NJ Bankruptcy Law Firms

66 East Main Street, 3rd Floor
Little Falls, NJ 07424
NJ Bankruptcy Law Office Logo (Transparent) dictating Ralph A. Ferro Jr., Esq's Law Practice

Bankruptcy Petition Must Be Signed

New Jersey Bankruptcy Lawyer!

With 30+ Years of Proven results!
"I personally meet with You and represent You!"
"I have never Lost a Chapter 7 Bankruptcy Case"
"Experience = Results"
About Ralph A. Ferro Bankruptcy Lawyer

Bankruptcy Petition Must Be Signed

Bankruptcy Petition Signed

Written and Verified by Ralph A. Ferro, Jr., Esq.

Bankruptcy Petitions Must Be Signed

By the Debtor

Although many courts allow fax signatures and other document signing other than the actual “wet” signature, Bankruptcy Courts do not.   When you sign your petition, like an artist, it must have your actual signature.

What Happened When A Debtor Did Not Sign the Bankruptcy Petition?

Attorney electronically filed a debtor’s petition and related schedules with signatures that had been created using software.

  • Software he used was called DocuSign.
  • Attorney did not have an actual “wet” signature on file to back up the electronic signatures.
  • DocuSign allows someone to approve a document by clicking the “Sign Here” button to be treated as the person signing to be his actual signature.
  • Debtor also liked the process and found it safe.

Bankruptcy Court Decision

  • Although the debtor and the attorney felt it was a good process, the Court did not.
  • When the United States Trustee requested copies of the actual signature on file, the attorney produced a signature that was a week after the request.
  • The document was not signed the same date.
  • An electronic signature can be manipulated; someone else could click the “Sign Here” button.
  • Rule 9004-1c (1) c states that, if a registered user files a document with software generated electronic signature, the filer certifies an original signature exists and is on file in the attorney’s office.
  • Court ordered the attorney to complete the online-efiling training on the court’s website and to file a declaration verifying that he had done so. This declaration would require an actual signature.
  • The Attorney was requesting the Court to disregard the timeliness requirements.

Not everyone takes the explicit instructions of the Court seriously.    However, the Bankruptcy Court has specific rules and an experienced bankruptcy attorney goes by the Court’s Rules.

You should choose a Board Certified Bankruptcy Attorney who has proven expertise in the field of bankruptcy and abides by the rules.

Bankruptcy Petitions Must be Signed by the Debtors - for all Bankruptcies:

Please read my client reviews.  

My clients know I care about their cases and their success.

Debtor Rights Protection Attorney

Contact Me Today – Ralph A. Ferro, Jr., Esq.

I provide a free bankruptcy consultation – Bankruptcy Help is available to you today.

After we meet, I will advise you whether which chapter is best for your situation.     My cases go very smoothly because I follow the rules and focus 100% of my practice on NJ Bankruptcy Law for over 30 years.   Experience = Success for my clients.

You will understand each of the three bankruptcy types below.   If Bankruptcy is not right for you – I will tell you .   

I do not cut corners in any part of my responsibilities as your bankruptcy attorney.   When you hire me, you get my expertise as a Board Certified Bankruptcy Attorney.    There are only 8 other Board Certified Bankruptcy Attorneys in New Jersey.      There are approximately 40,000 attorneys in New Jersey – I dedicate 100% of my practice to New Jersey Bankruptcy Law.   I continually stay up to date with new bankruptcy cases and case law so I provide the best alternatives for my clients.

Bankruptcy is a very specialized field and I am committed to provide the best professional service and bankruptcy knowledge to my clients.    If you are struggling with debts and are overwhelmed with your finances, let me help you.  Call me today and I will personally talk with and set up a free bankruptcy consultation at a convenient time for you.   

  • Your future financial success is so important to me.   
  • I am committed to help you move forward.    
  • Let’s meet in the near future to learn more about the benefits of filing bankruptcy.
  • Please read my client reviews.
Chapter 7 Bankruptcy Success
You can achieve financial success