#1 Resource for Finding Common Bankruptcy Forms
Filing bankruptcy may be the most emotionally- and financially-charged event in a person’s life. Perhaps the most challenging aspect of the entire bankruptcy process is overcoming the stigma of filing personal bankruptcy. If bankruptcy truly is the most appropriate solution to overcome your crushing debt, then hold your head high because the U.S. bankruptcy code was penned to help and protect you at this difficult time. The fundamental purpose of the federal bankruptcy laws is to give “the honest but unfortunate debtor… a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt.” (Decision of The Supreme Court, 1934)
When it comes to finding common bankruptcy forms, you need to be on the look out for local, national and official (mandatory) forms. If you intend to seek the guidance of a qualified bankruptcy expert, your bankruptcy lawyer will assemble and organize all of the forms necessary for filing personal bankruptcy.
If you intend to take on filing bankruptcy by yourself, the best resource for finding common bankruptcy forms, explanations and instructions for the bankruptcy process is located on the U.S. Courts website. All of the essential forms a bankruptcy lawyer utilizes are available for download from this site, including information on how to differentiate between local, national, mandatory and basic procedural forms.
The forms required for filing personal bankruptcy under Chapter 7 or Chapter 13 are listed for your benefit in Procedural Form B 200. The U.S. Bankruptcy Court’s Form 200 contains required lists, schedules, statements and fees associated with successfully filing personal bankruptcy.
When searching for and finding common bankruptcy forms without the benefit of a bankruptcy lawyer, you must understand that all bankruptcy forms, whether official or procedural, come from one of two groupings under the bankruptcy code: the National Judiciary (National) or state (Local) categories, respectively. Local forms differ from one state to another, while National forms are standardized and consistent across the United States. Under the U.S. Bankruptcy Code, it is mandatory to use the official forms when filing for bankruptcy. Making use of the procedural forms is not required, although it may simplify details your personal bankruptcy case for the court reviewing your petition. If you have any doubt about which forms are essential to successfully filing bankruptcy, a bankruptcy lawyer can provide timely advice on which forms may help to avoid unwanted delays and in some cases, a judgment of dismissal.
As you begin finding common bankruptcy forms and gain a clearer understanding of bankruptcy procedures, you may recognize that a bankruptcy form is not a single document, but a comprehensive list of individual forms and documents. Whether you choose to hire a bankruptcy lawyer or proceed with filing bankruptcy personally, you will need to be able to differentiate the required common bankruptcy forms from the procedural ones that can be overlooked with no penalty or delay to your case.