Bankruptcy means testing starts with havingyour online bankruptcy means test prepared by our personal bankruptcy preparers. This is not a do-it-yourself bankruptcy filing. We prepare your online chapter 7 bankruptcy forms as per the new online bankruptcy laws. Let us show you how to file bankruptcy online. Our online bankruptcy preparation service will keep the cost of filing bankruptcy online without a bankruptcy attorney affordable.
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are open every day to serve your needs, so feel free to
contact us for answers to your questions.
MT-200 Features
Official BAPCPA means
test
100% accurate
Pass Certificate
issued
5 retests
Logon access
Order this test if any one of the following is true.
You want to know for sure that you qualify before starting the bankruptcy
process.
You want to hire a full-service bankruptcy preparer but want to first know
that you qualify before paying them
You want to hire and attorney but want to know that you qualify before
signing their costly retainer agreement.
Cost: $29
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.
After taking our means test,
you can have us prepare the bankruptcy forms
for you or you can visit some of the other
bankruptcy sites that also prepare
bankruptcy filings.
MT-200 is our most popular product and is the one most suitable for debtors
who want to be certain that they qualify to have their debts discharged. If you
have been referred to us for means testing by your attorney or bankruptcy
preparer, this is probably the level of testing that they want.
If you are seriously considering filing bankruptcy, then this test should be
the starting point. Once you have taken this test and passed it, you can then
proceed with confidence to take the mandatory credit counseling class or to hire
a full service bankruptcy preparer or attorney. It is recommended that you take
the means test before taking the credit counseling class.
Most bankruptcy attorneys prefer clients who they know in advance will pass
the means test, this way, they do not waste their time with people who will not
pass.
When attorneys takes on new clients, they usually have to spend upwards
of $250 just fulfilling the obligations imposed on them by the new law even
before they can proceed. This is known as due diligence and it includes the
means test.
If you have not taken the means test, the attorney is likely
to quote you a higher fee for the increased risk of their expending $250 in due
diligence fees for debtors who do not qualify.
The MT-100 test is 100% accurate and at the same time, it is very easy to
complete. You do not need a list of your creditors and you do not need your
account balances. We ask for only estimates of your income and expenses and
other information you already have at your disposal. The interview process
takes about 15 to 20 minutes.
When you order this test, you receive a logon name and password with which to
log on to our system. You can take the test a total of 5 times. This allows
you to vary the information that you enter for each run. At the end of each
successful run, you will be issued a printable certificate that you can take to
your attorney or bankruptcy preparer as proof that you have passed the means
test.
The certificate also contains a certificate number which your
participating attorney or bankruptcy preparer can validate against our records as additional
proof that you have passed the test.
Recommended Resource
What is it like to attend the 341(a)
Meeting of Creditors?
This link provides testimony of actual debtors in their own words. The
information they share can be very useful if you have never been through the
process yourself. Debtor
Experiences at the 41(a) Meeting of Creditors
Review of Bankruptcy Web Sites
This web site reviews bankruptcy help web sites and has useful articles on
the process. Vendorhound Reviews
What Are The Steps Required Under The New Laws?
This web site outlines the step by step
requirement of filing under the new laws. This is a bankruptcy provider that
offers means test discounts, and their info on the process is accurate, however
we do not endorse any other companies other than ours.
Step-by-Step Under New Law
Bankruptcy Law Reference For Consumers
This link is probably the best source of general consumer bankruptcy laws
written in easy to understand layman terms.
Consumer Bankruptcy Library
Bankruptcy Law Reference For Attorneys
This is the premier link for bankruptcy laws designed for attorneys and legal
professionals.
Cornell Law Library
Companies Offering Discounts for Taking The Means Test
This is a partial list of web sites that will give you a discount off their
price if you have taken our means tests. We only list companies that have
demonstrated their ability to produce documents the fully comply with the
BAPCPA. Linking to these providers is not an endorsement of their services. If
you are a bankruptcy preparer and wish to gain XML validation of our means test
certificates, contact us for further instructions. As a minimum, we will need to
verify that your documents include properly prepared Form 22a that is fully
compliant with the means test requirements of the BAPCPA.
ZMT is a BAPCPA means testing facility suitable for client
screening. If you are an attorney, encourage your clients to
take our MT-200 means test before retaining your services.
It will save you time and money by ensuring that you handle
only qualified clients.
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.
