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Abstract

Dave Clark's Bankruptcy Strategies-

Contact Us About Dave Clark's Bankruptcy Strategies-

Chapter 7 Bankruptcy Means Test Tips to Live DEBT FREE

Are you sick of banks charging 34% interest on credit cards, then
paying you 1% on savings, only to claim they need more profit? You gave
them a massive bail out. Banks still get 0% loans from the government.
Yet they still claim you - the taxpayer supporting them --- are not
deserving of credit. This is so wrong.

If your bills are piling while savings dwindle, you found your ultimate
solution. You must be ready for for a better way -- a proven Chapter 7
bankruptcy means test strategy -- because you and the ones you love
deserve an equal chance.

This site is about that equal chance, profitable solutions, and getting
you back on track to enjoy true financial freedom. This is far easier
than you may now think.

Let me show you here and now. I will change your life forever in a very
positive way.
Dave Clark Bankruptcy Strategy

Dear Friend:

You are not alone. You are about to discover your best financial option
today.

My name is Dave Clark and I want you to know that your current
financial situation is nothing more than a starting point. You should
not fear the Chapter 7 bankruptcy means test. In fact, you can use this
tool for a decisive personal advantage.

You have an amazing variety of options provided by law. You have easy
alternatives for cutting credit card payments in half without filing
bankruptcy. You have extremely powerful and unquestionable rights
provided by the US Bankruptcy Code that no creditor can deny.

You may be able to stop making credit card payments today. You could
wipe out all debts in less than four months with personal bankruptcy
and keep everything you own.

Use your options wisely. Consequences follow. I want you to know how to
win the money game with little risk and great rewards. I want you to
know how, when and why you may choose to change the results of the
Chapter 7 bankruptcy means test. These same techniques are equally
advantageous if choosing Chapter 13.

I invite you to consider a proven over-arching strategy to resolve
financial problems. You may or may not be best served by filing
personal bankruptcy. I believe everyone should seek and demand a
beautiful solution that protects you, your family and the ones you
love.

This solution will insure that your financial security remains in tact
and net worth increases dramatically.

It's okay to get excited. Your ultimate solution will guarantee your
future investments grow steadily for years to come beyond the reach of
almost all creditors. Finding your ultimate solution is easier than you
may now think.

The Reason My Bankruptcy Strategies Manual Excites Everyone:

TRUE POWER
* Compare all options before making decisions: Choose among almost
unlimited options both with and without filing personal bankruptcy.
Discover which options work best for you -- down to the last penny
-- using worksheets and instructions. Once you know all long-term
costs and benefits, your best option will leap out at you.
* Use the means test for personal advantage: This test determines if
you qualify for Chapter 7 and Chapter 13. If you earned too much in
the past, you cannot file Chapter 7 today even if you are
unemployed. Without a regular income or sufficient income, you
cannot file Chapter 13. However, there are solutions.
* Use proper timing: You can file personal bankruptcy too quickly or
too slowly which will needlessly cost you exempt property.
* Use attorney fee caps effectively: Find out how to interview,
select and manage attorneys for the best results. Not all attorneys
are equally matched. Not all attorneys charge the same rates. Find
out how to manage attorney fees easily while receiving excellent
representation.
* Prepare for personal bankruptcy: All transactions before personal
bankruptcy are suspect. Find out how to use your available funds
safely to keep all property owned, eliminate priority debts, and
maximize the discharge of all debts.
* Know in advance how much you will save: Calculate how much you will
spend, how much you will save, and your probable net worth in five
years.
* Avoid personal bankruptcy: You must understand the benefits and
burdens associated with all alternatives to make a rational
decision. Finding your best option will be easy.
* Know what to do while a bankruptcy case is pending: Jump-start life
after bankruptcy and wealth building plans.
* Ultimately, wipe out all debts and keep all property you own: Stop
the nonsense. Stop listening to banks, their lobbyists and their
media partners. Protect your future. Begin rebuilding financial
strength and security within months.

With a little help, you can claim your rights guaranteed by the U.S.
Constitution and the U.S. Bankruptcy Code and perhaps avoid personal
bankruptcy altogether. However, if you do file, nail it for the
greatest benefits possible. If you pay the price, you deserve the
benefits.

Why Should You Listen to Me?

Practicing law is not a science even though applying black-letter law.
There is always a little wiggle room when appearing in court,
differences in attorney abilities, and small biases and preferences
that juggle each judge's rulings.

Add a high level of experience over 25 years, and the wiggle room
becomes a highly profitable and predictable advantage for the winning
side. When you know a probable outcome in advance, you are not
gambling, you are an expert with a decisive advantage. Experience is
the key for exploiting these advantages with precision.

You too could probably go to law school and practice law for 25 years.
At this point, after representing over 5,000 clients, you too will know
with a high degree of certainty what, when, and how to claim maximum
advantages using both Chapter 7 and Chapter 13.

I graduated with a B.S. degree in Economics and a minor in Finance. I
worked as bank examiner for several years before going to law school.
Once graduating law school with honors in 1984, I accepted a job as an
associate in large metropolitan law firm and represented some of the
wealthiest corporations in the U.S. However, I was not satisfied. No,
not at all.

I knew the attorneys representing large corporations. I had been one of
them for five years. I knew their level of expertise and their tactics.

I found my true calling and fell in love with practicing law again. I
began working harder to earn less representing ordinary workaday
consumers. I began thinking of large corporations as bloated whales,
driven by arrogance and greed, as they systematically rolled over
working moms and pops. I became fascinated with fairness, liberty and
justice for all. I demand the fair and impartial application of the
U.S. Consitution for all. This is fun. This is gratifying despte all of
the wealty special intersts that attack me daily.

I upped the ante and swore to bring a great fight to their front door.
That was 20 years ago. I grew as a person and recognized the greater
bottom line: people matter, not paper.

You and I will see FOREVER from the top of a pristine mountain. My love
for the law and this pure purpose still drive me. I smile often, daily,
proudly. I remain more committed than ever before.

My life has purpose. I have destiny. I want to share the realization of
my dreams with you.

Compare Your Personal Options First

Everyone coping with a financial problem has extraordinary options.
Your options are almost unlimited. The best results do require a
solution designed with the end game in mind. You may want to compromise
your personal options in one area to maximize another to achieve the
best overall outcome. With one over-arching strategy supported by many
complementary tactics, your best results can be virtually guaranteed.

The best way to see your potential end result, in advance, is use a
common measure. You may even want to mix and match the most profitable
benefits and advantages of the following alternatives:
* Consumer Credit Counseling - the free course required as a
condition of filing bankruptcy (certificate of completion
required). They will try to create a monthly budget that pays all
of your debts and bills
* Debt Management Plans - a low cost service for renegotiating
interest rates and penalties owed on unsecured debts
* Debt Settlement Plans - a more aggressive service for settling
unsecured debts for a percentage of the principal due, with payment
spread out over several years
* Debt Consolidation Loans - new loans requiring new approval to
combine debts (Many dangers here)
* Home Equity Loans - new loans using your home as collateral to pay
off other debts (Many great dangers here)
* Personal Chapter 7 Bankruptcy - the complete discharge of most
debts without payment of any kind
* Personal Chapter 13 Bankruptcy - the discharge of debts after
making partial payments over three to five years
* Personal Chapter 11 Bankruptcy - both discharge and reorganization
of debts in a plan of five years or more
* Private Debt Negotiation - The individual settlement of debts
yourself or with the assistance of an attorney
* Litigation of Select Debts - Invalidating or settling debts through
the civil legal system (without filing bankruptcy), with rights of
discovery, deposition and jury trial to resolve disputes

In my personal bankruptcy strategies manual, I explain the advantages
and disadvantages of each of these alternatives. In some cases, using
four or five of these alternatives creatively will maximize your end
result. I have included a series of worksheets and instructions
intentionally designed to help you find your ultimate solution.

You will see, in dollars and cents, how each of these alternatives
could help you. You will complete worksheets in the privacy of your
home to reveal your best option. You will know, with a high degree of
certainty, how much you may potentially save using each option. No more
guessing. No more excuses. You will know how each option will change
your life.

You will create a side-by-side comparison of your expected results over
five years. This should be your common measure when comparing your
costs, benefits, advantages and disadvantages. A five year period
equalizes differences in possible options and is essential. Once you
know what to do (using included instructions and examples), completing
my worksheets is easy by design.

There is no reason why most people cannot use all of these alternatives
as they see fit. We are free to combine options and alternatives to
design your beautiful solution.

Your Timing is Critical

Simply knowing that you have alternatives is not enough. You must use
your options at the proper time and in the proper sequence.
Unfortunately, many people procrastinate with the best intentions.
However, as time slips away, many good people with high hopes lose the
ability to keep all of their exempt assets and discharge all debts.

Start early. A few weeks or a few months can dramatically change
results.

The best time to compare your personal options is when you first have
problems paying your monthly bills. At this point, you may be able to
avoid personal bankruptcy altogether, but also maintain all bankruptcy
rights and benefits if filing bankruptcy later becomes necessary. Safe
play. Highly profitable. You keep all property and assets yet remain in
control.

If creditors and collection agents are calling, you have less time to
plan and fewer options. If you are facing a notice of foreclosure,
eviction or repossession, your options are needlessly limited. However,
you still have many powerful and highly valuable options.

Success using an optimized bankruptcy strategy is not an accident.
Success requires planning in all situations. Look before you leap in
desperation. Know the deal you can get before you accept.

You must have time to discover what you want, what makes the most sense
for you, and have time to act. Then, your personal solution will unfold
with uncanny precision and a full bankruptcy discharge will be quick
and easy. Thoughtful planning is true power.

Think of it as a game. First, you have an idea and decide on a plan.
Then line up the dominoes. Then file bankruptcy. Then with the
slightest flick of a finger, everything falls in place, at the proper
time, in the proper sequence, with automatic precision. Your
competition will be dumbfounded. No problems. You were first to act.
You win.

Great Results are Easier than You Think

You do not need an attorney to compare options. You do not need a
financial analyst to recognize a good deal. However, you must spend a
little quality time organizing your personal financial records.
Guessing will not work. You must evaluate your records thoughtfully to
determine your best options (and availability) to discover your best
options today. Then, if or when you are ready, discuss your plans and
options with a local attorney.

The problem you must avoid: Too many people wait until it is almost too
late. They may eventually discuss their situation with an attorney.
However, they show up unprepared. An attorney will then spend an hour
describing limited options and information needed to calculate the
Chapter 7 bankruptcy means test. The means test determines if you are
qualified for Chapter 7 bankruptcy or must file Chapter 13. Without
your records in order, it would take several hours to calculate your
Chapter 7 bankruptcy means test accurately. What a waste.

At this point, you would be stuck with general information and still
not know your options. The result? You wasted your time and an attorney
will not provide another free initial consultation. You might decide to
retain an attorney anyway and hope for the best, without really knowing
what to expect. You may be shocked by your options and results.

There is a far better way to calculate your Chapter 7 bankruptcy means
test results. You may complete the calculation quickly, accurately,
without charge, in the privacy of your home. I prepared worksheets for
you that include instructions, examples and tips for optimizing
results. I show you how to manipulate results. You will know what, why,
when and how to change results in your favor in strict compliance with
the U.S. Bankruptcy Code. This manual means test calculator is far
better than a generic online calculator designed for a
one-size-fits-all approach. It is customized just for you and will
reveal your best options accurately.

I also prepared a sample attorney interview process designed to reveal
which attorneys are qualified, willing and able to maximize your
personal results.

If you are prepared and have your means test results in hand, you can
take the lead. You will be prepared to explain what you want and how
you will keep all property you own. At this point, you will be well on
your way to collect the greatest benefits possible. You will also know
quickly which attorneys to avoid. The best attorneys will discharge all
of your debts in less than four months without court-mandated
supervision of your living expenses.

You must know the proper questions to ask. You will save a tremendous
amount of time and heartache by asking better questions and requiring
better answers.

Use This Powerful System of Bankruptcy Strategies Now, and Stop Wasting
Money

Introducing

Bankruptcy Strategies

Claiming Maximum Benefits Under Chapter 7 and Chapter 13

Bankruptcy Strategies, Claiming Maximum Benefits Under Chapter 7 and
Chapter 13 is a 235 page success manual in a downloadable E-book
format. It is designed to first compare options, determine
qualification for various alternatives including Chapters 7, 11 and 13,
and explain options when filing bankruptcy.

This manual also contains extensive suggestions and examples designed
to maximize personal financial recoveries, increase monthly cash flows
immediately, and build long-term savings and investments using cost vs.
risk vs. reward analysis.

The manual relies on worksheets, instructions and examples to simplify
all topics. To the greatest extent possible, legal terminology is
minimized and topics discussed in a conversational style. The goal is
clarity and full understanding.

The manual never assumes everyone should file bankruptcy, but assumes
everyone should consider all personal options, including bankruptcy,
when preparing monthly budgets and financial strategies. Your personal
financial success is the ultimate goal.

In addition, the manual contains proprietary strategies, tactics and
techniques -- developed over the last 25 years -- that are simply not
available anywhere else.

The list below contains but a small sample of what you will find within
the manual:

Comparing options
* How to prepare a monthly budget correctly (worksheets and
instructions included)
* What to expect from free consumer credit counseling services.
Discover why these services are free, how they can be beneficial,
what to avoid, plus limitations of services provided
* Why affiliated debt management plans are so cheap to setup but can
cost so much over the long term. Learn what to look for and avoid
* How and when to use debt settlement plans to avoid bankruptcy.
Learn why the setup cost is greater, how payment reductions run
deeper, and when the setup cost can be deferred into the plan
* Why some debt consolidation loans reduce payments yet increase
costs. Learn when and how to use loans effectively
* The best use for home equity loans and when they should never be
considered
* How to compare the benefits of Chapter 7 to Chapter 13 accurately
* When to consider free bankruptcy layers, free bankruptcy filings
and pitfalls along the way
* Why and when to consider retaining an attorney for private debt
negotiations and/or litigation
* How to maximize benefits using multiple debt relief tactics
* How to combine debt relief alternatives effectively without
compromising bankruptcy rights
* Comparison worksheets and instructions, including how to calculate
real costs and benefits accurately over five years for all debt
relief options

Pre-bankruptcy Planning
* How long does bankruptcy last? It depends on you. You can finish in
less than four months, if you know how. Find out who may file
personal Chapter 7 bankruptcy. Discover what you can do to make
sure you personally qualify.
* Discover what assets are at risk in personal bankruptcy and how to
prevent seizures
* How to protect assets safely before filing personal bankruptcy
* Should you file bankruptcy for free? Can you file bankruptcy for
free and still receive high-quality representation?
* How to maximize exempt assets and keep all property owned, even
with a free bankruptcy filing
* How to avoid prohibited financial transactions that will always get
you in trouble
* Foreclosure vs. bankruptcy, what's the difference? Plenty, I show
you how to prevent foreclosure, keep property and eliminate debts
* Gray area financial transaction that could get you in trouble if
not completed correctly
* How to guarantee a full and final discharge of debts without
payment of any kind. Can personal bankruptcy eliminate past
judgements? Find out how to discharge judgments with few
restrictions
* The best and worst debt payments to make before filing bankruptcy
and how they affect your end results
* Find out what is and is not disclosed in the personal bankruptcy
estate (looked at closely by trustees and the courts)
* How retirement plans are treated in bankruptcy and why they can be
the best investment you will ever own
* How to protect your homestead and keep it in both Chapter 7 and
Chapter 13 when payments are past due. Can bankruptcy stop
foreclosure? Find out how
* What a fully owned corporation can and can't do for you when filing
personal bankruptcy
* How the courts deal with wealth protection plans. Find out what you
can and cannot do to protect non-exempt assets
* Why limited liability partnerships and companies still provide
effective asset protection from the reach of creditors
* Find out how far back trustees and courts look back at financial
transactions in personal bankruptcy
* How the courts and the IRS deal with offshore accounts
* The ability of trust funds to protect assets in personal bankruptcy
* How to plan for the best results, keep all assets, retain all
income, and eliminate all debts
* How often can you file personal bankruptcy? Get the facts
* How to use free bankruptcy lawyers effectively.
* Tips if you file bankruptcy yourself and must appear at a hearing.
* How to file for bankruptcy for free using a top attorney.
* How to influence the results of the Chapter 7 bankruptcy means
test.
* The best ways to influence the means test for bankruptcy.
* Things to avoid when taking the Chapter 7 means test.
* How long does bankruptcy lasts and how to shorten your time in
court dramatically.
* How use a means test calculator effectively.
* How to exploit Chapter 13 differences in your favor.
* How bankruptcy can stop foreclosure immediately without payment of
any kind.
* Use bankruptcy to eliminate judgements for taxes.
* The proper way to fill in free forms for filing bankruptcy and
avoid problems later.
* How to for bankruptcy a second time and wipe out all debts.
* When when not to use a top bankruptcy attorney.
* How to find a top pro bono bankruptcy attorney who will accept your
case.
* How to receive free legal advice from top bankruptcy attorneys.

Personal Bankruptcy Strategies
* When to convert from Chapter 13 to Chapter 7 and receive a full
discharge
* When to convert chapter 7 to chapter 13 and devastate creditors
* Why filing Chapter 13 may be your best option when filing
* How to avoid dismissal of a case and why so many people fail
* Find out what really happens when you file bankruptcy and the depth
of record searches
* How to work with attorneys effectively, how to testify, and what
you should and shouldn't say
* What an automatic stay can and can't do in personal bankruptcy,
plus why it is so powerful
* How to invalidate liens, priorities, claims and prior payments for
personal profit
* How to use the cram-down procedure to invalidate liens on vehicles
in Chapter 13, plus how to release liens and keep vehicles in
Chapter 7
* Why doing nothing can trigger an imputed income trap, create
phantom income, and result in make-believe tax liability that will
be enforced by the IRS
* How private debt negotiations before personal bankruptcy can pay
handsome dividends in Chapter 7 and Chapter 13 (describing the most
successful tactics)
* Find out how your income will be affected (how much you keep) after
filing personal bankruptcy in Chapter 7 and Chapter 13
* Rules that apply to new loans while bankruptcy cases are pending,
what property you can buy and what property you can sell
* Full explanation, worksheets and instructions for the means test
calculation
* What the means test does, how it is used, and why test results
constantly change
* How and when to calculate the means test for maximum advantage
(with instructions, examples and tips)
* How to pick the best filing date for all bankruptcy chapters
* How to keep collateral in both Chapter 7 and Chapter 13 when
payments are past due
* The way priority debts (including past due child support and back
taxes) are repaid in Chapter 7 and Chapter 13
* How to keep your home when facing foreclosure
* How to keep your vehicle when facing repossession
* How to keep credit card charge privileges when filing bankruptcy
* Why your discharge may be denied, actions that can result in
dismissal, and debts that can never be discharged
* Debts that might not be discharged unless handled correctly, plus
options if your attorney makes a mistake
* When and how a discharge becomes effective, and the reasons why a
discharge can be revoked
* When to convert from one chapter to another to claim maximum
benefits under both chapters

Common Questions
* Are free bankruptcy lawyers any good? Do you have any tips for
using free lawyers?
* Can you file bankruptcy yourself and receive a full discharge?
* Can I file for bankruptcy for free and still receive full benefits?
* Why is the Chapter 7 bankruptcy means test so important?
* Is the means test for bankruptcy mandatory?
* Can the chapter 7 means test change month to month? Discover how
the legally change the chapter 7 means test with just a little time
to plan
* How long does bankruptcy last in a typical Chapter 7 case?
* What is the best means test calculator? Should you trust a free
means test calculator online?
* Do bankruptcy Chapter 13 differences really matter?
* Can bankruptcy stop foreclosure and save my home if I can't make
payments?
* Does bankruptcy eliminate judgements for nonpayment of student
loans?
* Are free forms for filing bankruptcy acceptable to the court?
* Can I file for Chapter 7 a second time and wipe out all debts
again?
* Is it worth the money to retain a top bankruptcy attorney?
* Will a pro bono bankruptcy attorney do a good job?
* Is a bankruptcy free consultation valuable? How many bankruptcy
free consultations should I request?
* Can I talk to top bankruptcy lawyers free of cost an obligation?

Life After Bankruptcy
* Why and how filing bankruptcy can improve your credit score
* How to rebuild your credit score quickly after bankruptcy using
time tested techniques
* Timing the sale of assets, new loans and credit after filing
bankruptcy
* What you can do if you omit a creditor when filing bankruptcy
* How to use credit cards for profit, without being screwed
* How and when to start saving after filing bankruptcy
* Why total income is not as important as disposable income
* How to get a new vehicle loan
* How to get a new home loan
* How discharge effects job applications, and what you can do about
it
* When and how to implement an investment strategy after filing
bankruptcy
* How to clean up your credit report and remove errors

These topics are all covered plus many more. The manual relies on an
extensive use of examples. Personal bankruptcy strategies are discussed
to help each reader discover their best options, how to combine
available options, and how to use a local attorney effectively to claim
all benefits.

Why Exclusive Personal Bankruptcy Strategies?

The manual is designed so that we work as a team. I will explain your
personal options and why some are much more valuable than others. I
prepared worksheets, instructions and examples to help show you the
way. Ultimately, you must decide if finding out the true value of your
options is worth your time and effort.

Example: If you use the official means test form, you may be forced
into Chapter 13. If you use my means test form and pay attention to
suggestions and examples based on refinements in case law, you may
reduce your disposable income by $350 a month and qualify for Chapter
7. Over 60 months, you will save $21,000 in unnecessary cash payments.
Is an extra $21,000 in cash worth a few hours of your time today? You
will avoid five years of court supervision living on a court-mandated
budget in personal bankruptcy. You could be debt free in less than four
months.

With the benefit of interviewing many thousands of clients, I designed
the manual as a means for each person to ask better questions, at the
right time, and offer solutions to the greatest challenges faced when
filing personal bankruptcy.

Once you run through the manual and complete your personal worksheets,
you will know what options are available, how much they cost, and how
much they are worth to you. Your best option will be clear. You will
also be prepared to file personal bankruptcy almost immediately if
necessary. You can do this from the privacy of your own home. Keep your
options open.

My number-one priority is to maximize your personal benefits and
financial security using all legal means. You may find bankruptcy is
not your best choice. Yet, if bankruptcy is your best choice, you also
deserve full disclosure and should understand how benefits multiply
many times over when exercising options correctly and using your right
of conversion effectively.

To file personal bankruptcy profitably, you should eventually retain a
local attorney. Your future attorney's job is to file a case and get
you a good deal. My job is to offer observations regarding the best
results obtained over many years by highly motivated debtors who
achieved extraordinary success by filing bankruptcy. With time to plan,
this is easy.

Sadly, many people find attorneys who are simply lazy or disinterested
and do not explain these options fully. Even worse, when time is short,
the best attorney in the country can not change your financial history.
However, once you are prepared, made good decisions over the last six
months, and ask the right questions, at the right time, with
confidence, any attorney you retain must provide you with full and
responsive answers. You have power.

All attorneys must answer specific questions fully and accurately,
otherwise they commit malpractice. I will show you how to put an
attorney in a box. I will show you how to pull strings and make
attorneys dance like puppets. The key is asking the right questions at
the right time when your financial records reflect good planning.

The Secrets in My Bankruptcy Strategies Manual are Not Available from
Any Other Source:

Many people ask, "Can I file for bankruptcy for free?" I never
recommend filing personal bankruptcy without a lawyer. Watch out if you
dare consider free bankruptcy kits. To achieve your best results, you
must eventually retain an attorney. The risk of filing bankruptcy
yourself is simply too great. If you must ask "Can I file bankruptcy
for free," the best answer is a qualified yes, but only if you rely on
a free bankruptcy lawyer who provides quality legal advice.

But then again, many people do achieve acceptable results negotiating
credit card payment reductions without an attorney. Small reductions
are easy (up to 50%). Deep reductions require a degree of inside
knowledge and solid technique. The key here is to avoid compromising
your rights if filing bankruptcy.

People also ask, "Can I file for Chapter 7 a second time?" Yes, I'll
show you.

Also included in my personal bankruptcy strategies manual you will
find:
* Bonus #1 - Top 10 ways to thrive immediately after bankruptcy -
jump-start your savings, quickly rebuild credit scores, and insure
your success with these time-proven tactics.
* Bonus #2 - Winning strategies for negotiating debt settlement
yourself - Find out how easy you can negotiate small credit card
payment reductions. Discover how the pros routinely settle debts
for less than 50 cents on the dollar and slash interest rates for a
two to three year payout.
* Bonus #3 - How to stop unethical collection agents and practices -
Put an end to annoying collection calls and nasty letters, forever.
If you document unethical behavior and can prove it in admissible
form, you have a one- year statute of limitations to collect
damages from debt collectors.

If you were to retain an attorney to explain all of the information
contained in my bankruptcy strategies manual, you would easily spend
more than $5,000 and probably much more, plus spend weeks discussing
options. You can discover this information for yourself in the privacy
of your own home.

All content is cleansed of legal jargon to the extent possible. All
information is provided in a format easily understood by all work-a-day
neighbors and friends.

Don't Spend $1,000 $2,000 or More on Attorney Fees

Get this Powerful Information NOW and Live Your Life Debt Free

Add to Cart-

Order Now and You'll Also Receive:

The Power to Change Qualification for Chapter 7

and

Change Chapter 13 Plan Payments

Your means test results must be provided to the court in every case
filed under Chapter 7 and Chapter 13, calculated as of the day you
file. This test is based on an official formula that determines your
Monthly Disposable Income. And no, the result is not what most people
think about when deducting necessary living expenses from their total
income. The formula contains a few requirements that are simply
bizarre.

Be aware, results change monthly. Qualification for personal Chapter 7
can change quickly. The amount of potential Chapter 13 plan payments
can rise dramatically if you waste your deductions by paying
unnecessary debts. An attorney could charge you $400 or more each time
you calculate the means test result before you file.

By trying to pay debts one more month, you can screw yourself for five
years.

As part of the personal bankruptcy strategies manual, I provide you
with worksheets, instructions, examples and tips designed to optimize
your personal bankruptcy result. Chapter 7 and Chapter 13 means tests
are explained. Once you understand the test, you will be able to
calculate the result easily anytime you wish with optimized forms.

You can now monitor your personal progress constantly. You will see how
easily results can change, why, and what you can do about it. You will
save a few hundred dollars a month, and perhaps avoid Chapter 13
altogether. If you pay attention carefully, you will save thousands of
dollars in wasted Chapter 13 payments and be debt free in a few months.

You can calculate the means test result in privacy of your home --
without paying an attorney. You will see how easily small changes
create significant swings in test results.

You have the power to change results legally, ethically, and in
compliance with the U.S. Bankruptcy Code. The test result is based, in
part, on how you spent your income over the last full six months. These
choices include which debts you paid, which debts you choose to let
slip past due, and the way you incurred expenses.

You deserve full disclosure. Your decisions each month matter. You now
have the ability to know how the means test affects your personal
future and plan accordingly.

This ability alone could determine if you qualify to file Chapter 7,
keep all income, and discharge all debts in as little as four months,
or if you could be forced into Chapter 13 after filing and must pay all
of your Monthly Disposable Income to the court for five years.

Given enough time, and by taking the means test at home, you could
easily save $20,000 to $40,000 when filing bankruptcy.

For the means test, time is power. You must allow time to prepare
properly.

Order- Secure Your Guide Now-

Why I Decided to Reveal These Secrets

Misinformation about personal bankruptcy has grown rapidly throughout
the years. In many cases, banks try to scare borrowers with even the
thought of personal bankruptcy. Debt collectors routinely use
harassment, intimidation and threats. In many cases, threats are based
on information that is simply not true. Their actions dance on the
ragged edge of legal compliance, and in many situations, actions go far
beyond legal limits.

I have also seen a thousand smiling faces. The cards and letters I
received throughout the years from my personal clients are priceless to
me. I've seen a constant stream of people regain their confidence, find
new jobs, begin saving, and build investment portfolios. I've watched
their financial security return and grow with amazing success. These
people are my heroes. They made tough decisions when time was short and
choose to protect themselves, their families and their loved ones.

Truly - great heroes - people I am proud to have as friends.

You have many powerful and valuable rights provided by the U.S.
Constitution and the U.S. Bankruptcy Code. No bank may take them away.
All U.S. citizens and residents can claim these rights.

You cannot sit back passively and expect to receive the full benefit of
your rights under the U.S. Bankruptcy Code. You must take action. You
must take decisive action to assert personal bankruptcy rights despite
rampant misinformation. Knowledge is power, but only if you use it.

The Trick is Not What You Do, But When

The means test uses your personal expenses for the last full six
months. Results change each month depending on the debts you choose to
pay and those you choose to ignore. By ignoring certain debts and
optimizing expenses that qualify for means test deductions, you can
dramatically improve your personal test results. Learn how to
manipulate the test with small changes in your lifestyle. Ignore a few
debts and spend more in some areas. You will be amazed by test result
changes. You can create these changes for yourself legally and safely
if you understand how.

Do You See Where We are Going?

Walk with me for a mile or two, together we are preparing you for
personal financial success. We are beginning to create a rock-solid
strategy for eliminating crushing debts and building financial
security. We will make this process as easy as possible, but not
easier. Within my personal bankruptcy strategies manual, you will
discover how to:
* Calculate true financial condition today
* Compare the practical value of all options available to you
* Evaluate each option using a common measure to find your best
options
* Plan strategies and tactics
* Keep the money you earn
* Keep the property you own
* Eliminate all of your debts
* Build savings and investment accounts
* Enjoy life-long financial security

My personal bankruptcy strategies manual was specifically designed to
help you combine many complementary tactics. Our purpose is to discover
your best path to maximum financial success and security using a five
year over-view of realistic results.

In five years, you should look back enjoying the highest level of
financial success you have ever achieved. At this point, you will
realize that all small steps and inconveniences along the way are
forgotten as easily as a grain of sand.

Be proud of yourself for having the gumption to take charge of your
life. Do not fall prey to misinformation, but instead, commit to make
all financial choices based on knowledge, probability, and your
personal best interest. The quality of your decisions today should pay
benefits for the rest of your life.

Sincerely,

Dave Clark

Go Forward

60 DAY UNCONDITIONAL 100% MONEY BACK GUARANTEE

The Best Deal You Ever Make -- True Freedom

Guarantee

I want you to be fully satisfied when purchasing my product. Keep my
manual for 60 days, review it and work through the worksheets.

If you're not thrilled with the information provided, simply write me a
note and tell me why. I will refund your entire purchase price
promptly, courteously and professionally. No questions or reason
required.

I am confident you will find my product informative, insightful and
profitable. I have found hopes that I will receive a note from you
telling me about your personal success.

With your permission only, I will include your success story within
these web pages. This project is all about you and making your life
better, more fulfilling, and much richer.

NOTE: Bankruptcy Strategies, Claiming Maximum Benefits Under Chapter 7
and 13 is a downloadable e-book. No physical products will be shipped.
Please also note, the results obtained from previous customers may not
represent typical results. After you order, you will get INSTANT ACCESS
to download the e-book, all included worksheets and instructions, and
all bonus reports. The e-book is provided in Adobe Acrobat PDF format
that can be viewed on Mac or PC.

Bankruptcy Strategies U.S., � Copyright 2010, all rights reserved.

* Chapter 7 Bankruptcy Means Test
+ File Bankruptcy Yourself
+ Means Test Calculator
+ File Bankruptcy for Free
+ Chapter 7 Means Test
+ Can I File for Bankruptcy for Free
+ Can I File for Chapter 7 a Second Time?
* Personal Bankruptcy Strategies
+ Free Bankruptcy Lawyers
+ Bankruptcy Free Consultation
+ Free Bankruptcy Filing
+ Top Bankruptcy Attorney
+ Bankruptcy Eliminate Judgements
+ How Long Does Bankruptcy Last?
+ Can I File Bankruptcy For Free?
* Means Test for Bankruptcy
+ Bankruptcy Chapter 13 Differences
+ Can Bankruptcy Stop Foreclosure?
+ Free Forms for Filing Bankruptcy
+ Pro Bono Bankruptcy Attorney
+ Convert Chapter 7 to Chapter 13

End of Abstract

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