The prospect of claiming bankruptcy causes enough stress and financial woes without having the added worry of where you are going to find money to enlist the legal representation of a bankruptcy lawyer. Sure, there are cheap bankruptcy lawyers who offer affordable services but the qualities that they deliver are a bit hit and miss. You never really know if your hard earned money is being well spent and maybe you will end up getting less than you bargained for.
Although it is not seen as a first choice or even a recommendation over the services of a bankruptcy lawyer, there are cheap bankruptcy software kits that are available online for personal and business use if bankruptcy is the route that you need to take to relieve yourself from financial desperation. These kits cost as little as $50 for DIY bankruptcies but of course you also have the fees incurred from filing at the bankruptcy court.
The personal bankruptcy software kit includes all the forms that you will need to complete for filing bankruptcy under Chapter 7 or Chapter 13 and it also includes the means test which is mandatory under US bankruptcy law. The forms are available in various formats to include MS Word and PDF and the software is updated as the law changes. No matter where you live in the US, the kit is valid in each of the 50 states and by purchasing the software you will have free access to an attorney referral service.
The business bankruptcy software kit covers those who wish to file for bankruptcy under Chapter 11. The kit includes all the forms necessary for whichever type of bankruptcy claim you are making – Chapters 7, 11 and 13. They also give you a money back guarantee and the kit is priced for under $30. It has been approved by bankruptcy attorneys and accountants so it is definitely a cheaper alternative to expensive lawyers if you feel brave enough to file a petition for bankruptcy by yourself.
All in all the prospect of a DIY bankruptcy does not look so gloomy after all when you know that such help exists. Many people do not have the choice between cheap or expensive bankruptcy lawyers and a do it yourself bankruptcy. If money restricts you from the first two options then DIY seems to be the only answer.
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