THE BENEFITS TO YOU WHEN WE PREPARE A BANKRUPTCY:

Bankruptcy Documents we prepare are all accepted in every
bankruptcy court in every state. They are exactly the same as the
federally mandated forms and therefore by law, they cannot and will
not be rejected by any court.

We have more than three (3) decades of experience in preparing
bankruptcy court documents.  We prepare your documents in
accordance with the new October 2005 Bankruptcy Regulations.  We
guarantee our work to be error free or you get your money back.

Bankruptcy is better for your credit and financial health than credit
counseling. Do not fall for the debt consolidation game.  Debt
consolidation will ruin your credit and make your situation only
worse.  

Enjoy the peace of mind of having it all done for you. Preparing
bankruptcy documents (60 pages or more) is not easy if it is your first
time. About half-way through, you’ll realize that the documents are
more complicated to prepare than you thought.  That’s when you will
wish you had called us, and had it done professionally.

We prepare the same Chapter 7 bankruptcy documents that you will
pay an attorney $1500 to prepare.  The US Bankruptcy Court requires
Bankruptcy Petition Preparer to give a cost-savings to Chapter 7 filers.  
Hence, why we prepare your documents as any lawyer would, but for
$200.  You choose.

We are your best option in preparing a Chapter 7 bankruptcy.  We
prepare your bankruptcy quickly, with high quality, conveniently and it
works every single time.  You simply give us your bills, kick back and
relax while we do all the work for you.  On the other hand, you can
not do something about the creditors’ calls, or the garnishment, or the
repossession until the condition becomes unbearable.  You deserve a
fresh start.  Don’t procrastinate, but get the relief that Federal Law
mandates you’re entitled to.

What are the different "chapters" in bankruptcy?
From the U. S. Bankruptcy Court:  http://www.caeb.uscourts.
gov/faq/faq.asp#6

"Chapter 7
Chapter 7 is the liquidation chapter of the Bankruptcy Code. Chapter 7
cases are commonly referred to as "straight bankruptcy" or
"liquidation" cases, and may be filed by an individual, corporation, or
a partnership. Under chapter 7, a trustee is appointed to collect and sell
all property that is not exempt and to use any proceeds to pay creditors.
In the case of an individual, the debtor is allowed to claim certain
property exempt.(1) In exchange for this, the debtor gets a discharge,
which means that the debtor does not have to pay certain types of
debts. (2) Corporations and partnerships do not receive discharges.
Consequently, any individuals legally liable for the partnership's or
corporation's debts will remain liable. Therefore, individual
bankruptcies may be required as well as the corporation or partnership
bankruptcy.

Chapter 13
Chapter 13 is the debt repayment chapter for individuals with regular
income whose debts do not exceed $1,347,550 ($336,900 in unsecured
debts and $1,010,650 in secured debts), including individuals who
operate businesses as sole proprietorships. It is not available to
corporations or partnerships. Chapter 13 generally permits individuals
to keep their property by repaying creditors out of their future income.
Each chapter 13 debtor proposes a repayment plan which must be
approved by the court. The amounts set forth in the plan must be paid
to the chapter 13 trustee who distributes the funds for a percentage fee.
Many debts that cannot be discharged can still be paid over time in a
chapter 13 plan. After completion of payments under the plan, chapter
13 debtors receive a discharge of most debts.

What are the recent changes to the bankruptcy law?

The Bankruptcy Abuse Prevention and Consumer Protection Act of
2005 made significant changes to the Bankruptcy Code which affect all
debtors filing cases on or after October 17, 2005. Here are some of the
major changes:

•        Waiting periods if previous filing: A debtor who has previously
filed a bankruptcy and obtained a discharge, may not receive another
discharge unless there has been sufficient time between the two cases.
There is an 8 year period [calculated from the filing date of the first
case and the filing date of the second case] for persons who have
received a discharge in a chapter 7 or 11 case and wish to file another
chapter 7 case, and 6 years if the first case was a chapter 13. To
receive a chapter 13 discharge, the period is 4 years if the first case was
a chapter 7 or 11 case, and 2 years if the first case was a chapter 13.

Mandatory Pre-Bankruptcy Credit Counseling:
All individual debtors who file bankruptcy on or after October 17,
2005, must undergo credit counseling from an approved counseling
agency within 180 days Before filing for bankruptcy.

FREE Website for Mandatory Pre-Bankruptcy Credit Counseling:
http://www.consumerbankruptcycounseling.info/cbcp/start.html

Mandatory Debtor Education Course After Filing:
Individual debtors filing under chapters 7 and 13 must complete a
personal financial management (or debtor education) course before
they will be granted a discharge. This debtor education course is
separate from and required in addition to, pre-bankruptcy credit
counseling. To comply with the debtor education requirement, the
course must be completed after the filing of the petition.

Website for Mandatory Debtor Education After Filing your Petition:
http://www.postbankruptcy.org.  (This Debtor education is free to those
persons that are below the poverty level.  See Chart to determine if you
are eligible for a free counseling.
WHERE TO FILE YOUR BANKRUPTCY BASED ON ZIP CODE OR CITY
NAME.

http://www.cacb.uscourts.gov/cacb/zipsearch.
nsf/2e81e0ede00dbdfe8825642700675f28/63f9b40f4597c6808825644500826ec
8?opendocument

How do I know if a debt is secured, unsecured, priority or administrative so I
can fill out my schedules correctly?

A.    Secured Debt
A secured debt is a debt that is backed by property. A creditor whose debt is
"secured" has a right to take property to satisfy a "secured debt." For
example, most homes are burdened by a "secured debt." This means that the
lender has the right to take the home if the borrower fails to make payments
on the loan. Most people who buy new cars give the lender a "security
interest" in the car. This means that the debt is a "secured debt" and that
the lender can take the car if the borrower fails to make payments on the car
loan.

B.    Unsecured Debt
A debt is unsecured if you have simply promised to pay someone a sum of
money at a particular time, and you have not pledged any real or personal
property to collateralize that debt. A debt is unsecured if you have simply
promised to pay someone a sum of money at a particular time, and you have
not pledged any real or personal property to collateralize that debt.

C.    Priority Debt
A priority debt is a debt entitled to priority in payment, ahead of most other
debts, in a bankruptcy case. A listing of priority debts is given, in general
terms, in 11 U.S.C. § 507 of the Bankruptcy Code. Examples of priority
debts are some taxes, wage claims of employees, debts related to goods and
services provided to a debtor's estate during the pendency of a bankruptcy
case, and alimony, maintenance or support of a spouse, former spouse, or
child. If you have questions deciding which of your debts are entitled to
priority status, you should consult an attorney.

D.    Administrative Debt
An administrative debt is also a priority debt and is one created when
someone provides goods or services to your bankruptcy estate. The best
example of an administrative debt is the fee generated by an attorney or
other authorized professional in representing the bankruptcy estate.

E.    Consumer Debt
Consumer debt is either secured or unsecured debt incurred by an individual
primarily for a personal, family or household purpose. The mortgage on
your personal residence is considered consumer debt, however income taxes
are not. Debts which are incurred in pursuit of a business would also not be
consumer debt.

What are Exemptions?

11 U.S.C. § 522(b) allows an individual debtor to exempt real, personal, or
intangible property from the property of the estate. Exempt assets are
protected by state law from distribution to your creditors. Typically, exempt
assets include some jewelry, vehicles up to a certain dollar amount, the
equity in your home up to a certain amount, and tools of the trade.

Under bankruptcy law, you are entitled to list the assets set forth in section
703 or section 704 of the California Code of Civil Procedure as exempt.
Exemptions are claimed on Schedule C. As with all schedules, it is important
to fully complete and provide all the information requested. If no one objects
to the exemptions you have listed within the time frame specified by the
bankruptcy court, these assets will not be a part of your bankruptcy estate
and will not be used to pay creditors through your bankruptcy case.

Deciding which assets are exempt and how and if you can protect these
assets from your creditors can be one of the more important and difficult
aspects of your bankruptcy case. It is extremely important to consult an
attorney if you have any questions regarding the issue of exempt assets.

What is a discharge?

The discharge order is issued by the court and permanently prohibits
creditors from taking action to collect DISCHARGEABLE debts against the
debtor personally; this does not prevent secured creditors from seizing
collateral if payments are not kept up, or other creditors from pursuing
property of the estate. Some debts are not dischargeable, and others may be
found to be non-dischargeable depending on particular circumstances.

In a chapter 7 case, the bankruptcy court will order that the debtor be
discharged of all dischargeable debts once the time for filing complaints
objecting to discharge has expired unless:

What debts are dischargeable?

In an individual debtor's case, all debts are dischargeable except for those
listed in 11 U.S.C. § 523. In a chapter 13 case, even more debts may be
discharged if the debtor obtains a discharge under 11 U.S.C. § 1328(a). The
non-dischargeable debts listed in § 523 include:

Certain taxes and fines;

Debts created through fraudulent conduct or by providing false information
to a creditor;

Debts not listed in your bankruptcy petition;

Alimony, child maintenance or support, and certain debts arising out of a
divorce decree or separation agreement;

Debts from willful and malicious injury to another;
Government guaranteed student loans;

Debts caused by the death or a personal injury related to the operation of a
motor vehicle while you were intoxicated; and

Post bankruptcy condominium or cooperative owners' association fees.

This list includes many examples of non-dischargeable debts but you should
review 11 U.S.C. § 523 for a complete list.

Some debts listed in 11 U.S.C. § 523, such as those based on fraudulent
conduct, embezzlement or willful and malicious injury to another, are
discharged unless a complaint to deny discharge of that debt is timely filed
with the bankruptcy court. Ordinarily, these complaints must be filed within
sixty (60) days of the first date set for the meeting of creditors.

Additionally, certain debts that were not listed on your bankruptcy schedules
or that were incurred after you filed bankruptcy are generally not discharged.

With limited exceptions, all documents filed in a bankruptcy case are
available over the Internet through the Court's Public Access to Court
Electronic Records (or PACER) system. To address the privacy concerns
resulting from public access to electronic case files, Federal Rule of
Bankruptcy Procedure 9037 requires that certain personal identification
information be ‘redacted' from documents filed with the court. Filings that
contain an individual's social security numbers, tax payer identification
number or birth date, the name of a minor, or a financial account number
may include only:

The last four digits of the social security number and tax identification
number;
The year of the individual's birth;
The minor's initials; and
The last four digits of the financial account number.

The responsibility to redact filings rests solely with the party or nonparty
making the filing. Consequently, documents are not reviewed by the Clerk's
Office for compliance with Rule 9037. You (5) must redact and disclose
personal identification information in the forms and papers filed by you as
follows:

Redact social security numbers and taxpayer identification numbers and
include the last four digits only in your petition and other pleadings. BUT,
include complete social security numbers and taxpayer identification
numbers on Form B21, Statement of Social Security Number(s).

Redact dates of birth by using the year of birth only.

Redact the names of individuals, other than the debtor, known to be and
identified as minors. Use the minors' initials only.

Redact and include only the last four digits of financial account numbers.
However, to assist the trustee and creditors, you may include complete
account numbers on Schedules D, E, and F, of Form B6, Schedules, rather
than limit the numbers to the final four digits.

Sign each form where required. If filing a joint case, make sure that your
spouse signs, too."

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What We Do To Help You And Who To Call !

.   Why You Need The Professional Bankruptcy Services of Tehachapi
Court Services, when you want a "fresh start".    

•        We guarantee your paperwork will be filed with the U.S. Bankruptcy
Court correctly, or your money will be refunded.