BANKRUPTCY LEGAL FORMS SOFTWARE FOR PERSONAL CHAPTER 7 AND PERSONAL CHAPTER 13 FILINGS
It's easy for financial situations to get out of control. Sometimes it begins with the loss of a job, where income levels change dramatically. Or perhaps it's the death of the primary wage earner in the family, where the rest of the family can no longer meet the obligations that were taken on previously. Or maybe it's a significant change in the economy, or a consistent debt pattern that has finally spiraled out of control.
Whatever the reason for deep, ongoing financial issues, there often comes a time when enough is enough. Creditors call constantly, the debt load and related interest continues to increase, and there is no apparent way out of the situation. Thousands of people and families just like you experience this exact same type of financial difficulty each year. And while it is never an easy decision, sometimes the filing of a bankruptcy is the best decision.
If you decide to proceed with the filing of bankruptcy, then Standard Legal's Bankruptcy legal forms software package is the most effective do-it-yourself solution available for either an individual filing or a joint filing with your spouse.
A bankruptcy attorney can cost thousands of dollars. When money is already tight, coming up with the amount necessary to hire an attorney can often be nearly impossible. That's when you need a clear way to resolve the issue on your own. That's when you need the directions and overviews provided by a person experienced in bankruptcy who can teach you how to proceed through the filings and paperwork required. That's when you need the information provided by Standard Legal.
To be clear: the Bankruptcy process is by no means "quick and easy". Nor should it be; a person filing for Bankruptcy is asking a court to wipe away legitimate debt owed to others. But if your personal situation meets the requirements of the Bankruptcy Court, then the legal forms and instructions provided by Standard Legal are the best available to help you through the process on your own.
The instructions and overviews within the program have been written by a long-time bankruptcy attorney; this attorney has handled personally hundreds of bankruptcy proceedings. He has taken that experience and put it into providing not only instructions on completing the necessary documents, but into adding real insight into the process, to help you make the right decisions at every stage.
Standard Legal's Bankruptcy forms and instructions fully comply with all recent Schedule revisions.
The package includes the most up-to-date "Means Test" to determine the type of bankruptcy that can be filed, and all of the forms necessary for both Chapter 7 Bankruptcy and Chapter 13 Bankruptcy. (Both types of forms are provided because the Means Test determines the type of bankruptcy a person is eligible to file.)
In addition to step-by-step instructions for completing each and every one of the Bankruptcy forms, Standard Legal also provides four introductory overview documents covering the most pertinent Bankruptcy subjects you need to know:
- Changes in Bankruptcy Law
- Introduction to Bankruptcy
- The Bankruptcy Process
- Frequently Asked Questions
Further, Standard Legal's Bankruptcy legal forms software package includes:
- A 'check list' with detailed information concerning which documents are required to be filed (for either individual or joint bankruptcy) and the costs associated with filing your case;
- Information relevant and specific to each District Bankruptcy Court within the United States;
- Bankruptcy forms that provide automatic 'like field' form pre-population from a single data entry, and automatic mathematical calculations for form field financial data;
- Information about completing the court-required Credit Counseling and Debtor Education Courses -- and access to a discount code that provides both courses online for just $59 (that's $30 off the normal price);
- Suggestions for presenting your completed documents to the court;
- Suggestions for appearing before the bankruptcy trustee;
- Access to any and all local Bankruptcy court forms (those required by your specific region's District Bankruptcy Court and even specific judges within a district);
- A list of important and helpful web site links that can assist in making your case run smoothly;
- Information concerning the new Bankruptcy Reform Act and how it has affected one's ability to file for bankruptcy;
Standard Legal's Bankruptcy legal forms software will help you get a difficult financial situation put to rest, so that you can begin to move forward with the rest of your life. Create your bankruptcy filing today, before the Court further tightens the eligibility rules!
IMPORTANT NOTE: persons who represent themselves in a Bankruptcy proceeding (also called "Pro Se filers") may not be given advice from any person, agent or entity because there is no attorney-client relationship in place. This stringent requirement was strengthened even further by the Court in the Bankruptcy Act of 2005. Therefore, we strongly suggest you read the required Bankruptcy Disclosure prior to the purchase and use of any bankruptcy software product.
AREN'T BANKRUPTCY FORMS AVAILABLE FOR FREE FROM THE COURT?
Basic PDFs of all U.S. Bankruptcy Court forms are available online for free. But the Bankruptcy Court's PDF forms have some significant limitations in how they work, as not all PDFs work in the same way.
The Bankruptcy forms from Standard Legal are fully-functioning calculation PDFs that are writable and savable.
The PDF forms provided by the Court are not.
The most critical function missing from the free Court forms is 'Save Filled' -- the ability to fill-in any of the form fields then save the PDF so that the answers remain saved as entered within the form. The ability to 'Save Filled' is critical for two reasons:
1) without 'Save Filled', the user is forced to finish then print a form all in one sitting, a difficult task for many of the Bankruptcy forms given the amount of information required; and
2) without 'Save Filled', the user must start a form again from scratch if there is an error, change or addition later.
For those two reasons alone, the 'Save Filled' forms available from Standard Legal are of great value.
But there are other important differences in how the free Court forms work vs. the forms from Standard Legal:
- Standard Legal's forms auto-complete any 'like fields'. The forms the Court provides do not always auto-complete the 'like fields' -- so if "Name" is an entry field three times on one form, you must fill in your name three times in three locations on the Court's version.
- Standard Legal's forms automatically handle the financial calculations directly within the form. The Court-provided forms often do not calculate the financial fields, meaning that the user must 'do the math' separately with a calculator then type in the result manually for each calculation field. That can take some time.
- Standard Legal provides detailed overviews and step-by-step instructions. The Court forms typically do not offer any substantive instructions whatsoever for completing each form, nor do they offer much in the way of Bankruptcy process overview information.
- Standard Legal provides fully-completed sample case forms. The Court websites do not provide any sample case forms for review. Completed samples can be of great help while working on your own forms.
So yes, all U.S. Bankruptcy Court forms are available as PDFs for free online. But how those free forms work, the functionality built into them, and the lack of detailed instructions from the Court means those PDF forms are nothing like the complete PDF Bankruptcy package offered by Standard Legal.
WHAT CUSTOMERS SAY: STANDARD LEGAL BANKRUPTCY
Just a note to let you know that I filed my Chapter 7 in Illinois using your software. It went without a hitch! Even the trustee was impressed by the software when I was asked if I had filed without an attorney. Everyone else had an attorney with them, but it was funny because the attorneys had never even met their clients before that day of the 341 meeting. Even though I didn't have an attorney, I felt more confident because I actually knew what was in my petition. Thanks alot!!
-- Mark Leisen, Illinois
I used your do-it-yourself Bankruptcy software and to be honest, I couldn't have completed my filing without it. I interviewed local lawyers but I never really felt comfortable with their answers to my specific situation. Plus, the going rate was from $2,500 to $7,500 for my particular case. Instead, I spent less than $100 for the whole process and I already have my debts discharged. I want to take this opportunity to congratulate Standard Legal for a great service; I take great pride recommending the services of your organization.
-- Edgar M., Jackson Hts NY
I got a very high praise from the Chapter 13 Trustee in my 341 creditors meeting about the amazing job I did on my Chapter 13 petition. Thank you for your software!
-- N. Jackson, Charlotte NC
Great forms and a very well put together bankruptcy software package! Very impressed by the simplicity and ease of use. Well, well worth the money spent on it!
-- J. Cozzolino, AZ
With Standard Legal's do-it-yourself Bankruptcy legal forms software for personal Chapter 7 and 13 filings, I was able to see the forest through the trees! The software has easy to follow instructions and customized court forms to enter in my personal data, which saved me days of modifying the court forms on my own. Standard Legal takes away anxiety and uncertainty and enables the user to move forward without paying for an attorney. I HIGHLY recommend using Standard Legal's Bankruptcy forms software if you decide to file without an attorney.
-- D. Ashley, Snohomish WA
I just wanted to let you know how successful I was in using your software!
I purchased the Bankruptcy title at a time of great stress. I had interviewed several lawyers who all were charging between $2,000 and $5,000 for a Chapter 13.
I wasn't sure I could do it on my own, but with the help of your software and the example cases that were included, I was able to file on my own.
The Clerk at the filing window was very impressed in the completeness of the documents.
But what thrilled me the most was the judge asking me, "Who helped you with this?" My reply was "I did it all myself!" The judge was very impressed, and our plan was approved the first time through.
Plus we saved a ton of money! I highly recommend Standard Legal.
-- Jeannie Burnett, Rocky River, Ohio
I want to express my thanks for the Bankruptcy software from Standard Legal. It is easy to follow and simple to understand. I am happy about the money I will be saving in not using an attorney. Thanks again!
-- Al Y., San Jose CA
WHY CHOOSE STANDARD LEGAL?
FULLY SECURE PERSONAL DATA: Our software is downloaded then completed offline, not run through an online webform that transmits your data across the internet to be stored in a database. So your answers stay completely private and secure, and your personal data never leaves your hard drive!
QUALIFIED ATTORNEY AUTHORS: All of the legal documents within each Standard Legal software title are carefully researched and written by highly-qualified, experienced, licensed attorneys.
UP-TO-DATE LEGAL CONTENT: Documents and instructions are revised any time a state or federal law, statute or administrative requirement changes. Our legal forms content is in constant review!
STEP-BY-STEP INSTRUCTIONS: Clear instructions are posted directly next to each question asked. No 'legal-eze' either! Standard Legal writes in a way that is "step-by-step" and easy to understand.
IMMEDIATE ACCESS: Use the software instantly after purchase! Get encrypted links to a download within seconds, both on-screen with your order invoice and again as a backup in an email confirmation.
EASILY DOWNLOADABLE FORMS: Standard Legal's documents can be downloaded in one .zip file, with additional state-specific documents available from the online forms server.
USE WITH ANY DEVICE: Windows, Mac, Apple, iPad, Android, Linux. Desktop PC, laptop, tablet, mobile device. Nearly any system can use the software from Standard Legal!
FREE TECHNICAL SUPPORT: Standard Legal helps its clients in any way we can. While we cannot provide legal advice, we will gladly assist you by email, phone or social media to access and use our software.
NO SHIPPING FEES: with downloadable software, shipping is FREE! Don't pay to ship printed packages of paper. Just download the files and print only the documents you need. (Unless you prefer the optional CD!)
FREE ATTORNEY REFERRAL: If you decide that handling a situation yourself might not be wise, access our attorney referral site and find a qualified attorney to help you with your case. No charge to post your case!
LEGAL & VALID IN ALL STATES: The documents from Standard Legal are valid in every USA state and territory. Primary documents cover federal law, with state-specific language or forms provided as required.
SAVE MONEY ON LEGAL FEES: Quickly and easily create the same kinds of legal documents as a local attorney. And save hundreds -- sometimes even thousands -- of dollars in the process!
100% MONEY BACK GUARANTEE: Standard Legal guarantees that all of the documents in our software will be accepted when completed as directed and submitted to the appropriate court, clerk, office or agency. Should any document not be accepted due to an issue with our content, we will correct that document for you at once or refund 100% of the purchase price -- or both! Complete details here.
SYSTEM REQUIREMENTS & SOFTWARE FILE SPECIFICATIONS:
Standard Legal's software works on nearly all systems, including Windows, Apple, Mac, Android and Linux. A link to a downloadable .zip file is presented immediately after transaction, which must be expanded to access all of the forms, overviews and instructions. Most computers have a program like WinZip pre-installed to access .zip files; if your computer does not have one, we recommend StuffIt Expander (it's FREE!).
The Bankruptcy title contains an exceptionally large number of forms, as there are 90+ District Bankruptcy Courts and two types of personal Bankruptcy Chapters. The initial Bankruptcy download contains only an Overview of the Bankruptcy Process and instructions to login to the online forms server to download the forms specific to your personal situation. An active web connection is required after the initial download to access all of the necessary Bankruptcy forms; read the START-HERE.txt file included in the initial download for specific instructions. The online forms server hosts the most up-to-date legal documents available and keeps the user from downloading forms that will never be used. Once the necessary forms are downloaded they are completed offline; you do not need to be online to complete any of the forms.
The Bankruptcy forms are provided as Adobe PDF files. Only a handful of District Court forms are also offered in Microsoft Word format. Using PDF forms requires the download and installation of either Adobe's Acrobat Reader (it's FREE!) or the full commercial version of Adobe Acrobat.
Access to the password-protected online legal forms server (sometimes called "the online version") requires an up-to-date web browser like Internet Explorer, Firefox or Chrome. Once you access the online forms server, read the instructions provided on the main menu and download only the specific legal forms, overviews and instructions you need. Once all of the files are downloaded, they may be completed offline using the programs listed above.
To use any type of software requires a basic understanding of how a computer device operates. To use Standard Legal software, you must be able to complete each of these basic computer tasks: download a software file; expand a .zip file; enter a username and password to access a protected website; navigate a menu; install and launch a program; and open, save then print a completed document. If you do not fully understand how to complete any of these common steps, we recommend you use our Document Preparation Service or find a local attorney to create documents for you.
WANT YOUR SOFTWARE ON A CD?
A software CD of your legal form titles can be mailed to you for an additional $9.95 by choosing that shipping option during checkout. Software CD Details.
ATTORNEYS, PARALEGALS AND DOCUMENT PREPARATION PROFESSIONALS:
This software is licensed exclusively for pro se users. To create custom legal documents on behalf of clients, review our Professional Version software