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What is a bankruptcy mill or form filer?

Our Professional Answer:

There are two ways to typically file a bankruptcy. One is to see a bankruptcy attorney and have them determine whether you should file a bankruptcy and what chapter you should file. The other way is sometimes people go on the internet and they find companies to help them prepare a bankruptcy petitions. These people are called Form Filers or Petition Preparers. They are not attorneys and they cannot help you with the legal questions. Often people file who should not have filed and people’s petitions are incomplete and their cases are unnecessarily dismissed. We are very skeptical of the value of those services.