Can't Afford Legal Fees
To File Bankruptcy?

Bankruptcy-cpr.com assembled a team of legal, customer-service and programming experts to explore quicker, inexpensive, simplified and straightforward ways for anyone to prepare a bankruptcy themselves, we are uniquely able to help you better than any other DIY resource we know to stop foreclosure, stop a pending repossession, stop wage garnishments, and stop those annoying collection calls.

All you have to do is answer a series of simple questions which guarantees that you will prepare your bankruptcy petition correctly

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Joys of
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  • "I have been searching how to file bankruptcy myself when I ran across bankruptcy-cpr.com. I was hesitant about their software because they're not the cheapest I've seen but I'm glad I ended up purchasing their bankruptcy software... the process was very simple and took no time to complete."

    P. White
  • "I purchased bankruptcy software from several websites to help prepare by bankruptcy when I came across bankruptcy-cpr.com. Using bankruptcy-cpr.com's bankruptcy software was much easier to use than ezbankruptcyforms.com or standardlegal.com."

    J. Rodriguez
  • "I would recommend that you have a credit report or copy of bills when you start. The most time consuming part was entering all of my accounts. The process was easy though."

    D. Davis
  • "I was surprised at the excellent follow-up and support Alvin provided when I ran into an issue. Superb! A++"

    S. Moody
  • "I don't normally write reviews but had to come back to write one because I just got my discharge and was amazed at how smoothly everything went."

    D. Reid
  • "I like the checklist they include to make sure I have everything I'm supposed to file and I like being able to see how my Chapter 7 bankruptcy forms will look before I waste paper printing."

    M. Peterson

What Sets Us Apart From The Rest We offer a complete doityourself service that does away with complicated instructions, lists of forms and documents that you must assemble in order to file bankruptcy.

Why You Should Choose Our Company

  • We were founded on principals and believe that one should not have to decide what bill to skip paying just to be able to afford bankruptcy costs.
  • We have specialized knowledge of Chapter 7 and Chapter 13 bankruptcy with over 17 years of combined experience. Our staff have worked for bankruptcy Trustees, credior law firms as well as debtor law firms.
  • We have an unparalleled 100% confirmation rate with Chapter 13 cases in some districts.
We are committed to you successfully getting a discharge in your Chapter 7 or Chapter 13 bankruptcy so...
  • We do not provide you with a bunch of forms with "tool tip comments" all over the document like some diy alternatives.
  • We only use current and official forms created by the United States Bankruptcy Court.
  • We frequently update our software to comply with current and future requirements of the Bankruptcy Court including means test data.
Why Bankruptcy-cpr.com
Our Commitment
Frequently Asked Questions We answer some of your most frequently asked questions below.

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Chapter 7 is for those who do not have the ability to pay any or majority of their existing debt. In a Chapter 7, most (if not all) of your debts can be discharged without repayment.

See FAQ regarding non-dischargeable debt.

Chapter 13 is for those with income left over after regular monthly household expenses. Under Chapter 13 of the Bankruptcy Code, debts to be repaid may be reduced to the current fair market value and interest rate may be reduced.

When would one choose Chapter 13 over Chapter 7? One would choose Chapter 13 over Chapter 7 when a home is at risk of foreclosure or auto is at risk of reposession because of a delinquency. Chapter 13 allows mortgage arrears and auto loan to be paid over the life of the bankruptcy. Chapter 7 will temporarily stop these events but foreclosure and repossession will resume if the account(s) are not broght current.

It is possible to discharge all other debts in Chapter 13 bankruptcy without repayment like Chapter 7.

In Chapter 7, the lender will offer you an opportunity to reaffirm your house, car, or other credit account in which you pleadged items as security (i.e. electronic, furniture or jewelry store accounts) if the account is current. In some cases, the balance or interest rate will be reduced which in turn reduces your payment(s).

In Chapter 13, the amount you will have to pay is based upon the amount of debt that is to be repaid during the case for your car(s), secured accounts, leases, motgage arrears, taxes etc. However, this payment is usually less than regular contract payments because of the reduction in interest and possible reduction in principal balance.

One will be surprised at how quickly credit is extended after filing bankruptcy. Surprisingly, some of the very companies you had credit before will re-issue credit after the bankruptcy is complete. Why is that, you ask? Because credit card companies realize that majority, if not all, debts were just discharged resulting in the increased ability to repay the credit card debt. In fact, because of the formula for calculating credit score, it is very common for the credit score to increase while in bankruptcy.

Yes. All debts must be disclosed in bankruptcy.

The generic response is no. We say generic response because you will not loose, but you may have to make the decision to voluntarily surrender. Keep in mind that bankruptcy is usually the last resort when experiencing a financial hardship. When making the decision to file bankruptcy, you will have to be honest with yourself (and your spouse/partner, if applicable) to determine what you can truly afford to keep.

If you are behind on an auto loan or mortgage and wish to keep the property because you have disposable income, then you may want to file Chapter 13 as a Chapter 13 bankruptcy will allow you to pay that debt over a period of 3 - 5 years sometimes with modified terms.

A reaffirmation agreement is an agreement whereby you're telling the lender and the bankruptcy court that you intend to assume responsibility of the account such as an auto loan or home mortgage by maintaining future payments on the account.

The decision as to what account you decide to reaffirm should be considered carefully because (1) the debt will be considered non-dischargeable; and, (2) default on the account means that the lender can pursue collection of that debt through any legal remedies available to them which includes reposessions, foreclosure, judgments and garnishment.

You will still want to file bankruptcy because most creditors will pursue the deficiency balance from you. The deficiency balance is the amount that is still owed on the contract after the car, house, or other collateral goods has been surrendered. Most people owe more than what their house or car is worth. When those items are surrendered, the lender will try to quickly get rid of the car or house by selling at auction. You are still liable for the balance owed after the collateral has been resold so bankruptcy can remove that liability through the discharge.

Atlanta, GA
(404) 955-8858

Boston, MA
(857) 529-8880

Chicago, IL
(224) 633-9269

Columbus, OH
(614) 285-6425

Denver, CO
(720) 441-3340

Detroit, MI
(313) 566-4847

Fort Lauderdale, Miami, FL
(305) 702-8263

Los Angeles, CA
(213) 454-0999

(877) 755-5069

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