This is about the history of Process My Papers, our bankruptcy process and the reminder that during the free consultation - you may find alternatives that you find more beneficial. 

We have successfully prepared thousands of bankruptcy cases since late 1991. We always put your interest first.

As you prepare the questionnaires and receive the information from the free consultation, you will be able to use that information in either debt consolidation options, bankruptcy options, or negation possibilities with your creditors. Please do not pay our fees until you have either completed your free consultation, received legal advice, or you have - acting as your own attorney - decided that is best for you. 

We offer a link to free annual credit reports, legal referrals, bankruptcy information videos provided by the bankruptcy court to share! These tools provide a valuable starting point without hurting your budget. Please use these tools to your fullest. The Be Financially Fit tools may assist in finding alternatives as well as in recovery if Bankruptcy is the best option. 


We type Chapter 7 cases, but remember - you are selecting to represent yourself. We only type documents based on your questionnaire submission and your edits in the review process. A part of a bankruptcy or the entire bankruptcy preparation is $125. This does not include Motions, Objections, Answers, Serves, or anything other than the typing of the Bankruptcy forms. 

We prefer you use an attorney to prepare Chapter 13 cases. Over the years, most filers representing themselves struggle with the plan. I cannot tell you what to put on your plan. We will prepare an emergency Chapter 13 to give you time to obtain an attorney. For those who are CONFIDENT you can prepare your Chapter 13 plan, Rica will type the documents for you on your instructions.  Keep in mind after an initial down payment, some attorneys allow the balance of their fees to be included in the plan. 

Also, with any bankruptcy, you can always hire an attorney at any point. In some cases, especially clients trying to hide assets, which is a terrible fraudulent idea, this usually ends up being the case. If you are thinking of fraud, please call an attorney now! They can set that idea straight.They can tell you the difference between bankruptcy planning and bankruptcy fraud. Anything with fraud in the sentence is never a good thing. I do not accept fraudulent cases. If you lie to both me and the court, when you are caught - you will need to defend yourself or pay the cost to defend yourself in both civil or criminal courts. 

We only charge $125 for the preparation of the forms - the same since 1991. As an additional bonus, to provide some relief, as soon as your $125 is paid, you are invited to have your creditors contact our office for verification of your full payment.



Preparing Documents Since 1991

This website contains general information related to home buying, credit repair, bankruptcy, but it does not offer  LEGAL advice. If you need legal advice, please consult an attorney as there are long term consequences to legal decisions.