ONLINE BANKRUPTCY

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THE "ONLINE BANKRUPTCY FEE WAIVER" IS MUCH MORE RESTRICTIVE THAN THE QUALIFICATIONS FOR BANKRUPTCY.

ONLY THOSE FILING FOR CHAPTER 7 BANKRUPTCY CAN QUALIFY FOR A BANKRUPTCY FEE WAIVER.
CHAPER 13 FILERS CAN APPLY FOR A PAYMENT PLAN, BUT CANNOT APPLY FOR A FEE WAIVER.

BANKRUPTCY FEE WAIVER

YOU MUST FILE FOR BANKRUPTCY WITHOUT A LAWYER IN ORDER TO RECEIVE A BANKRUPTCY COURT FEE WAIVER. The "Catch-22" is that you must complete ALL your bankruptcy paperwork on your own to receive the $306 court fee waiver, but most individuals are convinced they need a lawyer to complete the paperwork accurately.

IF YOU HAVE NOT HIRED A LAWYER OR BPP, YOU STILL MUST PROVE YOU ARE INCOME QUALIFIED TO RECEIVE A BANKRUPTCY COURT FEE WAIVER
You must fall below 150% of the Health and Human Services (HHS) Poverty Guidelines in order to be income qualified for a bankruptcy fee waiver. This qualification is separate and more restrictive than the income qualification for Chapter 7 bankruptcy.

File your bankruptcy fee waiver request with your other bankruptcy paperwork as outlined in EZBankruptcyForms Chapter 7 Bankruptcy Without a Lawyer tutorial. Since you are filing the fee waiver in lieu of the $306 payment for your bankruptcy paperwork, you will not have a case number yet, and therefore it is OK to leave it blank on your paperwork.

The bankruptcy fee waiver application is supplimentary to the rest of your bankruptcy paperwork. All your other forms should contain information that verifies the income information that you have entered on your bankruptcy fee waiver application. EZBankruptcyForms bankruptcy software can help greatly with the preparation of your bankruptcy paperwork.

You will receive your “Fee Waiver” answer from the bankruptcy judge within 10 days after filing (in most states, there is a "fee waiver court date" set for the day after you file for bankruptcy). The judge can only waive the fee if your income is below 150% of the HHS Poverty Guidelines for your family size, and you can prove that you cannot afford to pay the fee in installments of 4 to 6 months. EVEN IF YOU PASS THE INCOME REQUIREMENTS, BEING APPROVED FOR THE BANKRUPTCY COURT FEE WAIVER IS SUBJECT TO THE BANKRUPTCY JUDGE (since November 1, 2011, it has become significantly harder to be approved for a fee waiver, and the judge may require supporting evidence, such as permanent disability, to approve the fee waiver). If the judge approves the waiver, then you are filing under the status in forma pauperis (Latin for “in the manner of a pauper”). If the judge denies the waiver, then you will have to make payment arrangements to pay the fee in installments. Failure to make payments in a timely manner or failing not to pay will result in the court dismissing your bankruptcy case
EZBankruptcyForms.com offers the best online bankruptcy software product at the lowest price. SIX packages to choose from, (three each for Chapter 7 and Chapter 13) starting at only $44!

INCOME LEVELS EQUALING 150% OF THE CURRENT YEARLY HHS POVERTY LEVELS, as of January 24, 2013

Household
Size
48 Contiguous
States & DC
AlaskaHawaii
1
$17,235
$21,525 $19,845
2
$23,265
$29,070 $26,775
3
$29,295
$36,615 $33,705
4
$35,325
$44,160 $40,635
5
$41,355
$51,705 $47,565
6
$47,385
$59,250 $54,495
7
$53,415
$66,795 $61,425
8
$59,445*
$74,370** $68,355***
*For family units with more than 8 members in the Contiguous US, add $6,030 for each additional member.
*For family units with more than 8 members in Alaska, add $7,545 for each additional member.
*For family units with more than 8 members in Hawaii, add $6,930 for each additional member.

WHY YOUR APPLICATION FOR A BANKRUPTCY COURT FEE WAIVER WILL BE DENIED IF YOU USE A LAWYER OR BANKRUPTCY PETITION PREPARER (BPP)
On your "Voluntary Petition"(your initial bankruptcy "application"), there is a section that requires by law a signature by anyone (lawyer or BPP) that helps you in the preparation of your paperwork.
Later, the Bankruptcy Court Fee Waiver application asks several questions about the applicant, based on need. Question 12 of the fee waiver states, "Have you paid (or promised to pay) an attorney any money for services in connection with this case, including the completion of this form, the bankruptcy petition, or schedules?" There are subsequent questions about paying someone "other than an attorney (such a BPP or parallegal)" to prepare your forms. These are '''qualifying questions''', and, if you answer "yes" to any of them, your fee waiver will be denied (the court figures if you can afford to pay $1400 to a lawyer or $300 to a petition preparer, you can afford to pay them too). If you have hired an attorney or BPP, you cannot answer "No" because they are required to put their signature all over the rest of your forms.

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FORMAT: PDF
SIZE: UNDER 2MB
AUTO-FILL: YES
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COURT APPROVED!
VALID:ALL STATES


CHAPTER 7

Basic $44
Up to 52 Creditors

Extended $47.50
Up to 82 Creditors

ULTRA $54.95
Up to 82 Creditors
INCLUDES Legal eBook



CHAPTER 13
online-bankruptcy
13-Basic $44
Up to 52 Creditors

13-Extended $47.50
Up to 82 Creditors

13-ULTRA $54.95
Up to 82 Creditors
INCLUDES Legal eBook



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