Can I File for Chapter 13 Bankruptcy Online?

upset man on phone talking about chapter 13 bankruptcy in front of computer
When it comes to financial hardships, you may be eager to handle as much of it on your own as possible and as quickly as possible. However, when it comes to filing for Chapter 13 bankruptcy online, we warn you to take precautions because mistakes can be made which may impact your case. In addition, there may be things you miss that a bankruptcy attorney would be able to guide you through. If you are contemplating Chapter 13 bankruptcy, there are certain things you need to know.

Dangers of Filing Bankruptcy Online

If you complete a simple internet search, you may find sources that say the simpler your bankruptcy case, the less likely you are to need an attorney. While that is something you can do, it doesn’t mean you should. Sometimes a simple bankruptcy filing can quickly become complicated by debts you may have accumulated and fine print you did not read. That’s why we recommend utilizing the expertise of a trusted bankruptcy attorney. Such complications that can emerge in a Chapter 13 case when filing online include:
  • Consolidating Debts. When it comes to a Chapter 13 bankruptcy case, you may wish to catch up on payments to get rid of some debts first. Because of the complexities of secured and unsecured debts and the plans that must be created in a Chapter 13 case, a bankruptcy attorney can guide you through the process.
  • Forms. The process to file Chapter 13 bankruptcy is actually much more difficult than filing for Chapter 7 bankruptcy. In addition to filing federal forms, you may also have state and local paperwork you must provide, you need software to design a repayment plan and more.
  • Chapter 7 is actually better for you. At a quick glance, you may think that you do not qualify for Chapter 7 bankruptcy and jump into the Chapter 13 process. However, later you find that maybe Chapter 7 would have been the better choice. Without having the legal experience to navigate the intricacies of each form, you may be setting yourself up for a slow start in your new financial life.
  • Online services don’t account for all of your debts. You may think running a credit score check, printing out bank statements, and collecting a few month’s worth of bills is sufficient to prove your financial status. Unfortunately, many of these “catch-all” services don’t actually account for all debts. Knowing that someone has come through to check your debts and can confirm all debts are accounted for is not only part of the process, but can give you peace of mind.
It’s also important to remember that even if you file online, there are certain processes of bankruptcy you must physically attend, so completing part online may not actually save time at all. Don’t let a Google search override the experience of a bankruptcy expert. Get legal advice and start your financial future today.

Chapter 13 Bankruptcy With Jones Law Firm

There is no replacement for individualized services with a personal touch. If you are experiencing financial distress or the burden of debts you cannot pay, we encourage you to contact The Jones Law Firm for a free consultation. With offices in Reynoldsburg, Ohio, The Jones Law Firm works with clients in and around Columbus and throughout central Ohio.