Bankruptcy USA

==== ====1 weird trick I used to avoid bankruptcy mn.http://tinyurl.com/Bankruptcy13==== ====Bankruptcy: costs of filing bankruptcy with attorney, versus cost of filing using Bankruptcy PetitionPreparer.Under the current U.S. Bankruptcy Code or law, the system provides essentially TWO basiccategories of outside assistance that a debtor filing for bankruptcy may use - assistance providedby an attorney, and assistance provided by a non-lawyer. And both of these parties come underwhat is called "Debt Relief Agents or Agencies." Basically, the non-attorney assistance provider,who also goes by a name such as Bankruptcy Petition Preparer (BPP), preparers the documentsupon which bankruptcy is filed with the Court for bankruptcy processing, while the attorney (or,more accurately, the help he hires that does such work) prepares the same set of documents,EXCEPT that the lawyer assistance-provider can supposedly give a debtor "legal advice," and canappear, on the debtors behalf, in the administrative hearing on the bankruptcy case administeredby the Court "Trustee" (who is not a Judge, but a court-appointed administrator) that will overseethe bankruptcy case.Alright, How Do the Services and Fees Compare, Between the Bankruptcy Attorney and those ofthe Full Service bankruptcy petition preparer?But what are the Costs of filing Bankruptcy using Bankruptcy attorney? Can debtors affordbankruptcy without lawyers? And, is there really any real, tangible, legitimate difference for theDEBTOR, both qualitatively and nominally, between the Full Service bankruptcy assistance thatonline-based non-attorney BPP agencies provide debtors, and that which is provided by onlinebankruptcy attorneys to debtors?One view of it, popular in certain quarters among non-attorney online providers of bankruptcy filingassistance, is simply that there is "no difference," or "little to none," in terms of the actual orqualitative value of their work products for the debtor. The principal argument is that for each side,the actual, principal work that each side does or turns up for the debtor - the relatively simple buttime-consuming, paperwork required to be prepared for the debtors use in filing for bankruptcy - ismore or less basically the same content and quality for the non-lawyer prepared document, as it isfor the lawyer prepared. In each case, the argument goes, the same set of documents are turnedup by people who are seemingly experienced and trained or skilled in document preparation, and,in deed, in many real instances, are one and the same paralegals who work, or might havepreviously worked, for the bankruptcy lawyers office or the non-lawyer document preparerscompany. Or for both.But, in any event, in the final analysis, the finished bankruptcy documents that both sides, thelawyer as well as the non-lawyer, provide the debtor, are generally the same and of the samequality. The Bankruptcy Courts generally accept them, process them, and act on them, just the

same! In deed, it is a specific provision in the Bankruptcy Code that authorizes and sanctions thatsuch persons may prepare such documents, and not just lawyers!The Prices the non-attorney helper charges and what the attorney charges for Bankruptcy workTo a hard pressed and destitute debtor, the vexing, bothersome issue, is what justification, then, isthere for the great disparity that exists in the prices the bankruptcy lawyers charge for bankruptcywork, relative to what the non-attorney bankruptcy document preparers charge for turning upessentially the same work for the debtor? Bankruptcy lawyers would, of course, advance all sortsof convoluted arguments and conceive all kinds of fancy justifications in defense of their extremelyhigher and disproportionate charges. That aspect, however, is a matter for another place andanother day for us.But is it a matter of no bankruptcy attorney, and cheap, low-low cost bankruptcy? For the benefitand information of debtors contemplating bankruptcy, just so youll at least have an idea, here arethe differences in prices between what the non-lawyer assistance-provider charges, and what theattorney assistance-provider charges.NON-ATTORNEY BANKRUPTCY HELPERS SERVICES & PRICESService: In full Service bankruptcy work, the service of the non-lawyer debt relief agent or agencybasically involves their staff gathering the various documents and required tons of papers andinformation together, and orderly arranging them and preparing all the legal forms and paperworkrequired by the debtor to file for bankruptcy with the bankruptcy court. For the better ones amongthem (they are not at all equal, some are far better than others, and quite a number of them arejust about worthless!), these agencies use workers who are often highly trained and experiencedparalegals (they average several years of work and/or training in the industry), and who are skilledat the preparation of legal documents and bankruptcy papers, and are often well versed andknowledgeable in bankruptcy filing law and procedures. With the Full Service bankruptcy petitionpreparers (at least those of them who are of the reputable and better categories), the debtor tendsgenerally to get a better service and greater attention, and more one-on-one interaction for his orher case, along with the obvious far lower prices.The Charges. There is usually a ONE-Time PAYMENT ONLY amount. One of such agencyscharge, for example, is $239 for a Chapter 7 bankruptcy; and $359 for Chapter 13. The pricecharged by these agencies tend strictly to follow an honest, upfront pricing thats based ONLY on"per project," rather than on "per hour." (Thats in contrast to the attorneys charges, which arefrequently based on "per hour" hourly rate).This means that, once a reputable Bankruptcy Petition Preparer (BPP) takes any case from adebtor, you pay the BPP Agency, assuming its, say, a Chapter 7 case, just $239, and NOT apenny more on it, ever - no matter how many creditors you have (whether theyre 10 or 20, or200), or you happen to start out with 10 creditors, but turn up 100 or 200 more later. Or, you haveto file some additional papers to get some of your secured debts "affirmed" so you can keep, say,your car, etc. YOU JUST PAY THEM NOT ONE PENNY MORE. PERIOD! Thus, for most debtors,bankruptcy with no bankruptcy attorney assistance, offers the debtor low-low affordable costs andrates and is the only way to go.

The Time line. For the credible BPP, it takes an average of roughly one to two days to crank outthe prepared, almost completed package of bankruptcy documents for, say, a Chapter 7 casefiling (in a case, that is, where the debtor has hastened and substantially provides them therequired financial information and documents necessary to do the papers). As a matter of policy,however, the BPP will hold off furnishing the papers to the debtor right away just so that thefinishing touches, corrections and proper checking can be made before the debtor gets them.Bankruptcy, file with no bankruptcy attorney?THE BANKRUPTCY ATTORNEYS SERVICES & PRICESService: What the bankruptcy lawyer (that is, the one who is competent and knowledgeable inbankruptcy, as not all attorneys are so equipped) does, is essentially akin to the Full Servicebankruptcy type of work that the non-lawyer assistance-provider provides. Here, this involves thelawyer - or, more accurately, a staff of paralegals the he or she might have hired to actually do thework - gathering the various documents and required tons of documents and information together,and orderly arranging them, and preparing all the legal forms and paperwork required to file for thedebtors bankruptcy with the bankruptcy court. As with the case of the non-attorney Full Servicepaper preparation providers, these workers who directly do the papers (the ones who are thepersons that actually do the work in the lawyers the lawyers), are often highly trained andexperienced paralegals (average several years of work and/or training in the industry) who areskilled at preparation of legal documents and bankruptcy papers, and often, well versed inbankruptcy filing law and procedures.Furthermore, in terms of quality of service, with the lawyers, within the ranks of the lawyers who dobankruptcy work in the current times, those who file the bulk of the bankruptcy cases seem to bewhat one practicing bankruptcy lawyer, Jonathan Ginsburg, the Atlanta Georgia, calls "highvolume filers." These lawyers file 100 to 500 or more bankruptcy cases per month, using largelyparalegals and some younger lawyers to do the paperwork, and for one thing, such high volumefilers have a reputation for not offering much in the way of personal attention, but chargesomewhat smaller fees relative to the "boutique" bankruptcy lawyers (those who file more limitednumber of cases) - a "smaller" amount of fees which Attorney Ginsburg admits, however, often still"appear to be too expensive" for some people "even [with] the lower fees and generous terms"that such volume filers think their charges represent.Lawyers Charges: For Chapter 7, theres the "initial" charge of $2,000 - 2,500; and for Chapter 13,the "initial" charge of $4,000 - $4,500. Unlike the BPPs prices which strictly follow an honest,upfront pricing thats based ONLY on one-time-only "per project" basis, the attorneys charges arefrequently based on "per hour" hourly rate. (For example, the attorneys "per hour" hourly ratecharge, was given as $228 (per hour) for their services in 2002, according to a respectedindependent research study, the 2002 Survey of Law Firm Economics, made by Altman WeilPensa Publication).Further more, as a rule, the lawyers fees for bankruptcy (the same, as well, in other issues) varyfrom lawyer to lawyer, and from one location to another location, even from a lawyer in one blockto another lawyer just in the next block. The original charge (its usually referred to as the "initial"charge) youre quoted by the lawyer, is often only for the run-of-the-mill, routine kind of case - thesimplest, most ordinary kind of bankruptcy there is. So, if it turns out that you have, say, morecreditors than the "average" (say, above 15 or so, depending on which lawyer or what part of the

country), it will mean additional charge slapped onto your "initial" quoted charge. And, it can costeven more if its a "complicated" case in the lawyers opinion.And further, God-forbid if theres "litigation" or some creditor challenge to a debt, that meansadditional cost for you, a BIG one. If you are in a high-priced urban area, that alone will almostcertainly guarantee more cost for you in filing for bankruptcy. Also, your lawyer will generally wanthis payment made IN FULL and upfront before hell represent you, especially if its a Chapter 7case.The Time line. Lawyers generally take an average of 2 to 3 weeks (if not more) to do thebankruptcy paper work for Chapter 7.BOTTOM LINE:In sum, for you as a debtor, what you should know is that bankruptcy lawyers generally make theallowance for themselves so theyd be able and in a position, after the "initial" fee shall have beenpaid them, to tack on additional fees beyond the "initial" fees you are quoted when you first signedon. The fee you are quoted by a lawyer in a bankruptcy case (even if you view it as excessive,already), may not be - and is often not - the final charge; you may still have to pay more. Andprobably will, generally!Not so, though, with the non-lawyer bankruptcy assistance provider. Here, in contrast, that samevery EXACT amount youre quoted on day one, is the final and ONLY charge youll get, almostalways, from them on the case - ever! PERIOD! The motto seems to be, no bankruptcy attorney &cheap, low-low cost bankruptcy!Do you do your bankruptcy filing using the no attorney bankruptcy assistance, or the attorney?.What do you think?FURTHER INFORMATIONFor more on the details of the fundamental differences between the bankruptcy lawyersdifferential services, costs and benefits to the debtor, as compared to those provided the debtor bythe non-lawyer helpers services, or to find out how you or any others may use the services of oneof the major non-attorney Debt Relief Agencies in the field of bankruptcy filing to file for your ownbankruptcy, please visit this website: http://WWW.Afford-Bankruptcy.ComBenjamin Anosike, Ph.D., has been dubbed by experts and reviewers of his many books, manualsand body of work, which dwell largely on self-help law issues, as "the man who almost literallywrote the book on the use of self-help law methods" by Americas consumers in doing their ownroutine legal chores - in uncontested divorce, will-making, simple probate, settlement of a deadpersons estate, simple no-asset bankruptcy, etc.A pioneer and intellectual and moral leader of the 1970s-based "you do your own law" movementand a lifelong vehement advocate and veteran of historical battles for the right of the Americanconsumers to perform their own tasks in the area of routine legal matters, Anosike was one of thepioneers who fought and survived (along with many others of courage) the lawyers and organized

bars stiff war of the 1970s and 80s against American consumers and entrepreneurs who merelysought, then, to use, write, distribute or sell law-related self-help books and kits for non-lawyers todo their own law, upon the lawyers claim then that such was purportedly "unauthorized practice oflaw" or "practicing law without a license."Anosike holds graduate degrees in labor economics and management and a Ph.D. injurisprudence. Once characterized by a review of the American Library Associations BooklistJournal as "probably the most prolific author in the field of legal self-help today," Dr Anosike is theauthor of over 26 books and manuals (and countless number of articles) on various topics ofAmerican law, including 4 volumes on personal and business bankruptcy filing, in a lifetime ofdedication. For more on the subject matter discussed in this article, or on how to get a low-cost,affordable bankruptcy filing, or the authors other books and manuals, visit this site:[http://www.Afford-Bankruptcy.Com]Article Source:http://EzineArticles.com/?expert=Benjamin_Anosike,_PhD==== ====1 weird trick I used to avoid bankruptcy mn.http://tinyurl.com/Bankruptcy13==== ====

Bankruptcy USA

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