Just how fast can bankruptcy documents be prepared and filed? As this former client of A People’s Choice experienced, amazingly fast! However, please note that A People’s Choice no longer offers bankruptcy document preparation services.

While we do not promote waiting until the last minute to file bankruptcy, we recognize that sometimes life circumstances are beyond our control. If you’ve ended up in an unexpected situation and require immediate action, like this client, you may want to consider hiring a bankruptcy petition preparer.

After a series of foreclosure postponements during the mortgage financial crisis, our client discovered at the last minute that the bank was not proceeding with her loan modification. Unfortunately, her house was scheduled for foreclosure auction the following day! An attorney had previously advised our client that filing bankruptcy would stop her foreclosure sale, but neither she nor the attorney had the capability to prepare the required documentation on such short notice. Therefore, in a panic, she called A People’s Choice at 6 P.M. to request help preparing emergency bankruptcy paperwork to file the next morning.

Luckily, the client completed the interview process, took the mandatory pre-filing class, received her completed bankruptcy documents that evening by email, and was able to file her bankruptcy with the court in time to stop the foreclosure sale.

How to Use a Bankruptcy Petition Preparer To File Bankruptcy

If you are in the California Central District, the court offers a free online bankruptcy document preparation service. Keep in mind, neither a bankruptcy petition preparer nor a legal document assistant is an attorney. Additionally, neither is authorized to practice law. In fact, neither a bankruptcy petition preparer nor a legal document assistant may instruct or advise an individual about legal matters and may only prepare certain legal forms.

Furthermore, the federal bankruptcy rules do not allow a bankruptcy petition preparer to file a debtor’s bankruptcy paperwork with the court, nor file electronically. Therefore, anyone representing themselves in a bankruptcy case must present their paperwork in person with the court.


“A very complex series of events. I found myself in the position of having a trustee’s sale on my house last Wednesday morning. So Tuesday night at six o’clock I found out that my house was being sold at auction the next morning. So I contacted A People’s Choice [a bankruptcy petition preparer]. Not only did they stay with me every step of the way, but educated me, kept a calm, positive demeanor during a situation that was very stressful for me. And so by dealing specifically with A People’s Choice, I was able to remain calm in the face of a really dire situation, and, in fact, resolve it by being where I needed to be… that was filing those documents in court the following morning.

This was at about six o’clock on a Tuesday night. And Sandy courageously and very generously held my hand through going through all of the interview process and unfortunate to me, I had to file bankruptcy. But fortunately for me, I had A People’s Choice available to me, got all the documents directly and by about ten o’clock at night we were able to finish the whole thing. I received my documents via email and went to the bankruptcy court the next morning, filed the documents and was able to stop the sale of my home and got a decent night’s sleep to boot!

So, I owe A People’s Choice [a bankruptcy petition preparer] really a debt of gratitude of keeping a calm, professional level head during all of this when I was kind of losing it and really providing me with a good, basic understanding of what was going on and what I needed to do.

So I would absolutely and with no qualification recommend A People’s Choice to anyone who is faced with bankruptcy. A People’s Choice is the place to go.”

PLEASE NOTE: Effective January, 2017, A People’s Choice is no longer offering bankruptcy document preparation services.