REVIEW: BANKRUPTCY SOFTWARE has reviewed bankruptcy software for consumers from to make sure the forms were current, auto-populated and auto-calculated properly throughout, explanations provided for each individual question were clear, and were offered at the most competitive price for the individual bankruptcy filer.

In March of 2015, we tested versions of both the Chapter 7 and Chapter 13 bankruptcy software in a simulated bankruptcy filing, using information from one of our testers and a credit report obtained by

To begin our review, we attempted to first validate the claim that their bankruptcy software is updated for 2016. The bankruptcy courts updated their requirements on December 1, 2015, and we needed to make sure that forms were current. Their software came in pdf format, and included 18 forms linked together in one large file. We compared the dates of each of those forms to the dates currently accepted by the bankruptcy courts, and found all the dates from matched the corresponding dates from that site.

Next, we began filling out the forms in the order that was supplied by the software. Text cells (like the debtors name) would auto-populate in the appropriate places throughout the 73-page document. When numeric cells were populated, their totals would be auto-calculated throughout the forms. We were pleased to find that all the creditors names and addresses entered on Schedules D, E and F were auto-populated on the provided Creditor Matrix, saving the time necessary to reenter. We also found that the totals from all the Schedules were auto-populated on the Summary of Schedules correctly.

Next, we attempted to see if there was a system in place to stop us from entering information incorrectly.
  • CHAPTER 7: On Form B22 A-1, there is a command that if "Line 12b is less than or equal to Line 13", do not fill out the subsequent nine-page long Form B22 A-2. When we encountered Line 12b being less than Line 13, we deliberately tried to (erroneously) fill out the subsequent Form B22 A-2. The software would not let us.
  • CHAPTER 13: Similar to Chapter 7's Form B22 A-1, on Chapter 13's Form B22 C-1 there is a command that if "Line 15b is less than or equal to Line 16c", do not fill out the subsequent Form B22 C-2. When we encountered Line 15b being less than Line 16c, we deliberately tried to (erroneously) fill out the subsequent Form B22 C-2. The software would not let us.

    There are several lines of questions from the free forms that are vague to the layperson. The software from provides "Sticky Notes" that you can view that explain what you are being asked so you can answer clearly. claims their bankruptcy software will give you accurate results and save you a lot of time. We found that the organization of the forms in a style that flows from one to another, along with the auto-population and auto-calculation feature, as well as the "Sticky Notes" included to have you avoid Googling several difficult-to-understand questions will save you a significant amount of time. provides bankruptcy software for consumers to assist an individual's bankruptcy filing. The pricing is three-tiered, ranging from $44 to $54.95. The $44 version is for debtors with under 35 unsecured debts, and the more expensive versions have a limit of 64 unsecured creditors. Before purchasing, the individual should run a free credit report on oneself in order to assess which version to purchase. The price compares from slightly lower to significantly lower than competing products currently on the market.

    RECOMMENDATION FOR CONSUMER: For the individual debtor that cannot afford an attorney, this is a valuable tool at an affordable price that will save you time. It is possible to file with the free forms supplied on the government website, this product is proven to avoid human error while cutting redundancies in time to complete the package from several days to about 5 hours. If saving that amount of time is worth it for you, we would recommend this product.

    RECOMMENDATION FOR SOFTWARE: For future versions, we suggest that provide a version that will accept an unlimited amount of creditors. SEE ALSO: Review Award
    Bankruptcy Software Review