I received a comment on a YouTube video I posted some time ago about the Chapter 13 Bankruptcy Self-File E-Guide calling for me to be thrown in jail.
The crime, poor video production I suppose or maybe the working premise that a bankruptcy filing, particularly for chapter 13, should be handled strictly by an attorney. But I get it. When considering to file bankruptcy, one should seek out the most qualified and competent profession to accomplish the job. And non-attorney does not fit that pedigree.
However, chapter 13 bankruptcy attorneys can be costly and the distinct possibility may exist that someone in financial distress may not be able to afford those fees which can be as high as $5,000 – just for the filing.
The e-guide I created is simply an inexpensive tool to help someone seeking to file chapter 13 bankruptcy on their own accurately complete all of the requisite paperwork.
Chapter 13 is a repayment plan supervised y the bankruptcy court which is utilized to restructure debt and safeguard property in jeopardy of repossession such as a vehicle in repossession status or a home loan in foreclosure. I tailored the information in the e-guide for individuals facing vehicle repossession.
Many people are not aware that the bankruptcy court expressly permits a debtor to take a less expensive option and file bankruptcy without an attorney.
I have prepared countless chapter 13 filings over the years, as a legal assistant for a major bankruptcy practice and on an independent basis helping others as a Bankruptcy Petition Preparer (BPP). I put all of my technical experience into the e-guide to make it easy for anyone to successfully file chapter 13 bankruptcy.
The fact is that the new bankruptcy laws otherwise known as BAPCPA [Bankruptcy Abuse Prevention and Consumer Protection Act] make provisions for BPP.
Although the bankruptcy code supports the assistance provided by a BPP, it’s very clear that many people are still in the dark with regard to the options for help one can receive to file. However, the bankruptcy code does impose strict limitations on non-attorneys helping others to file bankruptcy.
A BPP is not allowed to give any direct legal advice to someone he/she is helping a debtor to file bankruptcy. The role of the BPP is regarded to be no more than a “typist” although the bankruptcy code does not specifically use the work [typist] - Notwithstanding I ‘m happy with the title.
My impassioned critique said that chapter 13 is very complicated and that no one should trust someone that records a YouTube video while driving his car with their finances. This actually made me laugh because he’s probably right in that production expert I am not. Chapter 13 is more complicated than chapter 7 “straight Bankruptcy”, but with the guidance in my e-book anyone can navigate the process.
I don’t invest much in bells and whistles but I doubt any enhancements to this video would have pleased this gentleman who ideologically believes that hiring a bankruptcy attorney should be the only means of accessing bankruptcy court protections.
A BPP does not compete with bankruptcy attorneys. In fact, most people I have helped have already discussed their case in full with an attorney but they simply could not afford the fees. So my services are an alternative and not a replacement to hiring an attorney.
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