How to File for Chapter 13 Bankruptcy Online
Chapter 13 bankruptcy is an adjustment of debts petition designed to help you catch up on debts upon which you are behind. Traditionally, filing Chapter 13 consisted of manually filing all the paperwork with the court yourself or hiring an attorney to go through the hassle for you. Now, thanks to online technology, you can file for Chapter 13 bankruptcy online with little hassle, with the assistance of an attorney.
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Instructions
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Obtain and fill out the appropriate forms for filing Chapter 13 bankruptcy (See the Resources section). Use your records for the past six months of your past due bills, tax returns, bank statements, pay stubs, mortgages and car loans to completely list every debt that you owe on your Chapter 13 bankruptcy petition; it is important to complete the petition fully and accurately.
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Present an attorney with your prepared paperwork and have him file it for you online via PACER Service Center. Be prepared to pay a filing fee and convenience charge for online filing; the fee varies depending upon which attorney's services you acquire.
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Prepare to present yourself in court when you are served a hearing date, for although you filed online, you still must present yourself in court to state your case to ensure that all parties involved have a complete understanding of the case. You may go alone or have an attorney accompany you if you wish.
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Tips & Warnings
Different courts require different documents when filing for Chapter 13 bankruptcy, so check with your court's specific requirements prior to filing.
Only an attorney has permission to electronically file a bankruptcy online, which is why you must pay an attorney to file it electronically for you.
