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Online bankruptcy filing is only available for bankruptcy attorneys. While you can download bankruptcy forms, use online software to help you fill out those forms or hire a lawyer to fill out your bankruptcy forms online – you cannot actually file your paperwork with the court online.

Each court requires a different amount of copies to be filed in addition to your petition and each court has different rules for the creditor matrix as well.

Do It Yourself – You can choose to complete your bankruptcy petition yourself, you will need to research and find the information applicable to your state and to the local courthouse you are zoned for. In addition you will need to acquire a list of exemptions for your state to use to protect your property.

Representing yourself at the 341 hearing is also your responsibility if you prepare your own bankruptcy forms. This is obviously the cheapest method, but it also leaves the most room for errors and confusion.

Hire An Attorney – Hiring a bankruptcy attorney is also an option, they will look over your assets, debts and income, inform you which chapter of bankruptcy fits your situation, after gathering your information they will fill out the bankruptcy petition and file it at the courthouse.

Your bankruptcy lawyer will represent you at the 341 meeting as well. While this method requires the least amount of work and aggravation on your part, but the trade off is that the cost is much higher.