The Super-duper Money-Back Bankruptcy Guarantee!

Puh-leeeze!

Generally, if something looks too good to be true, it is.

I've talked a little about docu-prep services previously.

But there's one step lower, or perhaps sideways, in the bankruptcy universe. That would be the online-computerized bankruptcy .

Recently I've read advertisements flogging their incredible, amazing, money-back guarantee if the Court doesn't accept the filing!

Well, duhhh.

The Court will accept a filing if it's written in crayon on butcher paper, as long as the filing fee is paid (that's an exaggeration, but not much).

On the other hand, I noticed that the super-duper money back guarantee said nothing about whether the Court (either the Clerk of the Court or the Judge, and remember to worry about the U.S. Trustee's Office and the U.S. Attorney's Office, and also the creditors themselves) would DISMISS the case after it was filed, or whether the U.S. Trustee would file a Notice of Presumption of Abuse, or whether a creditor would file to dismiss the case, or object to the discharge, or otherwise make a nuisance of itself.

It's almost as though a doctor's office would GUARANTEE that after they did a heart-bypass, the artery would be clear, and say nothing about whether the patient would live, or the frequency of infections, or the length of the recovery.

You know?