The only genuine chapter 7 and 13 software designed for consumers from the ground up


Bankruptcy Software

The Altiva Bankruptcy Software Site

We are on your side and that means that we are committed to your bankruptcy success, even if it means your hiring a lawyer or doing it yourself without our software.

No one solution is suitable for everyone. 

There are times when a bankruptcy attorney is the right choice notwithstanding their high cost; there are times when a full-service preparer is the right choice and there are times when bankruptcy software is the right choice.

Here is a selection guide to help you make the right choice:

Bankruptcy Lawyer

Use a bankruptcy lawyer when you own an incorporated business or have a lot going wrong with your unincorporated business. If your financial situation cannot be told simply and directly without the help of charts and long winder explanations, then perhaps that is a signal that you will need an attorney. That is what they are ideally suited for. Visit Chapter 7 Reviews for their article on bankruptcy lawyers.

Bankruptcy Software

If you can prepare your own bankruptcy using paper forms or bankruptcy forms downloaded from the court web site but you rather not do it by hand because of all the calculations, then bankruptcy software is the right solution. People who use software are typically those who know what to do and do not need legal advice. They just need a quick and painless way to do it.  Visit Chapter 7 Reviews for their article on bankruptcy software.

As we have said elsewhere on this site, we are the only bankruptcy software company providing genuine bankruptcy software designed for consumers. There are other outfits selling the plain blank bankruptcy forms cleverly rebranded as bankruptcy software. You can tell them from the fact that they do not offer a LIVE DEMO like we do. You can also tell them from their price which is usually about $44 to $49. 

Try our live demo

It just does not make sense to pay for the same blank forms that anyone can download for free from the court web site!

Full-Service Bankruptcy Service

Full-service bankruptcy preparation is ideal for those who have never filed bankruptcy before and for those who are terrified about making a mistake but cannot afford a bankruptcy lawyer. If you have never filed bankruptcy before or you easily get terrified about legal matters, then you should either use a lawyer or a full-service bankruptcy company. The only difference is that a lawyer can give you legal advice while a full-service company cannot. Behind the scenes, even if you hire a lawyer, he or she will not prepare the bankruptcy. All the real work is done for them by their full-service preparer staff or even by their secretary.  Visit Chapter 7 Reviews for their article on full-service bankruptcy companies.

If you hire a lawyer, you will get to really talk to them at the initial consultation when you pay them. After you have paid them, good luck if you see them again or talk to them again. Every time you call his or her office with a question, it will be answered by their secretary who screens their calls. Most bankruptcy lawyers operate as front sales people in consumer cases.

The key word is, consumer cases, and this is because as a consumer, bankruptcy filing is mostly about typing the paperwork correctly. It is not about having a lawyer on your side. Consumer bankruptcies require little or no legal advice but if you need legal questions answered, you can get it answered at a free initial consultation with a lawyer, and then come back and use our bankruptcy software.

For a lot of people it is about feeling safe. It is like having one's mom come into the classroom on their first day of school. This is not to knock those who really need that security blanket. There are people who because of bad experiences, have a fragile state of mind and could benefit from having a lawyer around.

If you are an incorporated business, you have no choice but to hire a lawyer since a corporation is not a natural person and so has to be represented.

You can learn all about this from the bankruptcy review web site, Chapter 7 Reviews . They not only review bankruptcy sites, but they also provide good articles on the bankruptcy for consumers. You can also visit the other mail bankruptcy review site, Bankruptcy Reviews.


  • Online Preparation
  • Free Online Demo
  • 20 Minutes To Enter Data
  • 10 Seconds to Print Documents
  • Fully Court Ready
  • Valid in All 50 States
  • Full Money-Back Guarantee

The Best Online Bankruptcy System Made for Consumer Chapter 7 and Chapter 13 Bankruptcies

Extremely Easy To Use

No Learning Curve

No Manuals to Read

100% Online

Nothing to Install

No Paper Forms to Fill Out

No Software to Download

No Do-it-Yourself Kit

Valid in all 50 States

Guaranteed Court Acceptance

Professional Quality

Low Prices So Everyone Can Afford it

Instant Availability

Instant Use

Complies with the Latest Laws

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