Can you file bankruptcy online
Filing for bankruptcy is a difficult decision to make and the bankruptcy process can be quite stressful. To help take some of this stress away there are free-bankruptcy sites that can help you determine what type of bankruptcy you qualify for. While most people qualify for Chapters 7 and 13 bankruptcy, it is important to file for the correct bankruptcy.
There are also other online conveniences when it comes to filing your bankruptcy online, such as software that can help you fill out the forms and the ability to file the bankruptcy paperwork online through PACER. However, it is important to show up in court to represent your case during the mandatory 341-creditors meeting. You will have to be present for this, regardless of how you filed your bankruptcy. This will be the time that you can meet with the judge to state your case.
If you choose to file your bankruptcy online you can download the forms from court’s website. It is important to fill these forms out completely and save a copy for yourself. When the forms have been completed you can register with PACER, Public Access to Court Electronic Records, to file your bankruptcy. There is a fee to registering for PACER.
When filing for bankruptcy it is important to follow these steps:
- Make a list of all the creditor you owe money to.
- Find out what type of bankruptcy you qualify for, this can be done online.
- Download the bankruptcy forms.
- Keep a copy of the forms after they have been filled out.
- Register for PACER to file your bankruptcy papers online.
- File your bankruptcy papers online
- Show up for the 341-creditors meeting.
It is advised to hire an attorney to help you through this process. You can contact the local bar association to help you find a pro bono lawyer to help you file this claim if you cannot afford an attorney.
Once you have filed for bankruptcy it is advised not to use your credit cards, because this will work against you during the final court hearing for this case.