Filing for bankruptcy online is not an actual deed that can be done. You can order bankruptcy forms online, find bankruptcy software online or have your bankruptcy lawyer submit your bankruptcy forms online – but if you prepare your forms by yourself you cannot submit them online.
The court will require you to submit a number of copies of your bankruptcy forms and courts vary on how you must submit a creditor matrix.
Do It Yourself – If you plan on filling out the bankruptcy forms yourself, you will be responsible for learning the bankruptcy laws and finding out where you submit your bankruptcy forms. You will also need to find the bankruptcy expemptions available in your state to use to protect your property.
Representing yourself at the 341 hearing is also your responsibility if you prepare your own bankruptcy forms. This is obviously the cheapest method, but it also leaves the most room for errors and confusion.
Hire An Attorney – You can also hire a bankruptcy attorney, they will look over your assets, debts and income, advise you on the best chapter for your situation, they will then complete the bankruptcy forms and submit them to the courthouse.
Your attorney will also accompany you to your 341 meeting. Hiring an attorney is the easiest option for saving you aggravation, but you will of course have to pay the attorney.