Bankruptcy Petition Preparer -- What They Can and Cannot Do

What Is a Bankruptcy Petition Preparer?

A bankruptcy petition preparer (BPP) is a non-attorney who helps you fill out bankruptcy forms for a fee. BPPs are regulated under 11 U.S.C. Section 110 and are strictly limited in what they can do.

BPPs CAN: Type your responses onto the official bankruptcy forms based on information you provide
BPPs CANNOT: Give legal advice, help you choose exemptions, recommend which chapter to file, or represent you in court
Fee limits: Courts in many districts cap BPP fees at $150-$200

Penalty for unauthorized practice: BPPs who give legal advice face fines, disgorgement of fees, and even criminal prosecution. If your BPP is advising you on legal strategy, they are breaking the law.

BPP vs. Attorney vs. Filing Software

BPP ($100-$200): Cheapest human help. Good for data entry only. You must understand the law yourself.
Attorney ($1,000-$3,500+): Full legal representation. Advises on strategy, exemptions, and handles your case.
Filing software ($0-$300): Guides you through the forms with explanations. Upsolve (free for Chapter 7), BankruptcyHQ, and others.

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