Free Bankruptcy Forms Online

On this page you will find links to free bankruptcy forms that are court approved for all states. You can access these forms right away free of charge.

Almost 2 million people and over 50,000 businesses file bankruptcy each year.

Many of these people file their own bankruptcy with the free bankruptcy forms provided by the court in their area.

Even though there are plenty of businesses who sell bankruptcy forms, it seems smarter, cheaper, and more efficient to use the court approved forms that you can download from the district court in your area.

After all, you can feel confident knowing that when filled out they will be accepted by the court in your state.

You can download the free bankruptcy forms for all states now.

 

 

Chapter 7 Bankruptcy Forms

Chapter 7 bankruptcy forms are used for those people who do not plan on repaying their debts, basically total liquidation. The main purpose is to give a person a fresh start with their finances. However the bankruptcy trustee in charge of your case will collect and sell any non-exempt property.

The money from any non-exempt property will be used to give to any creditors who have a claim against such property.  Exempt property may vary somewhat from state to state because of a provision in the Chapter 7 bankruptcy code that enables each state to use its own exemption law. Any property that has a lien against will not be discharged; the individual will still be responsible for paying of the amount of the lien.

A person may not use chapter 7 bankruptcy forms to file unless they have received credit counseling inside180 days prior to filing from one of the accepted credit counseling agencies. Any debt arrangement plan that was put together during the counseling should be filed with the bankruptcy court.

This type of bankruptcy starts with you filing a petition through your local district court. After which you will be required to provide a schedule of your income and expenses, statement of assets and liabilities, recent tax returns, and a couple other misc. documents. There will also be a fee you will have to pay for filing the documents with the court. If your income level is low enough the court may waive the filing fees.

You can download the free chapter 7 bankruptcy forms for all states immediately.

 

Chapter 13 Bankruptcy Forms

Chapter 13 bankruptcy forms are used by those people with normal income to develop a program to repay all or part of the money they owe. Using this plan those owing money propose a repayment arrangement to make payments to their creditors from 3 to 5 years. In certain situations the court can approve a payment schedule longer. By using chapter 13 bankruptcy forms it enables a person to reorganize secured debts (excluding a home mortgage) and lengthen them as long as the plan is in place.

The bankruptcy plan is similar to a consolidation loan where the person makes payments to a trustee, the trustee then distributes the money to creditors.

During this repayment period creditors cannot pursue collection of any money owed. One of the big advantages of filing chapter 13 bankruptcy forms is a homeowner may save their home from foreclosure by stopping any current foreclosure actions against their home.

However, the homeowner must continue to make their home mortgage payment while they are on the chapter 13 bankruptcy program.

The following links will let you access free bankruptcy forms for your state:

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Washington D.C.

For detailed information about the free chapter 7 bankruptcy forms, chapter 13 bankruptcy forms and the requirements visit:

http://www.uscourts.gov/bankruptcycourts/bankruptcybasics/process.html