Do It Yourself Bankruptcy
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Online Bankruptcy Filing
Jon_chiefeditor

Editor's Note

"Though they all produce bankruptcy filings, not all bankruptcy preparation businesses are the same. The same applies to attorneys. Just because a debtor can afford an attorney does not mean that they will get better results.

In order to include a company in our review, the company has to meet certain criteria. As a minimum, it has to demonstrate stability by serving the public long enough to have a critical mass of past customers with an opinion on them; It has to allow us access to its product and it has to allow us to gather feedback from its past customers.

We have tracked this sector for years and we have done our homework. So we know who is who and can offer insightful recommendations.

Our recommendations are not based on price neither should your choice be based solely on price. Compared to the tens of thousands in debt that you will discharge, the small variation in price between the reviewed vendors is insignificant. Pay a little extra and use the best. You will quickly forget how much you paid but you will remember the results of your choice for years to come.

There are web sites selling as software, plain old blank bankruptcy forms, the same that you can download from many court web sites for free. This practice is deceptive. A piece of software is not a document such as a PDF form or a Word document or an Excel spread sheet, yet these web sites take the same free froms from the bankruptcy court and call them software and charge as much as $49 for them. We do not review those companies and we urge you to avoid them."
Bankruptcy Vendors: reviews

To file bankruptcy or not to file bankruptcy? These are some of the questions addressed by US Bankruptcy Reviews in this in-depth look at bankruptcy filing and the choices available. We take a close look at some of the leading bankruptcy preparation sites and offer recommendation to help debtors choose.

Choose from these leading bankruptcy help companies with prices starting as low as $49.99.

-- Editor's Picks --
Miller Bankruptcy

This is our editors' top pick. It may look like another bankruptcy site but it is not. Their Labyrinth makes all the difference. There is nothing quite like it on the internet and that includes attorney sites.

How To File Chapter 7 Bankruptcy
USA Bankruptcy

Among the top two on the internet and very affordable. The best guarantee around. Comparable to Bridgeport in level of service. Full Service. No software. Great customer service. Most popular.

Online Chapter 7 Bankruptcy Preparer
Bridgeport Bankruptcy

One of the best Full Service companies around. Thousands of cases prepared. Good customer support. High quality work usually in 1-day or less! Amongst the fastest turn-around. Best Value.

Online Bankruptcy Service


Editor's Top Pick, Best Overall Vendor
Miller Bankruptcy Group


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The Bottom Line: If you are looking for the cheapest, then this is not for you. But if you want a top quality bankruptcy prepared by real experts, not software and if you do not want regrets later, then this is it. In fact, even if you can afford an attorney, this would still be our top choice. Why? Because you get document quality exceeding that of most attorneys; free access to online attorney consultation, and something you will not get from lawyers, their proprietary knowledge-base, the labyrinth.

Specs: Full-Service, sign and file, unlimited number of creditors, chapter 7 or 13, free means testing, money back guarantee, attorney access, credit protection knowledge-base.

*Est. $299
Best Mid-Priced Full Service Vendor
USA Bankruptcy Associates
chapter 7 bankruptcy filing

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The Bottom Line: Their web site is understated but do not let that deceive you. They are the top volume bankruptcy preparation site in America. In fact, USA Bankruptcy Associates created the online bankruptcy preparation category in the first place. Prior to them, you had to go in to an office to have your bankruptcy prepared.

They offer solid bankruptcy preparation second to none, and they offer something no one else does, their craze guarantee. If your bankruptcy is denied for any reason, even if the fault is entirely yours, they will take responsibility and refund your full money. That is something attorneys do not do.

Specs: Full-service, unlimited creditors, same-day turn around, good customer service, unbeaten guarantee, free built-in means testing. Fully online so nothing to install on your computer.

*Est. $187
Premier Full-Service Vendor
Bridgeport American Bankruptcy
chapter 7 bankruptcy filing

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The Bottom Line: They are one of the first full-service bankruptcy sites and among the top volume preparers. They handle both chapter 7 and chapter 13. If you are filing chapter 7, they are a one stop solution since they provide free built-in means testing, unlimited number of creditors, same-day completion and free court fee waiver in one base price. Their double-your money back guarantee is reassuring. If you are cost conscious and also want hassle-free bankruptcy, this one is for you.

Specs: Full-service, unlimited creditors, same-day turn around, good customer service, 200%money-back, free built-in means testing. Fully online so nothing to install on your computer.

*Est. $159
Premier Full-Service Vendor
ZMT Bankruptcy
filing chapter 7 bankruptcy online

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The Bottom Line: There is only one means test web site on the internet and ZMT is it. Because they provide the only free means testing to the general public, they have the most bankruptcy traffic in the US. Sooner or later, everyone considering bankruptcy comes to ZMT for their free means test. So if you need to see if you qualify for chapter 7 bankruptcy before you hire a full service company, visit them. They are not only the means test destination, they also prepare full-service bankruptcies. Their full service bankruptcy costs a bit more than USA Bankruptcy Associates, but they discount it if you do a paid means test with them.

Specs: Free bankruptcy means testing. Full-service chapter 7 filing, unlimited creditors, next-day turn around, good customer service, unbeaten guarantee, free built-in means testing. Fully online so nothing to install on your computer.

*Est. $0 to $199
Premier Discount Full-Service Vendor
Easy Bankruptcy Services
filing chapter 7 bankruptcy online

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The Bottom Line: Dependable full-service bankruptcy preparer. It used to be the most visited bankruptcy site since they were one of the first movers in the field. While others have added extras such as help with after-bankruptcy credit, they have remained strictly an old-school chapter 7 only company with no frills.

They are also the most affordable full-service company around. If you want a solid company that has been around for a long time and cost is important to you, then this one will not disappoint. They have extensive bankruptcy information on their public web site that is well worth a visit.

Specs: Full-service, next-day turn around, good service.

*Est. $139
Reviewed Full-Service Vendor
Debtor Aid
chapter 7 online bankruptcy filing

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The Bottom Line: This is basically a straight-to-the-point no frills bankruptcy web site. They prepare only chapter 7 bankruptcies. If you need chapter 13 or corporate bankruptcies, then this site is not for you. Of course because they are a full-service company, you have somebody seeing to it that the documents are done right, as opposed to do-it-yourself bankruptcy software.

They are a bit more pricy than comparable full-service sites like EasyBankruptcyServices.co

Specs: Full-service chapter 7 only and fully online, so nothing to install on your computer.

*Est. $169

Form Sellers
Companies To Be Cautious Of
These companies sell blank forms, not software but they market them as software.

 

www.1clickBkSoftware.com




www.standard software.com






Look for the words, "fillable" or "instant download" or "bankruptcy forms software" or "legal forms software" in their sites.






 





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The Bottom Line: A few web sites including the ones listed in the left, sell blank bankruptcy forms but market them as bankruptcy software. They usually sell them for about $49.

Substantially, these are the exact same blank bankruptcy forms that anyone can download for free directly from the court web sites.

Why would anyone pay $49 for the same blank bankruptcy forms that they can freely download directly from the court? The answer is that they market them as "bankruptcy software" and a lot of gullible buyers believe that if they call it software, then it really is software and as such, it will make preparing their bankruptcy easy.

When these buyers get the so called software and realize that it is largely the same blank forms that they can download for free from the court web sites, they just sigh and move on, figuring that $49 is not worth fussing about.

As far a we know, there are only two legitimate bankruptcy software sites on the market for American debtors and they are: www.guaranteedbk.co and www.verantBk.com These two are real bankruptcy software sites.

Web sites such as www.1clickBkSoftware.com and www.standardsoftware.com are not real bankruptcy software sites. They download the same free bankruptcy forms that anyone can download from the courts, and then they package them as software for unsuspecting customers. You can still use them but know what you are getting.

Specs: Blank bankruptcy Forms.


*Est. $49
Pros: Full-Service bankruptcy preparation; Ready to sign and file; current to latest requirements for all states; Reveals inner workings of court clerks, judges, trustees, creditors and most especially, creditors. It allows you to structure bankruptcy filing to your advantage. Provides access to attorneys at no extra charge.

Cons: A bit more expensive than other full-service sites but well worth it.

Extras: They provide access to attorneys who can answer bankruptcy questions from as little as $25 to free in some cases. The Labyrinth is their proprietary one-of-a kind must-have secrets knowledge-base that you can use to keep bankruptcy off your credit report.

In the long run, if you can keep your bankruptcy off your credit report, your life after bankruptcy will be a lot easier and you will end up saving thousands in finance fees down the road.

Our Top Pick, Best Overall Vendor
Pros: The oldest continuously serving online bankruptcy business in the US. They prepare more full-service consumer bankruptcies than any other web site or law firm. Solid sign-and-file document preparation and their money-back guarantee is unrivaled, Same-day turn around, unlimited number of creditors, couples can file together without extra charge. Best overall value. It was hard for us to decide between Miller and USA for our top pick because of Miller's labyrinth. If you do not need something like Miller's Labyrinth, for the price, this would be our top pick.

Cons: They do not provide access to attorneys and luckily, most people do not need attorney consultation. They do not handle corporate bankruptcies.

Extras: While they do not provide attorney access, they provide resources to help you rebuild your credit after filing bankruptcy.

Their bankruptcy information input questionnaire is intuitive and very easy to complete. You can save your data with a mouse click and log back in later to continue where you left off. This allows you to take your time collecting your information and entering your creditors.


Best Mid-Priced Full-Service Vendor
Pros: One the best known Full-service companies. Their package is the full sign and file service, so you can count on them to do everything for you. The only thing you have to do is give them your bills and file the finished documents. They will take all your creditors no matter how many they are, without a per creditor charge like most attorneys. Because it is not a software site, you do not have to worry about installing some unknown executable that can compromise your computer. With their 200% money-back guarantee, they have some of the best guarantees of all the bankruptcy sites. They also include a free fee waiver so that in most cases, you do not pay the court filing fee. In a nut shell, for the modest amount they charge for true full-service, you cannot go wrong with this company.

Cons: They are mostly a word of mouth site and advertize on the search engines only sporadically, so they can be difficult to find on the search engines unless that are bookmarked. They do not provide access to attorneys and luckily, most people do not need attorney consultation. They do not handle corporate bankruptcies.

Extras: While they do not provide attorney access, they provide some help rebuilding your credit after bankruptcy.


Premier Full-Service Vendor
Pros: The only publicly available means testing service anywhere. Since they own the space, you know that if you qualify with them, you will qualify for a discharge of debts with the court for sure. Their full-service bankruptcy is on par with the best. Because it is full-service, you do not have to worry about using software and screwing it up yourself. It may cost a bit more than software but you get what you pay for. If you want to stick with only one company for everything from the means test to the final bankruptcy discharge, then this one is for you.

Cons: They do not help with keeping bankruptcy off your credit report or rebuilding your credit later. Also, they do not provide access to attorneys and luckily, most people do not need attorney consultation. They do not handle corporate bankruptcies.

Extras: Free bankruptcy means testing. Their means test results are accepted by other sites and participating attorneys.


Top Means Test Provider and Premier Full-Service Vendor
Pros: One of the first full-service preparers, so they have had the time to perfect their craft. Solid and up-to-date documents and extensive bankruptcy information on their public site. Quick turn-around. Most affordable full-service bankruptcy product.

Cons: Their site has not changed in more than nine years neither have they offered extras such as after-bankruptcy credit help. Also, they do not provide access to attorneys and luckily, most people do not need attorney consultation. They do not handle corporate bankruptcies.

Extras: None.


Premier Discount Full-Service Vendor
Pros: DebtorAid is a full-service bankruptcy company offering the basics; good bankruptcy documents and 2 to 3 day turn-around. Their web site is straight to the point with little to read and depending on one's point of view, that may or may not be a benefit.

Cons: They do not provide access to attorneys and luckily, most people do not need attorney consultation. They do not handle corporate bankruptcies.

Extras: None.


Reviewed Full-Service Vendor
Pros: You are always better off with full-service sites where bankruptcy experts actually prepare the documents and take responsibility for the results. If you insist on software, then the best of them is guaranteedbk.co

Cons: Avoid the $49 software sites. They sell the same free bankruptcy forms that anyone can download for free from the court. They just package them to look like software.

Pay a little more for full-service and have it all done for you.

Extras: None.


Reviewed Software Vendor
Self Filing Chapter 7 Bankruptcy