Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

NOLO Book: How to file Ch 7 now available!

Collapse
This is a sticky topic.
X
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • NOLO Book: How to file Ch 7 now available!

    Nolo puts out an excellent set of BK books and now has their Chapter 7 book updated with the new laws (the Ch 13 books is not ready yet):

    How to File for Chapter 7 Bankruptcy
    by Attorney Stephen R. Elias, Attorney Albin Renauer & Attorney Robin Leonard

    http://nolo.com/product.cfm/ObjectID...51A79/213/161/

    There is also a sample chapter at that link.

    Summary

    Your step-by-step guide through Chapter 7 bankruptcy.

    Deciding to declare Chapter 7 bankruptcy has never been easy -- and recent changes in the law place fresh hurdles in the way of debtors seeking a fresh start.

    Don't worry, help is here! How to File for Chapter 7 Bankruptcy provides the clear and user-friendly information, advice and forms you need to get through the entire process.

    First, the book will help you determine whether you qualify for Chapter 7 -- and whether it is the best way to deal with your debts. Then you'll find out how to:

    - stop wage garnishments and attachments
    - fill out and file all the forms
    - cancel as much debt as possible
    - deal with secured debts
    - keep the maximum amount of property
    - keep your home, if possible
    - rebuild credit after bankrutpcy

    The 13th edition is updated and revised to reflect the latest laws and legal forms, plus the line-by-line instructions you need to fill them out. Easy-to-use charts make looking up the laws of your state a snap.

    Please note: This book does not cover business bankruptcies, farm reorganizations or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's Chapter 13 Bankruptcy: Repay Your Debts.

    Press ReviewsI've read the earlier versions for Ch 7 & 13; plus, "The New BK: Will It Work for You?" They help you step by step, line-by-line to fill out the forms. I was really impressed with the books. Well worth the $25!
    *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

    My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

  • #2
    I just ordered a copy. Right now, it's only showing a paperback version, but maybe they'll have a downloadable version also.

    I found a coupon code for 25% off--basically wiped shipping charges away.

    BizDev-HALT website-25 percent OFF A260 Coupon 25% off
    *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

    My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

    Comment


    • #3
      Go to http://www.allsolutionsnetwork.com/PM/PM45579/. From there you will find links to free bankruptcy forms, commonly asked questions, and a free bankruptcy manual.

      Comment


      • #4
        Originally posted by PM1974
        Go to http://www.allsolutionsnetwork.com/PM/PM45579/. From there you will find links to free bankruptcy forms, commonly asked questions, and a free bankruptcy manual.
        Everyone knows that there are free ways out there, but when this book was recommended by the courts here for pro se filing, it is a good alternative for people that don't have internet access (plus a lot of stuff on the internet is out of date) and/or want to have one organized source to step them through a lot of issues. It doesn't intend to be a substitute for legal representation; however, we all know that not everyone can afford that. Still very few sources have a line by line guide for filling out the paperwork.

        I have no ties to NOLO; however, have just found it an excellent resource and wanted to share the coupon code as well. While other companies wanted to make the fast buck and get their new books out right when the laws changed, NOLO waited until a few months ago to release this book to make sure they could see how the new laws flushed out and so they could incorporate changes in forms. It's just a recommendation--take it or leave it.
        *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

        My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

        Comment


        • #5
          Nolo Download

          If you download the nolo book from their website can you type the info on the forms from your computer. I was thinking about buying the book,however I don't have a typewriter.

          Comment


          • #6
            i just got this book - i ordered it from Amazon and it was just under $19. i don't have a typewriter either... i didn't think about that. i hope i can figure out a way to get the forms online where you can type and print them.
            Monica
            planning to file Ch. 7 - soon!

            Comment


            • #7
              Here is a link to the U.S. Court Bankruptcy Forms data enabled forms:
              http://www.usdoj.gov/ust/eo/bapcpa/defs/index.htm

              There are PDF files that allow you to "fill-in" the blanks--one problem, you can't save the information if you use the regular Adobe Acrobat PDF Viewer. Instead, get something like CutePDF form filler that allows you to fill-in AND save the forms as you are working on them:
              http://www.cutepdf.com/Products/CutePDF/Filler.asp
              *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

              My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

              Comment


              • #8
                cool - thanks! i am loving this forum.
                Monica
                planning to file Ch. 7 - soon!

                Comment


                • #9
                  I ordered the online version of the book. I still plan to use a lawyer with the bk, but this book gave me so much information I will be much more focused, and know what questions to ask, stratigies to suggest etc....It's well worth the money. My first visit with a lawyer was, I have come to realize, a complete waste of time....although I didn't realize it at the time.

                  I live in a small town about an hour away from Denver, so there's not a ton of BK attorneys available...This book will help me keep them honest.

                  Comment


                  • #10
                    good idea! i got the book a couple weeks ago and have recently finished reading it (well, as much as you can "read" a book like this - i read all the text up until it started being mostly just instructions and forms). it's very easy to understand and i'm eager to get started filling out the paperwork. the book and this forum are definitely helping me with the confidence and courage to file pro se!
                    Monica
                    planning to file Ch. 7 - soon!

                    Comment


                    • #11
                      AreSoonParted,
                      You're lucky you got the ebook version--it wasn't available when I ordered and I wound up ordering the paper version. (I like ebooks so you can search on anything and take it on your laptop with you.)

                      Between the Ch 7 and their book "The New Bankruptcy: Will It Work for You?" (which helps you determine between 7 & 13), I learned so much. These boards are so informative, but I was getting a bit overwhelmed by all of the information and it was good for me to read things in a concise organized fashion to make sure I was understanding things correctly. I have often consulted those books before answering a question on here.

                      Unfortunately, "Chapter 13 Bankruptcy: Repay Your Debts" is not available since it is not due out until the fall.
                      *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

                      My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

                      Comment


                      • #12
                        [url]

                        ************************************************** ***************
                        The Small Print: This response is for discussion purposes only.
                        It isn't meant to be legal advice and you shouldn't treat it as
                        such. If you want legal advice, speak with a local lawyer
                        familiar with your state's laws who can review *all* of the
                        facts and the law applicable to your situation.
                        ************************************************** ***************
                        Last edited by HRx; 09-12-2006, 12:15 AM.

                        Comment


                        • #13
                          I agree with you, Brett. In Colorado, there is a note on their web page: "Please be aware that through January 20, 2006, 81% of the cases dismissed under the new provisions of the Bankruptcy Code were filed by debtors who did not have an attorney."

                          However, the unfortunate reality is that filing BK is getting more and more expensive. And, as I posted in another thread, they are looking to raise the filing fees once again. Ironically, people cannot afford to file for BK.

                          I've hired a lawyer, but am preparing as if I was filing pro se since I'm the only one who cares 100% about the outcome of my case and has a vested interest in it. (Sorry, I know you're a lawyer, but that's the reality of it--it's the debtor that loses sleep over this night after night, not the lawyer.) You hear of so many cases here where people get their forms back from the lawyer and they are filled with substantial errors. It's good to be educated and know what you're looking for.
                          *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

                          My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

                          Comment


                          • #14
                            Originally posted by anonymuse View Post
                            I agree with you, Brett. In Colorado, there is a note on their web page: "Please be aware that through January 20, 2006, 81% of the cases dismissed under the new provisions of the Bankruptcy Code were filed by debtors who did not have an attorney."

                            However, the unfortunate reality is that filing BK is getting more and more expensive. And, as I posted in another thread, they are looking to raise the filing fees once again. Ironically, people cannot afford to file for BK.

                            I've hired a lawyer, but am preparing as if I was filing pro se since I'm the only one who cares 100% about the outcome of my case and has a vested interest in it. (Sorry, I know you're a lawyer, but that's the reality of it--it's the debtor that loses sleep over this night after night, not the lawyer.) You hear of so many cases here where people get their forms back from the lawyer and they are filled with substantial errors. It's good to be educated and know what you're looking for.
                            The more a client knows about their case, the better I like it. I urge my clients to open a Pacer account and review their case regularly. After all, as you correctly note, I have lots of active cases and theirs is the only and most important case in the universe for my client.

                            NACBA, the National Association of Bankruptcy Attorneys, is fighting against the proposed increase in Chapter 7 filing fees, not because Chapter 7 Trustees aren't entitled to an increase in their fees--they are--but because the filing fees are too high already, pricing some folks out of bankruptcy entirely.

                            One of the very few good things about the new law is that the bankruptcy court may waive the chapter 7 filing fee for an individual debtor who: (a) has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) applicable to a family of the size involved; (2) and (b) is unable to pay that fee in installments. I've filed several of these for clients, and had them granted.

                            And as for debtors who have attorneys who prepare poor and error-filled forms and don't return client calls...I recommend writing a letter to the judge detailing the problems you are having. The Bankruptcy Court has complete power over attorney fees, and I've seen judges order a lawyer who did a poor job to disgorge, or return to the client, all or a portion of the fees paid.

                            Brett Weiss
                            [Maryland, DC and Federal bars
                            Member, National Association of Consumer Bankruptcy Attorneys

                            --> Read our Bankruptcy FAQ at [FAQ/br_faq.htm[/url][url]

                            ************************************************** ***************
                            The Small Print: This response is for discussion purposes only.
                            It isn't meant to be legal advice and you shouldn't treat it as
                            such. If you want legal advice, speak with a local lawyer
                            familiar with your state's laws who can review *all* of the
                            facts and the law applicable to your situation.
                            ************************************************** ***************
                            Last edited by HRx; 09-12-2006, 12:15 AM.

                            Comment


                            • #15
                              To Confusing!!

                              i cried when i tried to read it cuz i dont know what the heck it all means? and i'm so broke i cant hire an attorney! cant even pay for the stupid credit counseling! the book was 30 dollars. i could have bought groceries with that.

                              that book sucks!!!!!!!!!!!!!!!!!!!!!!!11

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X