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Filing an online bankruptcy is appealing, but you can’t actually do it unless you are an attorney. You can order bankruptcy forms online, use online software to help you fill out those forms or hire a lawyer to fill out your bankruptcy forms online - you cannot actually file your paperwork with the court online.

Each court requires a different amount of copies to be filed in addition to your petition the creditor matrix has to be submitted a certain way which is different for each court.

Do It Yourself - You can choose to complete your bankruptcy petition yourself, you will be responsible for learning the bankruptcy laws and finding out where you submit your bankruptcy forms. It will also be important to find out what the bankruptcy exemptions are in your state to use when filling out your bankruptcy forms.

Representing yourself at the 341 hearing is also your responsibility if you prepare your own bankruptcy forms. While you can represent yourself, you need to make sure you know the laws in order to protect your property.

Hire An Attorney - Hiring a bankruptcy attorney is also an option, they will look over your assets, debts and income, inform you which chapter of bankruptcy fits your situation, and then prepare your bankruptcy petition and file it with the courthouse.

Your bankruptcy lawyer will represent you at the 341 meeting as well. Hiring a bankruptcy attorney can save you a lot of aggravation, it is often high on cost - and for those who can’t pay basic expenses, paying for an attorney may not be possible.