Online Bankruptcy Means Testing

A Solid Company with a Solid Mission...

ZMT Bankruptcy was created with one goal in mind… to help people from all walks of life get a fresh start with their personal finances by wiping off their debts in one broad stroke.

We realize the importance money plays in our everyday lives and the stress that comes from not being able to meet all of your monthly obligations. By helping you to eliminate your debts, ZMT Bankruptcy will start you down the path of financial assurance, and help you start over again. Credit counseling is not the answer. Getting out of debt can sometimes be a challenging task, and turning your finances over to another company will not do it.

Our dedicated teams of experienced professionals are here to prepare you prepare everything that you will need for a complete and successful bankruptcy filing. Our bankruptcy document set is court-ready and requires only your signature before filing.

The thought of filing bankruptcy can bring shudders even to the most hardened and although this fear is unfounded, we know exactly what it feels like. This is why we maintain a staff of dedicated customer care specialists with many years experience preparing bankruptcies and dealing with the concerns of real people like you.

Contact us as often as you like. We will answer your questions and be there for you to reassure you every step of the process.

ZMT Bankruptcy continues to set the standard for quality in bankruptcy document creation and customer satisfaction. Our philosophy is simple… to ensure that your bankruptcy filing brings you true financial liberation with the least amount of inconvenience.

What is it like to attend the 341(a) Meeting of Creditors?

This link provides testimony of actual debtors in their own words. The information they share can be very useful if you have never been through the process yourself.
Debtor Experiences at the 41(a) Meeting of Creditors

Review of Bankruptcy Web Sites

This web site reviews bankruptcy help web sites and has useful articles on the process.
Vendorhound Reviews

What Are The Steps Required Under The New Laws?

This web site outlines the step by step requirement of filing under the new laws. This is a bankruptcy provider that offers means test discounts, and their info on the process is accurate, however we do not endorse any other companies other than ours.
Step-by-Step Under New Law

Bankruptcy Law Reference For Consumers

This link is probably the best source of general consumer bankruptcy laws written in easy to understand layman terms.
Consumer Bankruptcy Library

Bankruptcy Law Reference For Attorneys

This is the premier link for bankruptcy laws designed for attorneys and legal professionals.
Cornell Law Library

Companies Offering Discounts for Taking The Means Test

This is a partial list of web sites that will give you a discount off their price if you have taken our means tests. We only list companies that have demonstrated their ability to produce documents the fully comply with the BAPCPA. Linking to these providers is not an endorsement of their services. If you are a bankruptcy preparer and wish to gain XML validation of our means test certificates, contact us for further instructions. As a minimum, we will need to verify that your documents include properly prepared Form 22a that is fully compliant with the means test requirements of the BAPCPA.

Verified Discounter Usabankruptcy

Verified Discounter BridgePortBankruptcy

Verified Discounter Easybankruptcy

Bankruptcy Courts Directory

Directory of all bankruptcy courts BankruptcyData.com

MT-100
MT-200
MT-300
MT-400

Bankruptcy Testing:

100% Accurate Means Tests as per BAPCPA requirements.

Four levels of service to meet your bankruptcy needs.

More clients are referred by attorneys and preparers to ZMT for means testing than any other.

Recommended 3rd party preparers:

We recommend only preparers that use BAPCPA compliant means testers.

Debtor Aid

USABankruptcy

Bridgeport Bankruptcy

As the premiere provider of consumer means testing in all 50 states, ZMT is a perfect fit for thousands of bankruptcy lawyers nationwide. There is no signing up required of you. Simply link to our site or direct your prospective clients to get tested by us before retaining your services.

We issue certificates to debtors who have passed our MT-200 test which they can present to you as evidence of qualification.

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