Filing For bankruptcy Online. Bankruptcy preparation service.

This is the official Means Test site of the top bankruptcy companies and attorneys. Many companies send their potential clients to our center for means testing before taking them on as clients.

If you have been sent to us by your attorney for your bankruptcy means test or if you have come to us on your own, as your national BAPCPA means test provider, we can offer you with two important services. One, you can learn all there is to know about the test here and two, we can perform a full BAPCPA compliant means test.

We offer several levels of means testing. Select the level that is right for you. If your attorney or preparer has told you which level to select, then order it. If you need to learn more about each level, the click the appropriate link.

Not only do we do means testing, we prepare bankruptcy documents too and we work with many other bankruptcy sites that use our means testing.

MT-100 FREE MEANS TEST	MT-200
MT-100 is a light weight means test designed to give you a rough idea where you stand. Do not rely solely on this to determine if you qualify to have your debts discharged. It asks fewer questions and makes fewer calculations and can be completed in as little as 3 minutes. If you need to know for sure that you qualify as per the official BAPCPA means test, use the other means test options. Includes: limit one run per email address. Price: Free Learn More	MT-200 is a full BAPCPA means test. If you pass it, you qualify to have your debts discharged. It asks all the questions and makes all the calculations required by the official rules. It is fully accurate at all income levels. The test can be performed in about 15 to 20 minutes. At the end of the test, you are issued a printable certificate that you can present to your attorney or preparer. Includes: 5 re-tests. Price: $29 Learn More
MT-300	MT-400
MT-300 is a full BAPCPA means test. If you pass it, you qualify to have your debts discharged. It is fully accurate at all income levels. The test can be performed in about 15 to 20 minutes. At the end of the test, you are issued a printable certificate as well as the complete 6 page court-ready form 22(a) which you can file with the rest of your bankruptcy documents. This is ideal if you are preparing your bankruptcy documents by yourself and need help only with the means test form 22(a). Includes: 10 re-tests. Price: $89 Learn More	MT-400 is for those who want us to perform the means test as well as prepare all of their court-ready bankruptcy forms. The MT-400 includes the full BAPCPA means test and is made a part of our bankruptcy intake questionnaire. When we are done preparing all of your documents, you will have everything that you will need to file a chapter 7 bankruptcy. All you need to do is sign your name and file. Includes unlimited retests until you are done supplying us your information. Price: $189 Learn More

File Your Complete Bankruptcy in Less Than 1-Day! + Free Means Test Calculator

Preparing a personal bankruptcy can be a daunting task considering that a simple one could be 50 to 100 pages long, contain numerous creditors, involve hundreds of numbers and facts that must be tabulated, summarized and manipulated. And that is not even taking into account the hundreds of bankruptcy laws that could affect your right to keep your property, wipe out your debts, and keep you out of trouble with the court.

Order MT-400 and get your means test as well as your complete set of court-ready chapter 7 bankruptcy documents prepared for you professionally. Save yourself the hassle of bumbling through the mountain of paperwork alone.

If you like, you can start by ordering the MT-200 means test just to be sure you qualify and then upgrade to MT-400. You can upgrade from MT-200 to MT-400 by paying only the difference. (If you are upgrading from MT-200, simply logon and click the upgrade button.)

Chances are that you have never prepared a bankruptcy and if you are in the middle of preparing one right now, you have not yet put it to the test in front of a bankruptcy judge or trustee. The only real test of how good your bankruptcy is is to put it in front of a bankruptcy trustee and unless it has been prepared professionally for you, you are taking a big risk. As they say, "fools rush in where angels dare to tread."

You have come a long way from the period of denial and you are now only a day or even just minutes from taking a step that will change your financial future. Do not shortchange yourself with do-it-yourself forms and software that could further complicate your already complicated situation.

Do it right and have us prepare your bankruptcy professionally for you and eliminate the guessing and the nervousness.

We prepare only bankruptcies unlike other companies who do a little bit of everything.

Our documents include 100% of all the official federal forms that you will need to file a personal Chapter 7 bankruptcy (Individual or joint). We do not prepare Chapter 13s and we do not prepare business bankruptcies.

Here are the official bankruptcy forms required in all districts. When fully completed, it could number 50 to 100 pages depending of the specifics of your case.

Supplying us your information is the easiest part. This is because unlike attorneys and paralegals, we do not have you fill out the very same forms that we are going to prepare for you and then ask you to fax it to us. No WAY. That would be shifting the burden to you.

Instead, we have you fill out a very simple online form that is designed to cut all the red tape. It is so well thought out that most of our customers are able to give us their information in just a matter of minutes.

Intuitively, you know that you need to give us the names and addresses of the creditors, the approximate amounts that you owe them and one or two more bits of information. So, in the creditor section of our form, we ask you for just that and no more.

Intuitively, you know that if you are employed, you need to state your approximate income and expenses. So, in the income section of our online form, we ask you for just your income and expense estimates and no more. (Corporations need to supply a zillion other information but unlike others, we don't present you with all the irrelevant and confusing questions and then ask you to figure it out yourself. That just wouldn't be right.)

Intuitively, you know that we would need your name and address and such other information as will enable the court understand your financial difficulties. So, we ask you for just that information on our online form and we do not confuse you with the hundreds of other things that do not pertain to you.

Now, if you were using a bankruptcy program or paper forms, you would be faced with so many fields of confusing data for you to provide and you would not know which ones are relevant to you and which ones are not.

You can guess but you cannot be a hundred percent sure unless you are a bankruptcy specialist. We have prepared many thousands of bankruptcies and we know which information is relevant to you that is all we ask you for.

Do you have to give us your information all in one sitting? Of course not. You have so many other things going on at the same time. You have to work, rest, eat, sleep, answer the phone, yell at the kids, walk the dog and then find a little bit of time to log on to our customer site and give us your information.

So, to make it ultra easy for you, we have designed the online form so that you can save your information simply by clicking the Save button that we provide. This way, you can log back on whenever you want and add more information or change information that you have already added.

There is a misconception perpetuated by some paralegals seeking to sell you a three bureau credit report, that you need a credit report before filing your bankruptcy. That is nonsense. YOU DO NOT NEED a credit report. You only need the names and addresses of your creditors and chances are that you have stacks and stack of bills and collection letters from which you can get that information.

What if you forget a creditor, can they be added to your bankruptcy after you have filed? YES. The court allows you to come back up to a year or more later to add them to your bankruptcy, even if your case has been discharged and closed. So, there is no reason why you should wait thinking that you have to get every imaginable information before starting.

Here's What YOU Get With us...

	Unlimited Creditors. The amount of work necessary to prepare your bankruptcy depends on the number of creditors and collection companies that you have. With 3 to 10 creditors you can expect 30 to 50 pages but if you gave have 20 or more creditors and dozens of collection accounts, we are talking about at least 80 to 120 pages of tedious paperwork. It just makes sense that attorneys and paralegals should charge more for the extra work and they do. Many advertise a low teaser price and then jack it up to the sky when you have more than five creditors. They will not tell you this on the phone until after you have signed up with them. With us, You can give us as many creditors and collection companies as you have and it will still be our everyday low price.
	Joint Filing. Lets say that you are married and want to file one joint bankruptcy, you can expect to pay more for the added spouse but not with us. Only a married couple can file a joint bankruptcy and if that is your situation, you both still pay our everyday low price just once.
	No Paper Forms or Software. With all the news these days about malcontents out there bent on destroying the internet with viruses and worms, you probably know enough to avoid downloading programs off the internet especially from companies that you have never hear of. The same applies to bankruptcy programs. If Microsoft or AOL were to write a bankruptcy program, it would be a safe bet to try it, but with the no-name web sites out there trying to get you to download something and unwittingly give them a back door into your hard drive, play it safe and have us do it for you.
	Court Ready. Our documents are 100% court ready. Just sign and file them. We return the finished documents to you as an email attachment which you can easily print on your printer.
	One Day Turnaround. Nobody like to wait for weeks for anything and the same applies to getting your bankruptcy documents done. Attorneys and paralegals can take up to two weeks to get your documents ready for filing but not us. Hire us today and you decide when you want the finished work back. We can get you your finished documents in just one day or less. If you are in a hurry and need to file right away we can deliver on your schedule.
	No surprises. Surprises are good for parties but not for bankruptcy. When you hire us to prepare your bankruptcy, you get exactly what we agreed to for our everyday low price. Work us like dogs, give us 300 creditors, make whatever changes you like and still we will not bill you a penny more than what we started out with.
	Always up-to-date. You have seen those web sites that offer thousands of legal forms on just about every imaginable field, from wills and divorces to pet adoptions. Keeping up with the changes in all of those forms is like counting the rain drops as they fall from the sky. Bankruptcy forms change periodically, sometimes unexpectedly and paper forms and kits just cannot keep up with all the changes. It is not unusual for a person to waste weeks typing their own forms only to find out that some of them have been outdated. We handle only bankruptcies and so we are always on top of every change in bankruptcy law or forms. Hire us to prepare your bankruptcy and your finished documents will be perfect and up-to-date.
	Make Changes. You can make as many changes to your information as often as you like before we deliver the finished documents to you. You make all the changes you want and then you tell us that you are done and ready for us to go to work preparing the document.
	Filing Instructions. We provide you instructions on where and how to file the finished documents. Filing can be as easy as sending it in by mail. Our court directory covers ever bankruptcy court in every county in every state, right down to their phone numbers.
	Easy Online Questionnaire. If online data entry forms were an art form, ours would be a prize winner for extreme easy of use. The last thing you want is to labor for days just filling out a questionnaire for an attorney to us in typing your forms. We have made our online form so easy that a child could use it in a matter of minutes, not days as is the case with others.
	Save and Return. You can save your information in our online form simply with the click of a button and then come bank at any time to continue. If you prefer to give us some information today and to come back next week to add more or make changes, that is perfectly okay.
	Reaffirmation. Do you have any debts that you wish to keep on paying after bankruptcy? We provide free reaffirmation forms that you and the creditor can use to ensure that. This is not required by the courts and it is not part of the official bankruptcy filing forms but it is our way to cater to your needs.
	Privacy Policy. Our privacy policy is simple. We do not share your information with anyone.
	Guarantee. We guarantee that our work will be accepted for filing or your money back. By giving you the complete set of up-to-date official bankruptcy documents and by taking the time to make sure it is prepared correctly, there is no chance that the court clerks will turn you back. Obviously, we cannot guarantee your personal information over which we have no control, such as your saying that your name is John Smith when in fact it is Jim Smyth. Here is how it works.

Give us your information on our online form.
We prepare the documents and send them back to you in an email attachment.
You print them on your printer, sign them and file. There is a mandatory trustee meeting approximately four weeks after filing. It is mostly a formality and your part of it usually lasts one or two minutes. For more information on the bankruptcy timeline, click our FAQ link to the left.
The court sends you a notice declaring your debts discharged.

We have an excellent customer care team ready to assist you and to answer your questions. Do you have any questions that you want us to answer before you start? Ask us. We are here for you.

... those who already have the money to pay their debts. That's not what motivates us. Financial crisis is painful and destroys families and their future and we want to make a difference for as many people as possible.

That is why we say, Take advantage of us and work us like dogs. And that is why we charge so little for so much work. Let our hard work spell relief for you and your loved ones.

The Money-Back Performance Guarantee is our personal promise...
We will do the best possible job preparing your bankruptcy and they will be accepted or all of your money back. So...

Avoid the paralysis of procrastination by
taking full advantage of our Guarantee!

Order your ZMT Banpruptcy
preparation right NOW!

It will only take you a few minutes to get started.

Sincerely,
Customer Care Manager
ZMT Bankruptcy Company

P.S.: Our iron-clad, no-risk guarantee ensures our full performance. Your bankruptcy will not be rejected but if that happens, we'll issue you a full refund immediately... Order NOW!

P.P.S.: But if you're still NOT convinced, let me sweeten the pot for you... Order today — and I will throw in a bundle of free resources which I dare not mention here lest we attract those who really do not need bankruptcy.

P.P.P.S.: We are so sure of what we have to offer that we challenge you to check out the others and compare. We have even made it easier by giving your their links. [Disclaimer: Please note that when you click the links, you will be taken out of this site and by providing you these links, except as already noted, we do not necessarily imply an endorsement of their products or services]

Our corporate affiliates include many of the top bankruptcy web sites as well as attorneys who direct their potential clients to us, rather than expend valuable funds and resources not knowing if they will qualify.

We invite attorneys and bankruptcy preparers to use our means test resources to pre-screen their clients. Our MT-200 is ideally suited for client pre-screening since it is a full BAPCPA means tester.

As the premiere provider of consumer means testing in all 50 states, ZMT is a perfect fit for thousands of bankruptcy lawyers nationwide. There is no signing up required of you. Simply link to our site or direct your prospective clients to get tested by us before retaining your services. We issue certificates to debtors who have passed our MT-200 test which they can present to you as evidence of qualification.

If you are a debtor seeking to file bankruptcy and do not have an attorney, you will want to run a means test using our test facilities before continuing. The new law places strict restrictions on the conduct of bankruptcy lawyers and as a result, many lawyers are selective as to who they will represent. For one thing, commercial BAPCPA support firms charge attorneys upwards of $250 per debtor for means testing and due diligence and that fee gets passed on to the debtor.

Preparing your bankruptcy without an attorney makes sense only if you will be using the services of a full service preparation company, especially one that has licensed a commercial version of our means tester. If you do not already have a bankruptcy preparer, you may want to select one from our list of recommended providers in the resource link section below.

Not only do we do means testing, we prepare bankruptcy documents too and we work with many other bankruptcy sites that use our means testing.

Online Bankruptcy Filing