Nova Publishing

The Personal Bankruptcy Toolkit

$29.95

If you are over your head in debt, you have a legal right to cancel your debts, prevent creditors from pursuing you, and keep a substantial portion of your property without using an expensive lawyer.

All of the necessary official forms and clear step-by-step instructions for obtaining a Chapter 7 personal bankruptcy are included in this comprehensive book. Written in plain, straightforward language by an experienced business attorney, the step-by-step instructions in this book will allow you to fill in and file all of the necessary forms. Questionnaires, checklists, and sample filled-in documents will help take the worry and fear out of bankruptcy. The appendix provides details that will allow you to retain the maximum amount of your own property allowable under the law. The enclosed CD contains all of the necessary forms which are computer-fillable on PCs or MACs.

"This is a must-have book if you are thinking of filing for Chapter 7 bankruptcy. All the forms and information you will need are contained within the 320 pages of this toolkit." MoneySenseTips.com

"An absolute"must-have" for anyone considering or filing for Chapter 7 protection." Internet Bookwatch

December, 2008

Softcover - 320 pages

ISBN 978-1-892949-42-4

$29.95

Table of Contents [click to show]

How to Install Personal Bankruptcy Simplified Forms-on-CD 8
CHAPTER 1: Understanding Bankruptcy 9
An Overview of Chapter 7 Bankruptcy 10
Non-Dischargeable Debts 11
Understanding Chapter 7 Bankruptcy 12
Other Types of Bankruptcy 14
Chapter 13 14
Chapter 11 15
Chapter 12 15
Changes in the New 2005 Bankruptcy Act 15
When Chapter 7 Bankruptcy Isn’t the Answer 21
CHAPTER 2: The Chapter 7 Bankruptcy Process 26
Attending a Credit Counseling Course 27
Filling out Your Draft Bankruptcy Forms 28
Determining Your Exemptions 30
Calculating Your Eligibility for Chapter 7 Using the Means Test 30
Filling out the Official Bankruptcy Forms 32
Filing Your Bankruptcy Papers 34
The Creditors’ Meeting 33
Attending a Personal Financial Management Course 34
Your Final Discharge 35
Instructions for Married Couples 35
Checklist of Actions for Obtaining a Chapter 7 Bankruptcy 37
Checklist of Schedules, Statements, and Fees for a Chapter 7 Bankruptcy 38
CHAPTER 3: Gathering Information for Your Bankruptcy 40
Bankruptcy Questionnaire 42
What Are Your Assets? 42
What Are Your Debts? 51
What Is Your Monthly Income? 54
What Are Your Monthly Expenses? 55
CHAPTER 4: Using The Bankruptcy Forms-on-CD 57
Forms and Files Provided 58
To Access Adobe PDF Forms 60
To Fill in Forms in the Adobe Acrobat Reader® Program 60
Technical Support 61
CHAPTER 5: Filling out the Bankruptcy Forms 62
Instructions for the Voluntary Petition (Official Form 1) 65
Instructions for Page 1 of Official Form 1 65
Sample Page 1 of Official Form 1 68
Instructions for Page 2 of Official Form 1 69
Sample Page 2 of Official Form 1 71
Instructions for Page 3 of Official Form 1 72
Sample Page 3 of Official Form 1 73
Instructions for Exhibit D of Official Form 1 74
Sample Exhibit D of Official Form 1 76
Instructions for the Schedules for Official Form 6 78
Instructions for Schedule A: 78
Sample Schedule A: 80
Instructions for Schedule B: 81
Sample Schedule B: 83
Instructions for Schedule C: 86
Sample Schedule C: 88
Instructions for Schedule D: 89
Sample Schedule D: 91
Instructions for Schedule E: 93
Sample Schedule E: 96
Instructions for Schedule F: 99
Sample Schedule F: 101
Instructions for Schedule G: 103
Sample Schedule G: 104
Instructions for Schedule H: 105
Sample Schedule H: 106
Instructions for Schedule I: 107
Sample Schedule I: 110
Instructions for Schedule J: 111
Sample Schedule J: 112
Instructions for the Continuation Sheet 113
Sample Continuation Sheet 114
Instructions for the Summary of Schedules (Official Form 6-Summary) 115
Sample Summary of Schedules 116
Instructions for Statistical Summary (Official Form 6-Statistical Summary) 117
Sample Statistical Summary 118
Instructions for the Declaration Concerning Debtor’s Schedules 119
Sample Declaration Concerning Debtor’s Schedules 120
Instructions for the Statement of Financial Affairs (Official Form 7) 121
Sample Statement of Financial Affairs 125
Instructions for the Statement of Social Security Number[s] (Official Form 21) 136
Sample Statement of Social Security Number[s] 137
Instructions for the Chapter 7 Individual Debtor’s Statement of Intention (Official Form 8) 138
Sample Individual Debtor’s Statement of Intention 140
Instructions for the Application to Pay Filing Fee in Installments (Official Form 3A) 143
Sample Application to Pay Filing Fee in Installments 145
Instructions for the Mailing List of Creditors’ Names and Addresses 147
Instructions for the Application for Waiver of the Chapter 7 Filing Fee For Individuals Who Cannot Pay the Filing Fee in Full or in Installments (Official Form 3B) 148
Sample Application for Waiver of the Chapter 7 Filing Fee 151
Instructions for Debtor’s Certification of Completion of Instructional Course Concerning Personal Financial Management (Official Form 23) 155
Sample Debtor’s Certification of Completion of Instructional Course 156
Instructions for Notice to Individual Consumer Debtor under Section 342(b) of the Bankruptcy Code (Official Form B201) 157
Sample Notice to Individual Consumer Debtor 158
Instructions for Statement of Current Monthly Income and Means Test Calculation (Official Form B22A) 160
Sample Statement of Current Monthly Income and Means Test 174
CHAPTER 6: Completing Your Bankruptcy 182
Filing Your Bankruptcy Papers 182
The Creditors’ Meeting 187
Surrendering Your Property 188
Complete a Personal Financial Management Course 189
Your Final Discharge 189
After Your Bankruptcy 190
APPENDIX A: State and Federal Bankruptcy Exemptions 192
APPENDIX B: Federal Bankruptcy Courts 253
APPENDIX C: Approved Credit Counseling Agencies 280
APPENDIX D: Approved Debtor Education 295
GLOSSARY of Bankruptcy Legal Terms 309
INDEX 315

This product was added to our catalog on Tuesday 09 December, 2008.

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