• Report: #194924

Complaint Review: USA Bankruptcy Associates

  • Submitted: Mon, June 05, 2006
  • Updated: Sat, October 20, 2012

  • Reported By:Colfax Indiana
USA Bankruptcy Associates
Internet U.S.A.

USA Bankruptcy Associates ripoff illegal acts against bankruptcy code beware charged too much for incorrect papers Internet

*Consumer Comment: Not so hidden...Also Not in US but a Canuck!

*Consumer Comment: Company may not even be in the U.S.

*Consumer Comment: Other rebuttals hosted are nonsense


*Consumer Comment: Here's a better idea

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People in need, Beware! Your first clue(and mine) should be that they do not have a phone number OR and address to contact them if you have a problem. You can only send them an email, and it is limited in size and you cannot write another email until they respond to the first.

There are laws regulating the business of petition preparers. And this company is very simply breaking them, I am currently trying to pursue how to file a complaint with the US Trustee's office about the scam they are running.

They charge less than an attorney, but you get a whole lot less. They will not give you any advice about what to file, how to file(proper number of copies), and what they do give you is inaccurate and only applies to the federal bankruptcy code. What you have to understand is that every court district has DIFFERENT rules of court about what is required and how to file a bankruptcy properly to avoid it being dismissed.

This service, if you want to call it that, was very quick to prepare my documents, however, the creditor matrix was not formatted properly for my court district, they did not inform me that I needed to file my paycheck stubs as well, and they didn't even have both my and my husbands name on the files. The papers are completely useless and if I were to file them, I am sure my case would be dismissed.

But the biggest SCAM of all is this, as a bankruptcy petition preparer they are required to fill out a certain section of my petition with their address and other important information, then they have to file a separate document to the courts THEMSELVES, in which they tell the court how much they were paid to prepare my petition. When I recieved my original finished documents in an email, I was told by them to ignore that section and leave it blank. Isn't that perjury? Not to mention that I found out the question about whether I paid someone to prepare my papers is asked again at my creditor hearing. So I know that would be perjury!

When I sent them the short 900 letter question via email about what to do about the preparer section, they denied that they told me to leave it blank and that I should fill out whatever information I have on their company and the courts would be fine with it. WHAT INFORMATION is what I ask, I never rcvd their address, phone number, and I don't have the soc sec # of their chief officer, which is all required to be filled out on the paper. They are also supposed to sign my document, which they did not do.

I have a bad feeling that I will never get any of money back. I am just thankful I was able catch the mistakes myself before I made the tragic mistake of filing them incorrectly. I was able to prepare a new petition and the other schedules myself with the help of a different website that I searched for online. It meant a little more work on my part, but nothing major and it was only $20.00 versus the $185 I paid USA Bankruptcy Associates!!!

Please do not use this company! Do your research and if you are in the same boat as I am and can't afford an attorney, you should look into using the forms available online at a much lower cost.

The bottom line is an attorney is BEST, but with the new laws causing costs for a bankruptcy to be upwards of $1500, you may not be able to afford one. Do a little more work yourself by researching the federal code on bankruptcy and your local state code as well.

Just don't believe anything this company advertises, they are in the business of scamming people out of their money, and the crazy guarantee is just a bunch of hype! Don't believe it!

Colfax, Indiana

This report was posted on Ripoff Report on 06/05/2006 06:34 PM and is a permanent record located here: http://www.ripoffreport.com/r/USA-Bankruptcy-Associates/internet/USA-Bankruptcy-Associates-ripoff-illegal-acts-against-bankruptcy-code-beware-charged-too-m-194924. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Not so hidden...Also Not in US but a Canuck!

AUTHOR: blah - (United States of America)

However, this is probably bogus too.

D. Levy 
usa bk Associates 
38 Place Du Commerce 
ILE Des Soeurs QC, QC H3E 1T8 
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#2 Consumer Comment

Company may not even be in the U.S.

AUTHOR: Megabyte - (United States of America)

I was a customer of USA Bankruptcy Associates.  Their service was so bad that I ended up giving up on it and hiring a real attorney to prepare my papers.  They do respond to questions about how to fill out the paperwork, but then only through their website (no phone or email support per se).  When they do respond, the responses are extremely vague, and are usually form-letter responses that fail to answer the question being asked.

They also charge too much for document preparation, in my opinion. 

I'm not sure where the U.S. address on this page came from, but some research into their domain name shows that the server is in israel and the domain name itself is registered to "USA Bankruptcy Associates" in Canada, with a yahoo email address.  (Yahoo email?  come on...)

So: You'll be preparing your U.S. bankruptcy paperwork on a computer located in Israel and going through a company who provides a business address that is in Canada.

I wouldn't say this was a scam per se, since they do provide you with an actual product. The product, however, is not worth the price they charge.  You're far better off finding a U.S.-based bankruptcy preparer.

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#3 Consumer Comment

Other rebuttals hosted are nonsense

AUTHOR: Jeffreyc - (U.S.A.)

These prior rebuttals seems to have no concept or even actually read what transpired. Non attorney bankruptcy petition preparors are listed per 11 USC 110. This is hardly a jealous attorney as was claimed by another but a person ripped off my illegal activity of the company. I have first hand knowledge of the activities of this company and they are in direct violated of federal law. After they have the money they stop responding to any messages and with only a 60 day limit in filing a claim for bank chargeback. As for the rediculous statement of getting what you pay for, the normal rate for a BK is $150 by a non attorney, so $185 with a guarentee is hardly below reasonable.
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#4 Consumer Comment


AUTHOR: Rebutalman - (U.S.A.)

I don't know these fellows, and hold no brief for them at all here. But this individual, Crystal, strikes as something of a pathological "cry baby" and whinner! Crystal does not seem to have any REAL point. Much less any MAJOR or LEGITIMATE point. EVIDENCE OF THAT: she's just rambling and rambling around all over the place in her compaint, jumping from one minor purported "fault" of the bankruptcy preparers, to yet another minor and inconsequential one! Rather, she seems to have an underlying personal axe to grind against this company and the bankruptcy product they provide. She seems to have an underlying, hidden agenda here that she's out to pursue.

Frankly, I'm beginning to suspect that this Crystal may actually be a bankruptcy lawyer masquarading as a "complainant." Apparently, she a disgusted bankruptcy lawyer who seems obviously aggrieved that these other persons are "taking away" her "jobs," since these bankruptcy preparers are providing a far cheaper (the average charge by lawyers fior a Chapter 7, is $2,000-$2,500, and some $3,500 for Chapter 13), far quicker, and in many cases, much better end product, than her fellow lawyers, and so she is now out trying to use the anonimity of the Internet to smear and try to pull down her apparently unwelcomed (unwelcomed by her) new professional "competition."

She sounds to me to be a lawyer! An aggrieved and jealous bankruptcy lawyer merely crying for losing business - and the humongous fees they had customarily charged for bankruptcy - for the fact that there's now a better person doing a better job of bankruptcy, at a far better price, and far faster rate and better quality, than the "lawyer."

We just won't fall for this! We just will not be fooled again - this time!!

Thank you.
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#5 Consumer Comment

Here's a better idea

AUTHOR: Marie - (U.S.A.)

It's good that you realized their mistakes before you filed your paperwork, but you have to remember that most attorneys will charge upwards of $1200 for the simple filing of paperwork. That does not include the court appearances and extra consultations that will almost always be needed even in the smoothest of filings. However, you do get what you paid for, and 185 measly dollars and no physical address should have told you on day one they weren't the folks to pay.

The fact is, anyone who can spell can fill out a bankrupcy petition. Working in the industry myself, I can attest to that--I've seen some crappy ones. It probably would have been better for you to file the papers yourself, if not with a licensed attorney. Each court district has its own website, where you can download the forms you need to fill out already conformed to that district's requirements. The sites also have help pages for pro se filers (people with no attorneys). What too many people don't realize is when you have to make a decision this serious, you need to investigate all routes of action, not just pay someone off to handle your future for you. Even if you were to hire an attorney, which you should have, you still should have been keenly aware of all your requirements because you can't trust anybody but yourself. And if it doesn't work out, you have nobody to blame but yourself. Best of luck to you!
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