You will need Acrobat Reader to open, read, and print out your documents. Acrobat Reader is available free to the public. If you don't already have Acrobat Reader installed on your computer, just click on the Acrobat Reader icon above to download and install it on your computer. This kit has been prepared by us and has everything you need to prepare and file your own bankruptcy petition anywhere in the United States. Bankruptcy is a method by which debts are discharged, that is, legally eliminated by preparing and filing a formal petition in federal bankruptcy court.
Bankruptcy is a citizens' right established in our constitution by our founders.
Congress is authorized in the Constitution to establish uniform national laws regarding bankruptcy. However the several states, with their sovereign powers retained the right to pre-empt federal bankruptcy laws and impose their own standards of qualifying exemptions. Some states prohibit the use of federal standards altogether and impose only their own standards of qualifying exemptions. Some states allow the use of either their specific state standards or federal standards. In these states, the debtor can choose whichever set of standards are most advantageous to their own specific set of circumstances.