without a lawyer
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File chapter 7 or 13 bankruptcy online. No attorney required,
but available if you need consultation!
You can file Chapter 7 or 13 the easy and affordable way
We offer an affordable way to file bankruptcy online without a lawyer. Our paralegals prepare all the forms you need for Chapter 7 or Chapter 13. This option works great for simple cases that don’t require court representation.
Need help choosing the right chapter or want legal advice before filing? You can schedule a consultation with our bankruptcy attorney anytime.
Filing bankruptcy online is easy with us!
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with a bankruptcy attorney.
Flexible filing options for every budget and situation
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- Free guidance call before you start.
- Complete bankruptcy form preparation.
- Step-by-step filing instructions (online or in court).
- Ongoing support until court approval.
- Personal consultation with a bankruptcy attorney.
- In-depth analysis and recommendations for Chapter 7/13.
- All forms prepared by an experienced paralegal.
- Filing instructions and ongoing support through the process.
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Frequently asked questions
What’s the difference between Chapter 7 and Chapter 13 bankruptcy?
If you’re considering filing a low cost bankruptcy, you’ve probably seen both terms — file Chapter 7 and file Chapter 13 — and wondered what they mean.
Chapter 7 is the most common way to eliminate debt. It’s typically best for people with low income, little to no property, and no ability to repay creditors. Once your Chapter 7 is approved, most debts are wiped out completely.
Chapter 13, on the other hand, is more of a repayment plan. It allows you to keep your assets (like your house or car) while paying back part of your debt over 3–5 years. It’s a good choice if you have steady income and want to avoid foreclosure or repossession.
How do I know which chapter is right for me?
The right choice depends on your financial situation — your income, debt, assets, and goals. If you're living paycheck to paycheck and don’t own much, filing Chapter 7 online is likely the better option.
But if you have a stable income and want to protect your home or car, filing Chapter 13 might be a smarter move. To be sure, we recommend talking to our attorney — this bankruptcy consultation is included in our advanced package.
Can I file bankruptcy without a lawyer?
Yes, absolutely. You can file bankruptcy without a lawyer, and it’s a smart option for many people with simple cases. We’ll help you prepare a full set of forms for Chapter 7 or Chapter 13 — quickly, correctly, and ready for court submission.
Our team walks you through the process step by step. If you’re searching for how much does it cost to file Chapter 7, our form preparation service starts at just $500.
Is the attorney consultation included in the basic package?
No — the basic package is designed for straightforward cases and includes everything you need to file bankruptcy online without legal representation.
If you want legal advice or need help choosing the right chapter, our premium plan includes a full consultation with a licensed bankruptcy attorney and complete form prep by our experienced paralegal.
How long does the bankruptcy process take?
Most of our clients get their completed documents within 1–2 business days. After filing, Chapter 7 typically takes 3 to 5 months to complete. If you're filing under Chapter 13, the court will approve a repayment plan that usually lasts 3 to 5 years.
We stay in touch with you throughout the process — from filing your low cost bankruptcy to getting the court’s decision.
