“Dear Steve,

I have a lot of credit card debt and no way to pay them. I also have no money for a lawyer. I have been unemployed for almost a year, and my payment is due on Friday. I have 300.00 to my name.

I am trying to do a bankrupcy on my own. (chapter 7) I found a website called ZMT processing co. that supplies all the forms I need. Is this co. for real, or just another scammer??

Benny”

The Answer

Dear Benny,

I took a look at the website and it looks like it is a site that processes forms.

The payment URL is DMX300.com and both that domain and DebtorAid.com are owned by a UK company. I have some suspicions that this might be related somehow to a company in California, Miller Document Group since a number of their domains share the same server.

bridgeportdocuments.com
dmz300.com
documentaid.com
easybkservices.com
easydocumentservices.com
guaranteeddocumentsoftware.com
millerdocumentsgroup.com
onlinedocumentservices.com
usadocassociates.com
verant.us
zmdocumentservices.com

One of the domains on that server even claims to remove a bankruptcy from your credit report in months which sounds like illegal credit repair to me.

If you are looking for more of a do it yourself solution then you may want to consider the books published by Nolo Press, How to File for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy.

If you are looking for free or reduced cost bankruptcy help then try this link for bankruptcy pro bono resources.

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

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