Bankruptcy Chapter 7 & 13 Legal Forms Software

Description

AMERICA’S BEST PERSONAL BANKRUPTCY SELF-HELP LEGAL DOCUMENT SOFTWARE

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.
 

CHAPTER 7/13 BANKRUPTCY SOFTWARE EXAMPLES

PERSONAL CHAPTER 7 AND CHAPTER 13 BANKRUPTCY FILINGS

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.

INCLUDED IN THE CHAPTER 7 / 13 BANKRUPTCY SOFTWARE

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;

– Forms and information relevant and specific to each District Bankruptcy Court within the United States, including district-specific repayment plans;

– 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 course before filing and the Debtor Education course after filing;

– 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;

– the new Attestation Form to Discharge Student Loans as part of a bankruptcy filing, overview here.

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.

COMPLETING THE BANKRUPTCY FILES

The design format of all Bankruptcy documents are determined solely by the U.S. Bankruptcy Court. Since all documents must follow the Court’s format, Standard Legal provides all of its Bankruptcy forms as individual PDF files matching the Court’s exact format.

Every Standard Legal Bankruptcy form is built so that all required information is supplied quickly by the user directly within each data collection field on each Bankruptcy form. The user moves from one data field to the next simply by hitting the TAB key on the keyboard. There is no need to search through a PDF file to locate an area where information must be provided. Simply click the computer’s cursor into the first data field on a form, then hit the TAB key to continue to the next field until all are completed.

Keeping the individual Bankruptcy forms separate in this process makes each file size manageable and allows a user to skip forms not required for a particular filing. In this setup, there is no duplication of data entry, either!

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.

WHY CHOOSE STANDARD LEGAL?

☆ 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.

☆ 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!)

☆ 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!

☆ 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!

☆ FREE ATTORNEY FIND: If you decide that handling a legal situation yourself might not be the best course of action, search our Attorney Find section for FREE to find a local attorney to help you.

☆ 100% MONEY BACK GUARANTEE: Standard Legal guarantees that all of the documents in our software package 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 at once or refund 100% of the purchase price.

SYSTEM, SOFTWARE AND FILE USE REQUIREMENTS:

This Standard Legal software is PDF-based and works on virtually all Windows, Apple, Macintosh, Android and Linux-based PCs, laptops, tablets and mobile devices.

Using the FREE Adobe Reader, data is entered into each of the Bankruptcy forms as indicated. It is best to use the most up-to-date version of Reader; see ‘Help > Check for Updates’ in the program’s menu to get the latest version. It is CRITICAL that Reader ALWAYS be used as a stand-alone program or mobile app and NEVER within a web browser.

Links to a downloadable .zip file are presented immediately upon the completion of your order. This .zip must be expanded to access the PDF files. Most computers have an expansion program like WinZip pre-installed; if your computer does not we recommend StuffIt Expander (it’s FREE!). Once the file is downloaded, all documents within can be completed offline, no internet connection required. Read the START-HERE.txt file included in the initial download for more instructions.

Access links to the downloadable .zip file and/or the online forms server for this title are available for one (1) year after the date of purchase, upon request. Files downloaded and saved to a device may be used without time limit, but new downloads are no longer accessible one year after the date of purchase. A discount code is available to past customers by email to make a new or updated purchase.

Is Standard Legal Software Right for You?

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 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 the legal form titles you choose can be mailed to you for an additional $9.95. Simply select the radio button in front of ‘Mailed CD: $9.95‘ during checkout.

Have a Bankruptcy question? ASK STANDARD LEGAL >

 
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 Edition software at ParalegalDocuments.com.