Bankruptcy.Forum - Professional Bankruptcy Filing Made Simple

Complete Bankruptcy Self-Help Platform

Bankruptcy.Forum provides everything self-advocates and pro se litigants need to successfully navigate bankruptcy proceedings without an attorney. Save $1,500-$4,000+ in attorney fees with our comprehensive platform.

12-Step Bankruptcy Process

1. Feeling Crushed - Make a Decision: Recognize financial distress and decide to file for bankruptcy relief.
2. Collect Required Documents: Gather tax returns, pay stubs, bank statements, and financial records.
3. Receive Credit Counseling Certificate: Complete mandatory credit counseling from approved provider.
4. Complete Bankruptcy Schedules: Fill out comprehensive financial disclosure forms.
5. File and Pay Fees/Seek Waiver: Submit petition to bankruptcy court with required fees.
6. Automatic Stay Starts Now: Immediate protection from creditors begins upon filing.
7. Notice of Trustee & Meeting of Creditors: Receive official notices and meeting details.
8. Wait for Hearing Or Make Payments: Chapter 7 hearing or Chapter 13 payment plan begins.
9. Attend Meeting of Creditors: Brief meeting with trustee (typically under 10 minutes).
10. Take Financial Management Course: Complete mandatory financial education course.
11. Wait for Discharge or Amend Plan: Final steps toward debt relief completion.
12. Discharge - FRESH START!: Successful completion and debt discharge granted.

Our Services

• Professional Document Preparation - Court-approved Chapter 7 & 13 forms
• AI Legal Assistant - 24/7 personalized bankruptcy guidance
• Risk Assessment Tools - Means testing and eligibility analysis
• Community Support - Connect with 15,000+ successful members
• Educational Resources - Comprehensive guides and success stories

Key Statistics

• 15,000+ Successful Filings
• 95% Success Rate
• Save $1,500-$4,000+ in Attorney Fees
• Just $15.95/month membership
• 4.7 Star Member Rating

Chapter 7 Bankruptcy

Chapter 7 bankruptcy, also known as liquidation bankruptcy, allows individuals to discharge most unsecured debts in approximately 3-4 months. This option is ideal for people with limited income who cannot afford to pay back their debts.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows individuals with regular income to develop a plan to repay all or part of their debts over 3-5 years. This option helps protect valuable assets like homes while restructuring debt payments.

Meeting of Creditors Information

The Meeting of Creditors, also known as the 341 Meeting, is a brief proceeding where the bankruptcy trustee asks questions about your financial affairs. These meetings typically last less than 10 minutes, and creditors rarely attend. This is not a court hearing and no judge is present.

Adversary Proceedings

An adversary proceeding is a lawsuit filed within a bankruptcy case. Common types include objections to discharge, preference actions, and fraudulent transfer claims. Pro se litigants can handle many adversary proceedings with proper guidance and documentation.

Student Loan Discharge

Under 2022 policy changes, student loans may be dischargeable in bankruptcy if you can demonstrate undue hardship. Our platform provides guidance on the updated standards and documentation requirements, with a 98% success rate for qualifying cases.