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The Bankruptcy File
Bankruptcy Court Filing
Chapter 7 & 13
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The best bankruptcy web site on the internet...

...my documents were perfect and everything went smoothly. Thanks for a job well done.

Our documents have been praised for quality by numerous bankruptcy court clerks.

Sit back, watch TV or do nothing while we prepare your bankruptcy 100% online in one just day

No Forms to Fill -- No Software to Download -- No Hassles to Deal With

Here is what we do for you

We Prepare the Documents

We prepare all your forms and documents, so all you do is sign your name

We Provide Support

We provide you excellent customer support, 24/7, for start to finish

We Guarantee Everything

We guarantee every form or document we prepare or your full money back.

This is not do it yourself

Chapter 7/13 Bankruptcy experts prepare all the forms for you so that all you do is sign your name and file them. There is no spending weeks researching, typing and erasing and typing some more and getting it all wrong. Our experts do everything for you

All you do is...


Signing up is easy. Allows you to log in to our site.


Enter your basic info on our secure site.


Sign and file the completed forms we give you.

Free Husband and Wife Joint Filing

You can file alone or with a spouse. If you are filing jointly with a spouse, your spouse files for free. There is more work for us when there are two people filing but Chapter 7/13 Bankruptcy does not charge you any extra.

Court Filing Fee Waiver

If you earn low income, we will include the court filing fee waiver paperwork so that you will have to pay the court filing fee. That is a savings of over $300.

Bankruptcy Means Test Included

Our documents include everything you need for the means test forms. You no longer need to worry about the state by state median family income tables or the national standards for food and clothing or the out-of-pocket health care expenses standard or any of the other required means test data. Chapter 7/13 Bankruptcy does all the calculations for you and include everything needed for your filing.

Exemptions Included

The completed documents include the bankruptcy exemptions specific to your state, thus allowing you to keep all your belongings. You no longer have to worry about losing your house or your cars or any other thing that you own.

Additional Service Features

You Choose Debts

You choose which debts to get rid of and which ones to repay. You can keep on paying your auto and home payments as usual or you can get rid of them.

Reaffirmation Agreements

Chapter 7/13 Bankruptcy provides you free reaffirmation agreement paperwork to enable you to pay pennies on the dollar for the secured creditors that you want to keep.

Unlimited Creditors

You can list an unlimited number of creditors with us at no extra cost. The more the number of creditors the more work for us, but that is okay. We can handle it.

Free Credit Report

If you need to see your credit report, you can. Chapter 7/13 Bankruptcy provides you access to your free annual credit report so you can see who and what 

Easy Data Intake

Giving us your information is very easy. You enter your bills on our secure site and you can save it as you go along so that you can come back later to continue where you left off.

Free Ask-a-Lawyer

If you need to ask a lawyer questions, we provide you access to lawyer who will answer your questions at no cost.

Our Flagship Product

Our flagship product is the Full Service Bankruptcy

Everything we have presented so far applies to this product. What exactly is the Full Service product and why is this the right bankruptcy filing for you? 

Full Service Product Features

Exceptional Quality

Our full service bankruptcy product produces the highest quality bankruptcy filing because our trained bankruptcy experts focus their attention on every important detail. First Chapter 7/13 Bankruptcy examines your assets closely to make sure they are all protected by exemptions so that none of them are at risk. Next they focus on the secured collateral assets such as your car and house to ensure that you can reaffirm the ones you want to reaffirm, surrender the ones you want surrendered and void the liens on the ones you want to void.

Means Test Qualification

Most importantly, for chapter 7 our experts make sure all the means test calculations are performed perfectly to the requirements for discharge. Since they are not lawyers and so cannot give you legal advice, if our experts identify potential issues, they notify you so that you can raise these issues with independent third-party lawyers made available to you via the free ask-a-lawyer benefit.

Full Money-Back Guarantee

We back our work with a written performance guarantee. It says that your bankruptcy filing will be accepted by the court or your money back.

Quick 24/7 Customer Support

We provide excellent email support not only while we are working for you but long after our work is completed. The bankruptcy process is multi-facetted and questions can arise at just about any stage, even after the discharge. You need to know that we will always be there for you to answer your questions and to guide you through the process. Our support link can be found at the top of the site. If your needs include legal advice, we provide you free access to our ask-a-layer resource where independent third-party lawyers will answer your questions.

We Make Filing Quick and Very Easy

It is virtually impossible to imagine an easier way to file bankruptcy. Our process is so easy that you can complete your part in as little as 30 minutes. This is because you Chapter 7/13 Bankruptcy your information online in your web browser in the simplest and most accurately possible. Once we get your information, we can usually complete our part in a matter of hours, at which point you are ready to file. So if you need to file today, you can. If you hire a lawyer it will take an average of three weeks before you can file. With a paralegal, it could be even longer. 

It Includes Everything

Our prepared chapter 7 bankruptcy forms set is complete. All you do is sign the documents and file them. It includes all the schedules from Schedule A to Schedule J and all other official federal bankruptcy forms including the means test forms and more.

Court Filing Fee Waiver

If you earn low income, you do not have to pay the court filing fee. We include the fee waiver paperwork so you do not have to pay the court. This is already a savings of more than $300. Like we said, our full service product includes everything.

Reaffirming Debts

There are times when you want to keep some debts beyond bankruptcy. For example if you just got a credit card and you want it to survive bankruptcy, you can. But how? How about if you have a car loan or a mortgage and you want to keep them? Reaffirmation agreement enable you to keep paying these debts. We provide full service customers access to reaffirmation agreement resources that enable them to keep paying any debts they choose. Beyond keeping select debts, reaffirmation agreements are a gold mine that can help you pay pennies on the dollar for certain types of debt while keeping the collateral.


Chapter 7/13 Bankruptcy takes the issue of security very seriously. Starting with your payment details, we are so fanatical about security that we do not retain any part of your payment information. It is passed on securely and transparently to the credit card networks without retention. Secondly, all your interactions with our customer site are conducted over secure connections to protect your information.


The Chapter 7/13 Bankruptcy privacy policy is simple. Chapter 7/13 Bankruptcy never ever shares your information with others. It is only used to prepare your bankruptcy and to provide you email support. We also never send you unsolicited email.

Here is how it works

Order our full service product. You can pay by bank debit card or by credit card. If you do not have a bank account you can use a pre-paid Visa or MasterCard card readily available at any grocery store.

Log in to our secure customer site and enter your basic information in our easy online intake questionnaire. It should take about 30 minutes to complete but if you need to, you can take days to do it. You do not need to have all your bills at the beginning. You can start with the bills you know about and then log back in later and continue where you left off. If you need it, you can get your free annual credit report for the link on our secure site.

When you are done entering your information, you let us know and we immediately start preparing the documents for you. When the documents are ready, you download them from the Chapter 7/13 Bankruptcy secure site and then sign and file them with the court.

We provide you all the information you will need to file your bankruptcy forms, including the location and contact information for the court in your area. Prior to filing, Chapter 7/13 Bankruptcy provides you a list of government approved class providers through whom you can take the mandatory debtor education online 90 minute class. 

On filing your bankruptcy, the court clerk will give you a date and location for the creditor meeting. It is usually about four week later. The creditor meeting is easy and should last only a minute or less. In any case, Chapter 7/13 Bankruptcy provides you on its secure site, information on what to expect and what to bring with you to the meeting.

After the creditor meeting, you simply wait a few weeks for the discharge notice from the court. It is that simple. Once you get the discharge notice, you are debt-free.

In the meantime and through it all, Chapter 7/13 Bankruptcy is constantly there for you ready to answer your question and to assist you. If you have any questions, you contact us night and day. Our customer service does not stop when you get your discharge. You would be surprised how many people come back a year after the discharge to add bills that they had forgotten. Whatever the issue is, we are always there for you. You can read all about our customer benefits on the secure customer-only site once you become a customer. On the secure site Chapter 7/13 Bankruptcy covers such topics as what to do about reaffirming debts, keeping up your car and mortgage payments, using the ask-a-lawyer benefit and more.

Everything went as you said that it would. There were no creditors at the hearing. The trustee asked us if we were sure we wanted to reaffirm the car. We said yes and just like that…it was over. Thanks for a job well done.

L. Jackson - Memphis TN

You may not realize it but you saved our lives... At first we were skeptical and so we kept waiting for something to go wrong but it didn’t. We got our discharge notice last month and we can only say, Thanks! Thanks! Thanks!

M. Cole - Los Angeles CA

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California Address: 255 E. Temple St., Room 940, Los Angeles, CA 90012
Florida Address: 801 N. Florida Ave., Tampa, FL 33602
NY Address: 271 Camdan Place, Brooklyn, NY 11201
Phone: 212-664-7665