We will pay for you TO PASS the bankruptcy means test!

And then we will pay you FOR PASSING the means test!

Crazy Right? We will explain.

 

But First...

Watch out for the bankruptcy software blind spot

Question: Why is bankruptcy software a trick? What is so bad about using bankruptcy software to prepare my bankruptcy?

Answer: Because it is a do-it-alone bankruptcy filing!

You have never filed bankruptcy so don't you need all the help you can get? You are not a kid...you know what software is. It is just a tool no different than owning a wrench or screwdriver. Just because you own a screwdriver does not make you a trained mechanic. The same applies to filing bankruptcy. Just because you downloaded bankruptcy software does not make you an experienced bankruptcy expert.

 

Watch out for the free bankruptcy forms mistake

Question: Why can't I save money by downloading free bankruptcy forms from the court?

Answer: Because your bankruptcy is too important to mess up!

You can download free bankruptcy from just about any bankruptcy court web site but that does not mean that you are going to beat the credit card companies at their game. If you have not heard, they wrote the new bankruptcy law and they peppered it with spikes to defeat your bankruptcy filing. If you use bankruptcy forms, you are going it alone with absolutely no idea what traps they have set for you. It is like taking a mid-term exam with a chip on your shoulder, thinking that you aced it, only to find out that you got most of the answers wrong. Yes, you can use free bankruptcy forms but they will not make you an expert. If you mess it up and the bankruptcy court throws it out, they may impose the standard 6-month bar against your filing again. You saved a few dollars but see what it got you.

 

Watch out for the "download software" security risk

Question: What risk is there in downloading and installing a good bankruptcy software to my hard drive?

Answer: Where have you been for the last 10 years? Have you heard of spyware, viruses, backdoors to your computer created by programmers? What about other programs on your computer failing to run right after using some no-name software?

The single biggest problem with the internet is control, shadowy unseen people trying to control your computer from halfway around the world. You do not even have to go to Russia or China to find those willing to hack your computer. Just install a free computer game off the internet and see how many doors you have opened to local vandals to quietly control your computer from the background. The software may be free but they can use it to steal and sell your banking information or they can use your computer quietly to send millions of spam emails all over the place. One way or the other they get paid. The rule of thumb is that if the software maker is not a well known name such as Microsoft, TurboTax, Apple or a Fortune 500 company, all bets are off. Avoid anything that you have to download and install on your computer.

Here is The Smart Way...

Shield yourself from the risk

It is not rocket science. It is just common sense. If it says "bankruptcy software" or if it says "download", then just say No!

A guy went to the doctor and said, "doctor, each time I bang my head on the wall I get a headache. What should I do?" The doctor said, "try not banging your head on the wall and come back next week for a follow-up." If you are old enough, you have had your share of computer software problems. Your computer was working fine until you installed a lot of junk. Solution? Don't install junk. How about this. "I never used to worry about computer viruses until I started downloading stuff off the internet." Solution? Do not download bankruptcy software off the internet.

Trust your instincts, play it safe

You will be surprised how good your instincts are. Trust them this time. You are tempted to save a dollar by using free forms but your instincts say, "get help." You would be smart to listen.

There is a reason why some things are free. Because they are not worth paying for! Your bankruptcy filing is worth paying for. Handle your bankruptcy filing the right way and the great burden of debt that will be lifted off your shoulders will make the cost of getting experienced help worth it. Screw it up with do-it-alone bankruptcy forms or software and you will need an expensive lawyer and more than $2,500 to fix it, that is, if it can be fixed.

Hire experience for peanuts

You should hire a Full-Service company or attorney that has prepared thousands of bankruptcies for many years. If money is not a problem, hire an experienced bankruptcy attorney. If you want the same quality bankruptcy documents as an attorney but do not want to pay too much, hire a Full-Service company.

At first glance one might think that hiring an attorney is the way to go until you learn that the average attorney has prepared less than two bankruptcies in their life time. The really experienced ones have prepared only a few dozen, and mostly business bankruptcies. They make a killing in legal fees so naturally thy cannot do volume.

A very select few Full-Service bankruptcy companies have prepared 5,000,  20,000 or even 30,000 bankruptcy cases. We are one of those select few. We have prepared well over 20,000 bankruptcy filings over the internet, not to mention many more before the internet was created. Over the last 20 years, some of our staff have prepared bankruptcies for attorneys and even trained a few of them on bankruptcy law. That does not make us attorneys, but it does mean that we have the experience to prepare your bankruptcy.

Oh Yeah! You are supposed to take a means test to qualify for a discharge.

How would you like for us to pay for you to take the means test?

And then pay you again after you pass the bankruptcy means test?

We have a special means test offer on this site. Do not forget to look it up.

Now that you know to have your bankruptcy prepared by an experienced Full-Service bankruptcy company, let us show you why you should hire us instead of the other companies.

Here is how it works,

• You give us your information online on a plain web page. There is no software to download and nothing to install.
• We prepare your documents the same day, usually in a few hours.
• We return them to you by email or directly in your web browser.
• You print them on your printer or save them to disk for later printing.
• You turn them in to the court for filing.
• Before and after filing we answer all your questions and show you the way.

  No Software      No Forms      No Kits

Always Up-to-date

Our documents are prepared under the new bankruptcy laws and includes everything you need to pass the means test.

Our documents are valid nationwide and we guarantee that they will be accepted for filing or your full money back.

Forget about bankruptcy kits and forms. Forget about bankruptcy software. There is no need to fuss with typing forms, reading bankruptcy books or downloading bankruptcy software. Submit your bankruptcy information to us and get the finished documents in hours. Why knock yourself out trying to do it yourself?

If you use bankruptcy kits or software, whether you know it or not, you are really doing it yourself. The kit or software is not going to look out for your good and it has no experience that you can draw from. It cannot think on its feet as a person can and if there are errors in your documents, kits and software will not know it.

And yes, we give you a money-back guarantee on our bankruptcy documents.

You cannot afford to be stuck with a bunch of forms or be wondering why you cannot seem to meet the new means test requirement.

While other companies do a little bit of everything, we prepare only bankruptcy documents. We have prepared numerous bankruptcies and know what it takes to make yours exactly the way the court wants it.

"We were very nervous when we went to file the papers but we didn't have any problems and the filing clerk was very courteous. They accepted the documents, no problem, and commented on the professionalism and were amazed that I had done them without an attorney, even said I should be working there with them, I could hardly believe it went so smoothly." - LA, Ca

You have probably never gone through bankruptcy so how do you know what they are really looking for?

We go through the bankruptcy process with every bankruptcy we prepare and that adds up to untold years of experience which you can have working for you.

For example, how do you know when it is okay to spend far more than you make and when it is not okay? Bankruptcy kits and software are not going to know that.

Using bankruptcy software or kits may save you a few cents here and there but they do not compare to having a living, thinking person preparing the documents.

What exactly are we going to do for you? Just about everything.

• We will prepare all of the official federal bankruptcy forms required nationwide. They are:
  
  • The Voluntary Petition
  • Schedule A - Real Property
  • Schedule B - Personal Property
  • Schedule C - Property Claimed Exempt
  • Schedule D - Secured Creditors
  • Schedule E - Unsecured, Priority Creditors
  • Schedule F - Unsecured, Non-Priority Creditors
  • Schedule G - Executory Contracts and Unexpired Leases
  • Schedule H - CoDebtors
  • Schedule I - Current Income
  • Schedule J - Current Expenditures
  • Summary of Schedules
  • Statement of Intention
  • Statement of Financial Affairs
  • The Means Test Documents
  • Court Filing fee Waiver
  • Creditor Matrix - Standard columnar format
  • Creditor matrix - Formatted for Computer diskette
  • Verification of Creditor Matrix
  • Where applicable, we include various local forms for free
     
• We will give you the opportunity to add your information at your own pace, so you can take a few days to give us the information if you want. This comes in handy if you do not know all of your creditors but you want to start today.
   
• We will provide you with a directory of the bankruptcy courts in your area so you will know where to mail the finished documents to.
   
• If you need to reaffirm some debts, we will provide you online reaffirmation agreement tools to do it with. You can use them to keep a credit card or car or your house payments after filing bankruptcy.
   

When you are done entering your information, we will prepare all of your documents and deliver them to you online either by email or by a direct download to your browser. We will usually return the finished documents to you in less than 24 hours with instructions on where to sign your name and what court to mail them to. It is just that simple.

There is no extra charge for same day service

There are no hidden fees

You get a full money-back guarantee

Our documents are 100% court ready so all you do is,

Sign your name and

Mail them in to the court

It could not be any easier. Our ordering process is fully automated and there is no waiting for us to send you a password. You select your own logon password and you can start entering your information right away.

1. We specialize only in bankruptcy. 
   While others handle a little bit of everything, we master preparing perfect bankruptcy documents.
    

2. Our documents are always up-to-date. 
   We guarantee it. Bankruptcy forms and laws change frequently and paper forms and kits cannot keep up with the changes. Why spend weeks preparing your own forms only to have them rejected because they are outdated?
   
   "I like how easy it was to have you prepare the documents for me...after of course you had all the right information to enter. Also, you could go back and change amounts, etc. When I filed the papers, the clerk asked me where I found you, I told her off the internet, she commented it looked better than some attorneys prepare.
   
   ...at the hearing there were many other people having their trustee meeting. Some had attorneys present, but I noticed there were quite a few doing this by themselves. The trustee asked me a few questions about who I was, if I had help preparing the documents, but I was treated very nice by the trustee. I believe these trustee's are very overworked. No creditors appeared at the meeting. It took me about 15 minutes before I was called." - Bob M.
    

3. We will accept an unlimited number of creditors from you 
   at no extra charge. Attorneys and paralegals will quote you one price but when they actually see that you have many creditors their price could triple. Give us as many creditors as you have, 20, 50, 300. It makes no difference.
    

4. We will accept an unlimited of collection accounts from you at no extra charge.  
   Say you have a medical bill that has been sent to 10 different collection companies. You can give us the medical bill and all the collection companies without fear of overloading us or of getting charged extra. Many lawyers and bankruptcy preparers limit you to the first five or ten creditors after which they hit you with a heft price increase. Some charge as much as $20 per creditor after the first set.
    

5. We offer the ultimate in convenience  
   You give us your information online and we return the completed documents online. There is no taking time off to go see a lawyer or paralegal or to do it yourself.
    

6. Filing our documents is easy...very easy. 
   All you do is sign your name and mail them to the court. It could not be any easier. We even give you a directory of every bankruptcy court in every district in every state, right down to their phone numbers, branch offices and more.
   
   "... It was unbelievably easy. I thought that the whole process was going to be overwhelming, but it was simple.
   
   I was amazed how quickly it was all over. The hearing took 5 minutes at the most. My trustee basically asked me if I had consulted an attorney, which I answered no. And asked me if I had listed all of the debts I would like to discharge as well as all of my assets.
   
   None of my creditors showed. Poof... I was done! A few months later, I received a letter stating that my bankruptcy was final. Thanks for making it SIMPLE." - Steph G.
    

7. We can deliver the finished documents in less than 48 hours. 
   In fact, more than 90% of our customers get their finished documents in under 24 hour.
    

8. We are open 24 hours a day, 7 days a week. 
   We start working on your documents even before you have finished giving us your information and it does not matter what time of day or night it is.
    

9. Our documents are valid and are accepted in every bankruptcy court in every state. They are exactly the same as the federally mandated forms and therefore by law, they cannot be rejected by any bankruptcy court.
   
   "I was petrified about going to the hearing. I though there would be people there who knew me. I thought I would be grilled by the Trustee and not be able to answer his questions. I was directed to a room with about 50 people.
   
   The trustee was seated up front at a long desk, with someone taking notes and 2 other gentlemen. It appeared that they were "in training", as the Trustee would make comments to them regarding each case he had heard after the person left the chair, located directly in front of him on the opposite side of the table. I was surprised to have to speak into a microphone.
   
   My heart was pounding so loudly I though I wouldn't be able to hear. His questions were very easy to answer. When he was looking at the forms you prepared, he asked who prepared it for me and I told him. He asked, "How?" I told him on the internet. He was very impressed!
   
   The day the discharge letter came, I almost fainted with relief. It was over! I was officially "bankrupt". I was free from being harassed and stressed from not being able to meet my obligations, which I had incurred not from being irresponsible, but due to extenuating circumstances in my life. I'm a good person who got into trouble, and thankfully, you were there to help me. I would recommend your service to anyone as the intelligent alternative to an attorney." - Debbie K.
   
    

10. We have the best team of bankruptcy preparers 
    to assure that your filing is totally perfect.
     

11. We guarantee our work to be error free 
    and our documents to be accepted by the courts or your money back.
     

12. Bankruptcy is better for your credit and financial health than credit counseling. 
    Do not fall for the debt consolidation lie. Debt consolidation will ruin your credit and worsen your situation.
    
    "We first went with a credit counseling service for a year, got nowhere, made no progress, found your site on the internet and after much in depth study, it seemed to be rather easy and self explanatory and also professional.
    
    We were very nervous when we went to file the papers but we didn't have any problems and the filing clerk was very courteous. They accepted the documents, no problem, and commented on the professionalism and were amazed that I had done them without an attorney, even said I should be working there with them, I could hardly believe it went so smoothly.
    
    We were a bit scared to go to the hearing but it went very quickly with no creditors there, just lasted a few minutes. Our case is now closed and we have our final papers. We are experiencing a freedom that we could only dream of before, thank you so much for being there with your great service when we needed it most." - Ben S., LA, CA
     

13. Enjoy the peace of mind of having it all done for you. 
    Preparing 40 or more pages of bankruptcy documents is not easy particularly if it is your first time. You know the feeling you get when you discover halfway through a project that you are in way over your head and should have hired a professional instead of trying to save a buck or two. At first, it may seem like no more than filling out a bunch of forms but when you are halfway through it, you realize that there is so much you do not know and that your future and peace of mind is worth having it done professionally.

    "When I went to the hearing I was so nervous I even got sick to my stomach. I felt like a nervous wreck. There was a lot of people in there doing to same thing. I was shocked.

    We sat in the court room until we were called. We walked up and sat down. He asked a couple of questions. like our name. and if we had a business and then it was over. I was so shocked he was very nice.

    I walked out side and said to my husband what had just happened. How could it be so easy. 6 weeks later. We had the final paper work and Our case was over.

    I could not understand how it could have been so easy. I lost sleep for weeks worrying about this and from the time I walked into the court Room and out again it was 30 Minutes all total." - Montesano WA.
     

14. We do not offer you computer software that you have to run yourself. 
    Why buy a computer program that you need to install and then learn to use? Why clutter up your hard drive with a program that might not work on your system or that may not be compatible with your other programs or worse yet, that might even carry a Trojan worm or give someone else a back door into your files?
     

15. We do not offer you paper forms or bankruptcy kits 
    which are just a total waste of time and money. A bankruptcy kit is only a package of blank paper forms that you have to spend weeks filling out and is not worth even paying for.
     

16. We are very affordable. 
    We produce the same bankruptcy documents as attorneys, and for a fraction of their cost. We are not saying that we are attorneys or that you should not one if you need to. Get a free consultation from an attorney if you need to and then come back and have us deliver the highest quality documents to you.
     

Our regular purchase price is $159 but...

We have been running a special discount for a few days and that discount ends Saturday, May 19th. After this date, we will raise our prices back to the regular price in increments as follows.

Here is the price schedule.
 

From now until Saturday, May 19th	$149
After Saturday, May 19th	$159

Start with only a Deposit

To make it easy, you can start today with a deposit of only $119

Still not sure? Afraid you will not qualify?

We will take the guesswork out of it. We will pay for you to take the official means test! You heard it right.

... And then

We will pay you for taking the test

Sounds crazy doesn't it? Here is how it works.

ZMT Bankruptcy Testing conducts the official bankruptcy means testing for consumers contemplating bankruptcy.

If you take their MT-200 test, we will deduct the cost of the test from our fees and then we will deduct it again for the second time, so in essence, you not only get to take the test for free, you get paid the cost of the test as an additional discount. Here is an example.

If you paid ZMT $20 for the means test, you get a $40 discount off whatever our current fee in the price schedule above happens to be.

If you paid ZMT $30 for the MT-200 test, you get a $60 discount from us. It is that simple.

This offer applies only to ZMT MT-200 tests taken not more than 14 days ago. Means tests taken more than 14 days old will not receive any discounts from us.
 

 
Credit card details will be handled securely to ensure confidentiality. SSL encryption is employed to ensure sensitive data is protected. Delivery Method: After you submit your information to us, we will send you your completed documents by email and by direct download from our site (Usually in 24 hours or less. Since our product is electronic in nature, there is no shipping involved and hence no shipping charges.)

Transaction Security: Payments processed on Secure Server (128-Bit SSL Encrypted)

Refund Policy: We guarantee that the official federal bankruptcy forms that we will prepare for your chapter 7 bankruptcy documents are accepted by the court for filing or we will refund the full purchase price. This is performance guarantee, not an unconditional satisfaction guarantee. Please note that we DO NOT guarantee the outcome of your court case since we have no control of that. See the Terms of Services for full service agreement. Our refund policy takes into account the fact that our product is electronic in nature and hence cannot be returned for resale. As such, all sales are final. We do not offer any right of recession, return of goods or cancellation. If you are not sure you need our services, do not place an order.

Order today and pay only $149

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