Form B-19 Declaration and Signature of Non-Attorney Bankruptcy Petition Preparer

INSTRUCTIONS : DECLARATION AND SIGNATURE OF NON-ATTORNEY BANKRUPTCY PETITION PREPARER (Form B-19)

• A Chapter 13 Bankruptcy is a debt repayment plan; in order to filing for this type of bankruptcy the individual must be employed so they can make regular payments to the Bankruptcy Court. The payments offered by the filer are then distributed among the individual’s various creditors. In most instances, an individual will be required to file this form of bankruptcy if they can pay at least 25% of their debts given their disposable income and savings. If the individual is approved for a chapter 13 filing, they will make payments for up to 5 years; the court will negotiate the filer to pay a portion of the total debts during this time.

What are the Form B-19 Declaration and Signature of Non-Attorney Bankruptcy Petition Preparer?

• The Form B-19 Declaration and Signature of Non-attorney Bankruptcy Petition Preparer is simply a document which formally declares the individual filing the bankruptcy petition on behalf of his or her client as a bankruptcy petition preparer as defined in 11 U.S.C. In addition to affirming, under penalty of perjury, that the preparer is legally fit to commence such a filing, the document also enforces that the individual has prepared the accompanying documents listed for compensation and have provided the debtor with a copy of such documents, as well as an attached notice as required by bankruptcy law.

• The document, in addition to affirming the previous information, will legally state that the preparer of the petition set a maximum fee of service chargeable and established to the debtor a notice of the maximum amount before preparing any document for filing. In summation, this particular form affirms that the preparer of a bankruptcy filing will legally comply with the provisions of title 11 and the Federal Rules of Bankruptcy Procedure.

• Furthermore, the document contains various statements and instructions that the debtor should take not of; the notice to the debtor states the legal role of the bankruptcy petition preparer. It is important to observe, that in this note, the preparer states that he or she is not an attorney and is not legally allowed to practice law or give legal advice—they are responsible for simply preparing the documents and clarifying ambiguities or complexities associated with the particular case.

Discharge of Debtor Before Completion of Chapter 12 Plan

Certificate of Commencement of Case

Summons to Debtor in Involuntary Case

Chapter 13 Debtor’s Certifications Regarding Domestic Support Obligations and Section 522(q)

Schedule F – Creditors Holding Unsecured Nonpriority Claims

INSTRUCTIONS : SCHEDULE F -CREDITORS HOLDING UNSECURED NON-PRIORITY CLAIMS (Form B-6F)

• Schedule F on Form B-6 is the most important form for those who are seeking to eliminate their consumer or medical debts. Listed on Schedule F, includes those debts incurred from unpaid personal loans, credit cards, medical bills, bills for services rendered and any other debts that are secured by property. To expedite the process of filing Form B-6F-Schedule F-you will need to take these following steps:

Collecting the Required Information:

• The first step to streamlining the filing of Schedule F on Form B-6F is to acquire information regarding your personal debts or those debts incurred from medical expenses. To do this, have your most recent credit card statements at hand; if you are unsure as to the amount of debt you owe or the number of creditors seeking collection, obtain a credit report that will show all of your accounts. It is crucial that you have every non-secured creditor listed on schedule F.

• After you have obtained all of your debts, re-check; sift through the rest of your records for any bills that are not consumer in nature. If you were evicted from an apartment and owe back rent, if you have any unpaid medical bills, or if you owe anyone money for anything that is not secured by property, you must include them with this filing. The obtainment of all documents associated with your claim will prevent the creditor from going to court for the amount owed and obtaining a judgment against you.

Required Information on Schedule F:

• Schedule F contains 8 columns that read from left to right; each column tells you what information to enter in each designated box.

• The first information required is the creditor’s name, the mailing address, zip code and account number of your respective debts. Following this information you must list if there are any co-debtors attached to your debts.

• You then will list the date of the claim, the consideration for the claim, and the month that the account was opened. Following this information, you are required to label the particular debts as contingent, un-liquidated and disputed.

• After this information has been entered in the appropriate columns, enter the total amount of liability in the “amount of claim” section. Schedule F consists of three pages but more can be added if necessary.

Chapter 12 Corporation/Partnership Family Farmer

Notice of Motion or Objection

Discharge of Joint Debtors (Chapter 7)

Certificate of Retention of Debtor In Possession

Bankruptcy

Debtor’s Certification of Completion of Instructional Course Concerning Financial Management

Involuntary Petition