3 Ways to File Bankruptcy CheapYou can file bankruptcy cheap if you file bankruptcy yourself, without a lawyer. You can save money if you file bankruptcy online. There are also some Florida bankruptcy attorneys who offer a discount on personal bankruptcies. Burden of Debt I am not a lawyer or even a paralegal. I am a Florida resident who has been thorough the painful process of filing for personal bankruptcy. I offer the information here, not as a substitute for qualified legal counsel, but simply to help you make the difficult decisions about how, when and if you should file. Let me start by saying that I did not take advantage of any of the cheaper options. I paid a Florida bankruptcy lawyer nearly $1,600 to file a chapter 7 bankruptcy. I am happy with this choice. The Cost of a Cheap BankruptcyI have seen web sites that claim you can file for bankruptcy online for less than $200. I am skeptical of this. My attorney told me that he turned more than $300 of the fee I paid him over to the middle Florida bankruptcy court to pay my filling fees. Maybe he was lying about this, I don't know. I am inclined to believe him about this simply because he turned out to be right about so many other things. Perhaps the filling fees are reduced for people who file for bankruptcy online. In any case, it seems to me that filling bankruptcy online is akin to filling your tax return online. It works best in simple cases. My case was not all that simple. I worked for myself, owned property and had assets I wished to protect if I could. The second option, physically filling the Florida bankruptcy forms to the court myself without an attorney, seemed much too daunting and labor intensive. Now that I've been through the process and know just how much paperwork is involved, I am really glad I did not attempt to do it myself.The third option, using a discount lawyer, appealed more to me than the other 2. I decided against it because I had serious doubts about how well a discount attorney would handle my case. I did not want to end up losing assets I could have kept due to inadequate representation. These attorneys are easy to find, in case you're wondering. They run ads offering to file chapter 7 bankruptcies for less than $600. If you don't have any assets, this may be the best option for you.
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Bankruptcy Planning Guide
Bankruptcy Strategies is a 200+ page E-manual you can download instantly which will provide you with an in-depth, easy-to-understand explanation of the various personal bankruptcy rules. These are all the things your lawyer will not take the time to tell you.Includes:
The manual is worth downloading for this information alone.
A bankruptcy attorney will never take the time to explain all of this to you.
It can mean the difference between eliminating all your debt in a few months and making court supervised debt payments for several years.
I wish I had found this manual back before I filed. I had assets I did not know were vulnerable (my attorney did not tell me until it was too late) that I might have protected.
What I really like about this E-book is the comprehensive financial strategies given to help you compare options and plan a way out of debt that works best for you.
Bankruptcy is not the best option for everyone. There are other ways to reduce or eliminate debt. Bankruptcy Strategies outlines them all!
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