Do you know that personal bankruptcy is a deadliest way of daily life. A lot of people are walking this way everyday. Today people want to erase their personal bankruptcy without paying any fees. The appropriate charges for filling bankruptcy which is under chapter 7 are $299 and if you want to know the amount under chapter 13 are $274. Its generally starting from $700 to maximum $2000. So I think it would be possible to a person to erase their personal bankruptcy.


"You can recover the total amount of the maximum part of your debt" this is the main theme of chapter 7 of the law of bankruptcy. Chapter 13 denotes the remaining payment of debt but the duration of payment has increased and became very easy to get out of debt. But it depends upon on the way of your lifestyle like in which state are you staying, your total cost of living, your total income and and your family member.

In the case of filing bankruptcy you've to go to the credit counseling course and have to successfully complete it. Make sure that the course which you are doing must approved by United States Bankruptcy Court. The cost of this courses near about $100 but much better than fighting with it.

Some requirements like some forms, a bankruptcy petition, statement of intention, credit counseling verification, creditor matrix, fee payment installments, financial affairs, social security number and the rest of financial certificates.

In few of states you've to show a list of your debts both of your secured and unsecured debts. If you want to mention your credit report you most welcome. Monthly expenses including insurance, food and utilities you can show also. Make it and achieve it.