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

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.