation of
Documents
The process begins with registering. The
information you provide us during registration is very secure. First our registration
page is SSL encrypted
for maximum security. Secondly, we do not store or handle your card
information. It is passed on electronically to your bank for authorization, so
it does not come into human contact and nothing gets stored on our system. This
means that your card cannot be charged without your consent and there is no
risk of your payment information falling into the wrong hands.
"You deliver what you promise. My papers were accepted by the court.
My Trustees Meeting was today. It lasted about 10
minutes. No ors were there. Trustee asked if you gave legal
advice. I said no. He also commented on how nicely done the papers were and
asked for the name of your website! Thank you for providing a good product."
- Stu J., Fort Wayne, IN
After you register, you log in to our customer-only site where you will provide us the information needed to prepare your bankruptcy.
From our customer-only site, you have immediate access to our network of
referral s, some of whom will talk to you for free and others for a small fee.
Registering also gives you immediate access to all of The Labyrinth, our storehouse of the most
powerful bankruptcy secrets known only to a small handful of top bankruptcy
s. The Labyrinth contains not only these little-know secrets, but also,
answers to every possible question you could every have about bankruptcy.
It contains such secrets as, how to keep everything you own, even
more than the exemptions allow; how to file by yourself while shielding your
spouse from the ors; how to keep your bankruptcy from showing up on your
report in the first place; how to use bankruptcy to erase all your bad
including the bankruptcy in just months, not years and a lot more.
"Awesome!"
"We did as you said and 4 months into it...
Our bad began to fall off one after the other.
By the one year mark the bk itself came off our .
The day we found out was a day we will never forget. {...} We had gone from pure darkness to a whole new place we never imagined. Everything was always a hopeless struggle for us and now it wasn't. There is hardly a week that goes by that I do not look back at it with utter amazement and thanks. {...} Again, thanks!!!"
It should be noted that The Labyrinth is not an instructions manual for
filing bankruptcy and you do not need it in order to work with us. The Labyrinth is just an
added treasure for those who want to make the filing of bankruptcy an empowering
thing, instead of a mere act of resignation. We pride ourselves on being able to
prepare your bankruptcy without your every having to read anything or having to know
bankruptcy law. This is the key to making the process as smooth as silk. The
less you have to study the easier it is.
"We have told him how easy it is when one
uses your site" - Gabrielle Q
After logging in, you enter your bankruptcy information in our online
questionnaire at your own pace. Your entered information is saved so that you
can log off, even close your browser and log back in later to continue where
your left off. This means that you do not have to wait till you have all your
bills to get started. For most people, it takes only an hour or so to complete
the questionnaire. If you do not have all your information, you can start now
with what you have and then come back repeatedly to enter more information as
you get it. If you are filing with a spouse who lives somewhere else, you can
both log
on into the same account, from different locations anywhere in the United
States.
You can file by yourself or jointly with your spouse, without being charged
anything more. If you are not sure whether or not to file with your spouse, you
can sign up by yourself, and after reading what we have to say in The Labyrinth
about shielding your spouse from the effects of your bankruptcy, you can decide
to add him or her later.
You can enter as many ors as you like without worrying about being
charged an extra fee. You can also make as many changes to the information that
you have already entered. Just log on and change any information that you
want to modify. Even after your bankruptcy has been filed and even after your
s have been discharged, the court allows you to amend it to add any
ors that you forgot.
"I didn't have a question, I just want to thank you for all your work with my
bankruptcy papers. I filed with the court today and was complimented on how
perfect everything was. The clerk told me that they
rarely see documents completed so perfectly, as mine were, without
them having been done by an . So I just wanted to take a moment to thank
you for all that you have done to help me with my documents. I will recommend
you to anyone needing this type of help. Thank you again. Sincerely, Jim C." -
Jim C., New Orleans, LA
This process of entering your information is so easy that it is foolproof.
The questionnaire is so easy to use that we do not have any instructions manual
or help files. We
do not ask any legal questions and there is never a need to calculate any
numbers or to remember any dates or facts and figures. We never ask you any questions
that will stump you or for which you will need to get up from your chair to go
find. We just ask for ordinary commonsense information that you would already
know, such as your name and address and estimates of your income and expenses
and the like.
"I just wanted to say thank you! I cannot BELIEVE how easy this was! I even got the waiver of the filing fee and did it all by mail! My or meeting is May 22! LIGHTENING FAST! I have recommended you to a couple of friends! THANK YOU!!! PC of Virginia - P.C., Harrisonburg, VA"
You never have to enter the same information more than once. This is because
you enter your information in a simplified and highly targeted questionnaire,
not in the actual bankruptcy forms as almost all s do. This means that
you do not have to worry about the schedules or to know which information goes
on which schedule. You enter your information in one simple interface
and we handle making sure it all goes to the proper schedules and statements.
When it comes to listing your ors, we only need to know which ones you
want to list. We do not need to know exactly how much you owe each of them since
the court only needs an approximation. So there is never a need to wait for the
latest bill or to spend days looking for where you stored an old collection
letter. For
example if you think you own ABC Collection company about $1,250, entering
$2,000 or even $3,000 will not make a difference to the outcome. The amounts are
used mostly for statistical purposes such as reporting how much is
discharge annually in the country. If you do not remember who the ors are,
we can help you with getting a free report.
"Awesome..."
By the way, I thought I would tell you that my
documents that were prepared by you were awesome and the trustee was very
impressed." - Trevor D, Louisville, KY
You do not have to first take a means test elsewhere because everything
called for by the means test is built into the questionnaire. When you put us to
work for you, we guarantee the filing, the means test, the discharge and all.
Everything! So you can rest easy knowing you are being taken care of completely.
Keeping true to our goal of making the process as smooth as possible, you
never need to leave the site to go hunt down exemption laws or to do any legal
research. You do not even need to understand how exemptions work. Our
questionnaire is designed to put every bit of information just a click away and
to make the whole experience extremely easy.
"I just wanted to thank you for your help yesterday. Your messages have been
very helpful and I will take your advice and file right away. Thanks again!!
You have been exceptionally patient and helpful!"
- Ronaldo Q., Denver, CO
"I just wanted to say thank you! I cannot BELIEVE
how easy this was! I even got the waiver of the filing fee and did it
all by mail! My or meeting is May 22! LIGHTENING FAST! I have recommended
you to a couple of friends! THANK YOU!!! PC of Virginia" - P.C., Harrisonburg,
VA
We are always available to answer your questions as often as you like. You
are never alone. If you need to talk to an , you can use our
ask-an- feature to contact an who can answer your questions for
a modest fee and sometimes, even for free. These s figure that if they
establish a relationship with you, by answering your questions for as little as
$20 or $30 or even for free, you will return to them in the future for other
services.
THANK YOU!!! I filed bankruptcy papers less than a week ago, received the date for the ors hearing already. must admit I was scared, but so much stress has been lifted from me now..no more s threatning[sic] me anymore!! have a few friends who will use your company now, wanted to wait until they saw how I made out... Again..thanks so much for your help!! BA
- Belladonna, Gulfport, MS
If you have decided to use an optional technique from The Labyrinth, you
simply adjust the information you entered in our questionnaire to reflect what
you decided, and we incorporate it into the preparation of the documents. For
most of the secrets in The Labyrinth, you do not have do anything else outside
of our questionnaire. Just reflect your choices in the questionnaire and it is
done.
After entering your information, we prepare all your bankruptcy documents,
everything you need to file and get your discharge. We include in every case,
the fee waiver paperwork, so that you can request that the court waive their
filing fee. We get it all done in a few hours, and always in less than a day.
When they are done, we give you a link from which you can download the finished
documents. You print and sign them and then file them with the court.
"I even got the waiver of the filing fee
and did it all by mail!" - P.C., Harrisonburg, VA
The Other Steps
Mandatory Counseling and Budget Classes
There is a mandatory counseling class that all ors must take
during the bankruptcy process. It is a 90 minute informational class that
can be taken by phone or online and should be taken before filing the
documents with the court. We provide a list of all the court approved
class providers. Class providers charge a modest fee and they are required
by law to offer it to you for free if you cannot afford it. We recommend that
you take the class after we have prepared the documents but before you file
them with the court. The court also requires a personal financial management
class (that is, a budgeting class,) after filing bankruptcy. This class is offered
by phone or online and can be taken from the same provider for the counseling
class.
File documents with the court
Filing the documents is easy. You simply hand them to the court clerk
with the court filing fee. We include a fee waiver in every case so that the
court may waive their court fee. You can file by mail if you like. The
'automatic stay" kicks in the moment you file, which means that you can break
out the Champaign because you are for all practical purposes, FREE. After
filing you just wait for the trustee meeting. While you wait for the trustee
meeting, you can take the budgeting class as mentioned above.
"i just wanted to email you and give some thanks for making the filing
for bankruptcy much, much easier for me. i sent my completed forms in last
week, and heard back today that my 341 meeting is set for 6 weeks from now,
and that my fee has been waived, which was a great
relief to me. i now can start looking forward to less worries
about , and start working on the process of getting my finances back on
track.
thanks again!" - Tom A, Oktibbeha, MS
Court clerk sends out notices to all ors
After you have filed, the court handles everything from here on to the end
of the bankruptcy. You do not contact the ors. The court sends out an
official notice to all the ors warning them to stop all actions
against you. They cannot call you or send you collection letters and any
legal actions they have already started must stop, and this includes
evictions, lawsuits and garnishments.
To reiterate the process thus far: (1) We prepare the documents, (2) You
file them, (3) The court takes it from there while you wait and watch.
The Court clerk sets a date for the trustee meeting
After filing, the court will send you a letter informing you of the time
and place for the trustee meeting, also known as or meeting or 341(a)
hearing.
"It was a breeze..."
"Completed BK7- I wanted to send an email to you to say thank you so much for your services! I completed my BK with you sometime back and it was a breeze. Everything you say on your site is true. I had not[sic] problems at all. Every step was spelled out so it took away the nervousness I had about filing. I just had to say thank you! - Reginald B., Cheyenne, WY
Attend the trustee meeting
The trustee meeting is the easiest part because of how well we prepare
your bankruptcy documents. You show up for the meeting along with dozens if
not hundreds of other or. It is mostly like a roll call. When your name
is called, the trustee will ask you a couple of questions such as if you
understand what you are doing and if you want to go through with the
process. You answer yes, and you are done. That is it. The duration of the
meeting is measured in seconds and usually does not go past 2 to 3 minutes.
ors very rarely show up and when they do, they do not participate in
the process. (It is a misnomer to call it a or's meeting since the
term ors meeting applies more accurately to complex chapter 11
corporate bankruptcies and not to consumer bankruptcies.) Your biggest
surprise will be how quickly it is over. You do not have to do anything
else.
"I have had my meeting of the ors, everything seems to be going smoothly. We did not have to amend any of our forms!! Suprisingly[sic] almost all of the people with s did! Now I am looking for the information for the {...} help us get the bankruptcy removed sooner. Can you help? - Wyatt R., Tampa, FL
Court issues you a discharge notice
The discharge is a virtual certainty but you will have to wait a few
weeks for the court to mail it to you. Waiting for the court to mail you the
discharge notice does not hinder you from enjoying your new found freedom.
You freedom starts the day you filed our bankruptcy documents.
Your case is closed
At some point after the discharge, the court will close your case.
How We Make it So Easy
For all practical purposes, the moment you file your bankruptcy, you are done
and your discharge is certain, that is, if you use our services. As you can see
from the above timeline, once you file, the court takes it from there while you
mostly wait. Everything rides on the documents and it does not matter whether you
use an , you type it yourself or you use our services.
Whether or not you use an
Sloppy Bankruptcy Documents =
Major Headaches
Great Bankruptcy Documents =
Smooth Bankruptcy
Just because an charges thousands of dollars does not speak to their
experience. In fact the higher their fees are the fewer their clients and
the less their experience base. Most s understand the practical
aspects of bankruptcy no more than the average or. After filing your
bankruptcy, you will have more bankruptcy experience than the average
. So if you are going to use an , use one who files dozens
every week, not just a few each year.
"I have had my meeting of the ors, everything seems to be going smoothly.
We did not have to amend any of our forms!!
Suprisingly[sic] almost all of the people with s did! Now I
am looking for the information for the {..} help us get the bankruptcy
removed sooner. Can you help? {Our Answer: That is easy. The we use
charges a few dollars and it works just about in every single case. It is
incredible.]. Log back in to the site and click on the link...}" - Wyatt R.,
Tampa, FL
We have prepared more bankruptcies than just about anyone else nationwide and
that includes bankruptcy s. We have done it for so long that it has
become second nature. We have
been there to witness every bankruptcy law change in the last couple of
decades, and so we are always in tune with what is going on with the courts
and trustees. And this goes back to before black and white laser
printers hit the market, when it was either done by typewriter or by dot-matrix line
printers.
More than twenty years later, we now produce virtually perfect bankruptcies
filings, not to mention the many powerful bankruptcy secrets in The
Labyrinth that we put at
your disposal. Here is what it comes down to. If you cannot afford a well
experienced bankruptcy , then we are your best choice for virtually
flawless bankruptcy filings.
It begins with our questionnaire which is the easiest in the industry. It has
evolved over many years, incorporating client suggestions until it has
become as simple
as it can get.
Most s and bankruptcy preparers will give you the equivalent of the
federal bankruptcy forms, full of legal jargon and call them their
questionnaire. They will often give you a stack of these forms and ask you
to take it home and come back in a couple of weeks with it filled out.
Because the official bankruptcy forms are a one-size-fits-all, howbeit in
electronic or paper form, they have to contain all the legal jargon for
every type of bankruptcy, including large corporate chapter 11 bankruptcies.
And that is what stumps ors and inexperienced s alike. If you
can readily fill out their questionnaire, you can type your own bankruptcy
forms yourself.
Our intake questionnaire is designed intuitively, exactly the way you
think. There are no legal questions; you do not have to first read some help
files or a bunch of bankruptcy laws or exemption laws. We take your simple
answers and convert them to all the legal mumbo-jumbo that the bankruptcy
documents calls for.
But just because it is simple does not mean that is anything but
complete. It is so complete and accurate that court clerks everywhere
compliment our clients when they file our documents.
"How Perfect"
"I filed with the court today and was complimented on how perfect everything was. The clerk told me that they rarely see documents completed so perfectly, as mine were, without them having been done by an ." - Jim C., New Orleans, LA
Filing bankruptcy can be easy or it can be difficult. Do not yield to the
temptation to settle for do-it-yourself bankruptcy software. You are about
to put an end to your financial nightmare. Do not make it the first day of a
new crisis preparing your bankruptcy documents, just to save a few dollars.
Do it right and be done with it. Let our team make your bankruptcy filing
truly easy.
Our iron-clad guarantee starts where others stop. do not guarantee
their work at all. How can they? They have no idea whether what you tell
them is true or not or whether the information you supply them for your
bankruptcy is correct or not. Besides, they do not fancy refunding the
$1,500 or more that they charge. Other non- bankruptcy professional do not
guarantee the discharge either. They may guarantee the documents but not the
discharge and this is because they have no control over the information you
supply. We guarantee you the discharge not only because we know that we are
good enough to get it in every case, but because we know you have a lot of
worries on your mind and we want your discharge not to be one more worry.
