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FAQ

Q. What is a bankruptcy Form Preparer?

It is an entity/person that can prepare bankruptcy forms for an individual.

Q. How can skeletalbankruptcy.com help me?

Skeletalbankruptcy.com is a software that will prepare the forms necessary for a Chapter 13 Skeletal Bankruptcy; which is best used when an individual or couple that needs to get a bankruptcy filed quickly. (Many people use a form preparer to do a Chapter 13 Skeletal bankruptcy when there is a extreme deadline; such as car repossessions, foreclosures and levy on accounts.) When an individual files a bankruptcy all collection efforts must cease from every lender or entity that is trying to collect a debt.

Q. If I file a chapter 13 skeletal bankruptcy will this stop a foreclosure on my house?

Yes. When you file bankruptcy you receive an automatic stay on court actions such as foreclosure and sheriff's sales. If your bankruptcy is dismissed then the creditors foreclosure notice requirement will have to start over. If your bankruptcy is not dismissed then the creditor can go into the court and ask the bankruptcy judge for a relief from stay, and if granted the creditor can proceed with court action. (This process generally takes time)

Q. How does the process work with skeletalbankruptcy.com?

  1. Process your payment, which is $499. We will immediately email you the completed schedules and instructions, which you will print and sign. The completed forms will be received within minutes depending on your internet email server.
  2. The questions will be are basic informational questions that you have answers for.
  3. You will need to take an online credit counseling course. This is a requirement in order to file the bankruptcy. The link we send you in your instructions will require $25, and takes 5 to 12 minutes to complete then print.
  4. Take the completed schedules, credit class certificate, Driver's License or State ID and file it at your local bankruptcy court house. We send a web link in your instructions to find your closest bankruptcy court. The court house will immediately assign you a bankruptcy "Cause Number".
  5. Contact your lender (or their attorney handling the foreclosure) and give them that cause number. They will the verify cause number and stop all collections immediately. Your bankruptcy court protection starts as soon as you receive your cause number and contact your creditor. STAY ON THE PHONE WITH THE LENDER OR ATTORNEY. DO NOT HANG UP UNTIL SALE IS PULLED. The amount of work and steps you will need to take to reverse the sale is more complicated and can increase legal fees.

Q. How many days before my sale date can I file?

You can stop the bank's foreclosure 5 minutes before the county auction or foreclosure hearing (judicial foreclosure states). We do not recommend waiting until the last minute as car problems, internet problems, etc may cause you to miss stopping your sale or foreclosure hearing. Filing a bankruptcy AFTER the sale will NOT prevent the sale. THIS FILING IS TIME SENSITIVE.

Q. Do I need an attorney to file a Chapter 13 skeletal bankruptcy?

No. All you have to do is answer a few questions and skeletalbankruptcy.com will generate the necessary pre completed forms needed for you to get your bankruptcy filed. When you file the bankruptcy without an attorney it is considered Pro Se. (Meaning on your own)

Q. What is the difference between a chapter 11, 13 and 7 bankruptcy?

Chapter 11 is a reorganization of a corporation. Chapter 7 is a liquidation of personal assets and relief of creditors. Chapter 13 is a reorganization of those debts and restructure payments in order to maintain assets.

Q. What is the difference between a Chapter 13 Skeletal Bankruptcy and a Chapter 13 Bankruptcy?

Chapter 13 Skeletal Bankruptcy is the initial set of documents that the bankruptcy courts require to get a bankruptcy on file. The bankruptcy court will immediately issue you a time stamped cause number. This cause number gives you the "Automatic Stay" court protection from all creditors.

A Chapter 13 Bankruptcy is a complete filing of all debts that an individual wishes to include in a chapter 13 filing.

(Many people will perform a Chapter 13 Skeletal Bankruptcy 1st because they are not financially prepared to hire an attorney at the time or they are up against a deadline. By exercising this option it allows time to find an attorney that will complete the filing for them as well as fit within their budget.)

Q. How does a chapter 13 skeletal bankruptcy work?

After skeletalbankruptcy.com generates the completed forms necessary to file; you will take them to the bankruptcy court in your county. The courts will indicate that you have 14 days to complete the other forms that are required to fulfill the bankruptcy courts requirements. If you choose not to complete the bankruptcy by filing the additional forms required then the bankruptcy courts will dismiss your filing.

Q. What happens if my bankruptcy gets dismissed?

If you choose not to follow through with the bankruptcy courts requirements in order to complete your filing, then it will appear on your credit as a dismissed bankruptcy. Also any lines of credit that you have available to you might be affected as well.

Q. How will filing a chapter 13 skeletal bankruptcy effect my credit?

If you choose not to follow through with the bankruptcy courts requirements in order to complete your filing, then it will appear on your credit as a dismissed bankruptcy. Also any lines of credit that you have available to you might be affected as well.

Q. What is the difference between a chapter 11, 13 and 7 bankruptcy?

Chapter 11 is a reorganization of debt for a corporation. Chapter 7 is a total liquidation of personal assets and relief of all creditors. Chapter 13 is a reorganization of personal debts and restructure of payments in order to maintain some assets.

Q. Do my spouse and I have to file together?

No. Only one spouse can file. It is generally in a married couple's best interest to file individually at separate times if needed.

Q. Will I be required to go to court if I file a chapter 13 skeletal bankruptcy?

You will not be required to go to court if you choose not to fulfill the bankruptcy and the courts dismiss your case.

Q. How can I be sure that skeletalbankruptcy.com will work?

Our company monitors each states bankruptcy requirements at all times and updates our forms as needed. In the event that the forms are not completed as per the courts requirements your money will be refunded. (Please note that most courts will require the person whom is filing the bankruptcy to complete a online credit counseling coarse and will require proof of the credit counseling certificate at the time of filing. If this is the requirement then this is the responsibility of the person filing the bankruptcy.

Q. What if my property is still sold at the court house?

If the lender's representative makes a mistake and does not stop the sale, call the lender's attorney and give them your cause number and ask for a reversal of foreclosure. You still have "Automatic Stay" protection but you may need to seek legal counsel at this point.

Q. How long does it take to complete the Chapter 13 Skeletal Bankruptcy through skeletalbankruptcy.com?

It only takes about 15 minutes from start to finish. You have to answer a series of questions, simply fill out your payment option and hit submit and your forms will appear. You will print your forms and you are ready to go.

Q. Is this refundable?

If we do not help you stop your sale, we will refund you the full $499

Q. Do I still need to make payments?

You always need to continue payments. During a skeletal bankruptcy you'll be in the jurisdiction of the bankruptcy court for 14 days, within that time payments need to be approved threw the bankruptcy court. If you decide to continue with the bankruptcy, you will need an approval from the courts to which creditors you will be paying and the amount to pay. The debt is still owed and fees and interest will continue to accrue. SKELETAL BANKRUPTCY IS A SHORT TERM SOLUTION, NOT YOUR LONG TERM PLAN. A skeletal bankruptcy will give you time to execute your longer term solution. For example, you are waiting to receive a check or saving money to hire an attorney, it would give you extra time to sell the property. Eventually you will still need to deal with the creditor.

Q. Can I still file a skeletal bankruptcy if I have filed bankruptcy before?

In most cases you can file a chapter 13 or less you have an injunction against you. Our service is refundable if for some reason you are unable to file.
Q. What is a loan modification?

The lenders have different loan modification; right now the most popular is the HAMP program (Making Homes Affordable Program) what this does is restructures your loan. Most of the time they add the shortage to the back end of the note of the loan in order to lower payments, Payments sometimes go higher to catch up the arrearage, so if you were having problems before making payments you will really have problems now. You have to qualify because it is a government assistance program. It's very easy to be denied if you don't know what the lender is looking for.

Q. What is the process of a Loan Modification?

The process starts by filling out the Making Home Affordable Application. You will need to gather 2 bank statements, 2 years of income tax returns, 2 consecutive paycheck stubs, a utility bill and a letter of hardship (signed and dated). Once you have these entire things together you will need to fax them into your lender. You will have to fax this in numerous times because they get lost. If you get them there the first time and the representative tells you they have received them congratulations. After that they are assigned to a CRM. This is your processor and point of contact throughout the process. This can take up to 30days for an approval. If they wait until late minute to inform you that you were denied your home can go to auction the very next day.

Q. What a Short Sale?

Most short sales are usually in default of the note but lenders will do short sales when the properties are current as well. Short Sales are usually used when the homeowner owes more than the property is worth. The lenders will reduce the payoff so the homeowner is able to sell the property.

Q. What is the process of a Short sale?

First the property needs to be listing with an agent on the open market. You will need a listing agreement, a contract, You will need to gather a financial form, 2 bank statements, 2 years of income tax returns, 2 consecutive paycheck stubs, a utility bill and a letter of hardship (signed and dated). Once you have these entire things together you will need to get them to your real estate agent. After that they are assigned to a CRM. This is your negotiator and point of contact throughout the process. This can take up to 30- 90days for an approval.

Q. What does your company do for me?

We complete all necessary forms to file your skeletal bankruptcy. What we do not do is give legal advice. We are not attorneys. We do not file the bankruptcy for you. We are not offering you a long term solution, we are offering you a short term solution. We are a document preparation website, our software prepares all the forms for you. This is a quick, guaranteed and in-expensive way to file your bankruptcy. Skeletal bankruptcy will get you're your cause number and "Automatic Stay" protection.

Q. Can I get an attorney to file this for me?

Yes, you can hire an attorney instead of using our software. An attorney will usually require an upfront retainer, they may or may not file a skeletal bankruptcy, and they may want you to go through the entire bankruptcy process. For the attorney to file on your behalf, you will most likely need to gather all of you financial records and meet with them.

Q. What is the cost of this service?

$499 to prepare all forms and $0 to $50 to file at court house. $25 for online credit course.

Q. Can I speak to a customer service representative?

Yes. We cannot give you legal advice but we can explain our software.

Q. Can your company file the forms for me?

No, Skeletal bankruptcy is a "pro se" (representing yourself) filing. . We prepare all necessary forms, you will have to file the forms in person at the closest bankruptcy court (included in the instructions that we provide you).

Q. Can I be denied for a skeletal bankruptcy?

There are rules of how many times you can file bankruptcy. You can typically file 4 skeletal bankruptcies in a year. Possibly more if the creditors do not object or less if you receive a court injunction saying you can't. In short everyone has a right to file a chapter 13 or skeletal bankruptcy.