Find how EZBankruptcyForms Chula Vista bankruptcy software compares to a Discount Chula Vista Bankruptcy Lawyer in 2024.

CHEAPEST BANKRUPTCY IN SAN DIEGO | CHULA VISTA | OCEANSIDE IN 2024

(5 minute read)

This page compares the hiring of a San Diego, Chula Vista, or Oceanside Bankruptcy Lawyer to using EZBankruptcyForms Bankruptcy Software for Consumers and the accompanying free California bankruptcy tutorial.
Every form has a purpose, and we include all the necessary forms for your bankruptcy. Our bankruptcy software and tutorial updated November 22 provide an inexpensive option to hiring a discount San Diego, Chula Vista or Oceanside bankruptcy lawyer.

EZBankruptcyForms.com has been in business since 2010, and continues to be a viable alternative to a San Diego, Chula Vista and Oceanside bankruptcy lawyer in 2024.

Past customers compare EZBankruptcyForms to a San Diego Bankruptcy Lawyer. Here's what they said:

I found your forms extremely helpful. I filed and had no issues. I found your resources helpful in finding further assistance after my filing. Thank you! I just received my Chapter 7 bankruptcy discharge. I was totally prepared for my Meeting of Creditors and was in and out within 10 minutes without a bankruptcy lawyer. Filed Chapter 7 today. Everything went well, was complimented how well the forms were ordered and how well they were neatly completed. Thank you for all your help, and wish to pass on to you the compliments. I think your product is the best, and probably the only one. I hope that the questions I asked will make your software even better. I had an appointment with an attorney, and was a bit disgruntled at the price tag assigned to a small bit of paperwork. I was equally annoyed when it seemed as if I would be doing the majority of all paperwork related to a Chapter 7. Using your software instead of a bankruptcy lawyer, my debts are discharged in little more than 3 months! I just want to say that after using your service I was very successful in doing my own Chapter 7 bankruptcy. The Bankruptcy Court had approved my bankruptcy filing with no questions. I just received my Chapter 7 bankruptcy discharge. I figured all I needed was a little guidance, something the bankruptcy lawyer I met with would only give me for a $1500 up front fee. Thought I would try you out and I am glad I did! Two Bankruptcy Lawyers I contacted made the process seem very hard. Your step-by-step tutorial proved them wrong. My debts are discharged and I am glad I used your software. I followed your Chapter 7 bankruptcy tutorial and my debts were discharged in under four months. I initially saw a bankruptcy lawyer to find out my options and found out he wanted a $1500 payment up front, which is pretty impossible when you have no money. I decided to take a chance with your bankruptcy software and am glad I did. The paperwork was flawless, and my bankruptcy was discharged in under 4 months. Just like you claimed, the free tutorial provided the guidance and your bankruptcy software simplified my bankruptcy. My debts were eliminated within four months. With the bankruptcy court so close, I wonder why anyone would consider hiring a bankruptcy lawyer. I just received my Chapter 7 bankruptcy discharge. I was a bit nervous at my Meeting of Creditors when the Trustee sent a file back for correction for one of the other filers that was represented by a bankruptcy lawyer. When it was my turn, that SAME Trustee complimented me on my organization. I appreciate you providing resources both for your software and your research on free bankruptcy legal services. They made filing on my own possible. I am very happy with both your product AND your resources to find free bankruptcy help. The volunteer lawyer was able to review my paperwork and said it looked very professional. My Meeting of Creditors went smoothly, and I received my discharge about 90 days later. I filed on my own to get this done ahead of some pre-judgment remedies. I was extremely happy with the pace and user-friendliness of the product. Everything went smoothly, from start to finish. First, let me tell you that overall your forms were great. Just not having to do the math manually saved me hours of time in preparation. I would happly recommend your forms to someone needing to file pro se.

Filing your paperwork is the FOURTH STEP in discharging your debts:

1. Initial Qualification (Chapter 7)
2. FILLING OUT YOUR PAPERWORK
3. Credit Counseling Certificate
4. FILING YOUR PAPERWORK
5. Meeting of Creditors
6. Financial Management Certificate
7. Debt Discharge

To find out more, HOVER OVER ME.

San Diego Area Bankruptcy Lawyer Benefits

Chula Vista Bankruptcy Lawyer Costs

San Diego Bankruptcy Rules and Guidelines

Discount Oceanside Bankruptcy Lawyer Comparison

Bankruptcy Filing Location

San Diego Chula Vista or Oceanside Bankruptcy Lawyer Summary

SAN DIEGO, CHULA VISTA or OCEANSIDE BANKRUPTCY LAWYER BENEFITS

Consumer debtors considering filing bankruptcy in Chula Vista or Oceanside may feel the need to hire a San Diego Bankruptcy Lawyer. Bankruptcy laws allow individuals to file for Chapter 7 or Chapter 13 bankruptcy in conjunction with other debt-relief options, including consolidation. If you have decided that bankruptcy is the right option for you, you can either choose to hire a Chula Vista area bankruptcy lawyer, or choose one of the more DIY options. While a Oceanside bankruptcy lawyer can provide guidance to your bankruptcy, the costs for that guidance can be more than you can afford.

The "Catch-22" is that the individual is more-than-likely dealing with this situation for the first and probably only time in their life. The guidance a lawyer may provide can be, for some, the only possible way to achieve the desired results.

Of the two chapters of bankruptcy, only Chapter 7 allows you to the opportunity to discharge (wipe out) all of your debt. The other one, Chapter 13, requires a re-payment plan over three to five years to your creditors. For that reason, Chapter 7 is much more popular than Chapter 13. If you end up filing for Chapter 13, the lawyer can be useful in negotiating your repayment down from say, 100% to 60% of your accumulated debt. Obviously, debtors would rather pay 0% than 60% of their debt, so Chapter 7 is nearly always the best option.

Please understand that there is nothing that says you must hire a lawyer to get bankruptcy relief. Choosing a Lawyer DOES NOT guarantee there will not be errors. Like you, lawyers also make mistakes, and like you, in most cases those mistakes are correctable.

BANKRUPTCY LAWYER COSTS AND PAYMENT OPTIONS

The saying about individuals being to broke to go broke can apply here. The national average cost for a Chapter 7 bankruptcy lawyer case is around $1500-$2000, and the cost is doubled for Chapter 13.

Can you make payment arrangements with your lawyer? The answer is, it depends...

Remember from above, Chapter 13 is a repayment plan of your debts to your creditors over a three to five year period. Since Chapter 13 is a repayment plan of your debts, your lawyer can then essentially become one of your creditors and accept a fee in installments.

Remember from above, Chapter 7 allows you in most circumstances to discharge all of your debt. In doing so, you are not allowed to pay one of your creditors while refusing to pay others, and it is illegal for both you and the lawyer to have a side deal in which you pay after your Chapter 7 bankruptcy is discharged. For that reason, the lawyer must get the fee up front. One of the forms in the bankruptcy paperwork you will be filling out specifically addresses this.

If a lawyer advertises "no up front costs", that lawyer is advertising Chapter 13 and NOT Chapter 7, and may steer you in that direction. More than likely, that advertisement is to get you to initially call, in which the lawyer will then mention that paying a fee up front for Chapter 7 is your best option.

SAN DIEGO BANKRUPTCY RULES AND GUIDELINES

So, if Chapter 7 is so superior to Chapter 13, why doesn't everyone do it? The reason is, there are bankruptcy rules that must be followed. For example, if your income this year was six million dollars and for some reason you wanted to file Chapter 7 to discharge $30,000, it wouldn't work. The government would determine such a high income would give you "the means to repay your debts", and would reject your bankruptcy because of suspected fraud.

Every bankruptcy form has a purpose, and the form you fill out to determine if you qualify for Chapter 7 is downloadable on our Free Means Test page. To qualify, your goal would be to fall under a certain income threshold for families of the same size as yours in California. We have modified it using our form-based software, and it should take about five minutes to fill out.

CHULA VISTA or OCEANSIDE BANKRUPTCY LAWYER COMPARISON

The most difficult step, by far, in filing bankruptcy in California is filling out the bankruptcy paperwork. The San Diego lawyer will normally have YOU use an attorney version of bankruptcy software (they do not fill out the forms for you) to fill out the paperwork on your own, submit the completed paperwork to the lawyer, and that lawyer will submit your results directly to the San Diego court clerk.

Inexpensive options to a San Diego, Chula Vista or Oceanside bankruptcy lawyer are EITHER downloading the free government forms yourself and filling out by hand, OR using some sort of 2024 BANKRUPTCY SOFTWARE FOR CONSUMERS.

The advantage to downloading the 18 separate free forms from the government site and filling them out on your own is of course, cost (free). The disadvantage is knowing which forms to download and how to fill them out, such as spending several extra hours interpreting questions, filling out numerous duplicate cells and calculating totals on your own, or you may end up giving up.

The advantage to using EZBankruptcyForms San Diego bankruptcy software is, it will give you accurate results and save you a lot of time. The disadvantage is we charge a fee. The information on how to successfully file for bankruptcy is free. The software needed for your inexpensive bankruptcy in Oceanside starts at only $49. We feel the time saved is well worth the $49 fee.

If you follow our tutorial in the box on the right and submit your bankruptcy paperwork today, Friday, November 22, 2024, you should expect your Chapter 7 debts to be discharged within 100 days.

FILE YOUR SAN DIEGO BANKRUPTCY PAPERWORK HERE

EZBankruptcyForms California bankruptcy without a lawyer tutorial compares the value of a Discount San Diego Bankruptcy Lawyer to the use of bankruptcy software.

Now that you've completed your bankruptcy paperwork verify that this county is in your jurisdiction, then record your completed file with the bankruptcy court clerk at:

325 West F Street San Diego, CA.
Their phone number is 619-557-6920.

EZBankruptcyForms Bankruptcy software Discount Chula Vista Bankruptcy Lawyer Comparison

SAN DIEGO, CHULA VISTA or OCEANSIDE BANKRUPTCY LAWYER SUMMARY

Filing bankruptcy includes auditing your financial life for review by the Federal Government, filling out a lot of paperwork, passing two online debtor courses, and attending one or more bankruptcy meetings. In 2024 the value to hiring a San Diego, Chula Vista or Oceanside bankruptcy lawyer is general experience guiding you through the steps for a bankruptcy discharge for a fee, and that fee must be paid up front.

EZBankruptcyForms has been helping consumers file bankruptcy without a lawyer throughout California since 2010. The free EZ bankruptcy tutorial is a viable option to a San Diego, Chula Vista and Oceanside bankruptcy lawyer in 2024. Our bankruptcy software for consumers includes all the specific California bankruptcy forms you will need.

Use EZBankruptcyForms bankruptcy software to complete your bankruptcy forms inexpensively and receive a successful bankruptcy discharge for as little as $49.

EZBankruptcyForms BANKRUPTCY SOFTWARE FOR CONSUMERS IS THE LEAST EXPENSIVE ALTERNATIVE TO HIRING A DISCOUNT BANKRUPTCY LAWYER in SAN DIEGO, CHULA VISTA or OCEANSIDE in 2024.