713Bankruptcy.Com's Blog

http://www.vbacertification.com

We are happy to report that the popularity of the VBA Certification Exam is growing. In fact, it is growing so rapidly that we have had to implement a change in the way Part 2 is graded. We hope these changes will result in a better turnaround process as well as a better grading system for our Certified VBAs.

In the past, people downloaded Best Case software, prepared a bankruptcy petition and emailed the Best Case file to us. Next, we scheduled a live conference and graded the bankruptcy petition skills of the VBA.

One of the major problems with this process was that some people did not use Best Case software. They were forced to learn another software program versus the one they were using. We do not believe it is fair to force a VBA to test on software they are not familiar with. Besides, we only need the print out of the bankruptcy petition itself. It does not matter to us which software program you use for the Exam.

Secondly, scheduling conflicts prevented us from meeting with the VBAs and conducting the meetings at convenient times. In many instances, we would go back and forth with scheduling conflicts for 1 or 2 weeks while the VBA waited for their grade. Also, due to heavy call volumes, Victoria Ring would try to schedule Part 2 VBA reviews in the evenings. Due to time zone changes, the evenings could be very late for some VBAs and early mornings were also a problem.

The Solution

The solution to these problems has now been solved. VBAs can now use any bankruptcy software program they want to take their VBA Certification Exam and VBAs will no longer need to schedule a meeting to review Part 2 of the Exam. Instead, VBAs will prepare the petition in the software program they are most comfortable with. When finished, they simply print the bankruptcy petition as a PDF and the actual Federal Forms and Schedules are graded on 40 specific areas.

After the grading of Part 2, an average score is obtained by adding up the score for Part 1 and Part 2; then dividing by 2. Also, a 10% bonus award is granted on Part 2 if the VBA successfully can send the document by email in PDF format. The reason this step provides bonus points is because in the real world, a VBA will normally email a PDF to the attorney for review. We need to ensure the VBA has this skill and this step in the grading process will verify that.

VBA Scores Appearing on the Front Page of the NAVBA Website

A complaint we had with VBAs who passed the VBA Certification Exam is that their score was listed on the front page of the NAVBA website. This is okay for people who achieved a score of 90% or higher; but if a VBA earned a lower score, they were not happy that it appeared for the entire world to see.

For a better understanding, let me explain the reason why the VBA Certification Exam scores appeared there in the first place. In the beginning I listed people who passed the Exam in alphabetical order. But people complained. They wanted to be listed near the top and would name their company something like AAA Petitions just to be there. I felt this was creating unnecessary competition and tried to come up with a solution.

Next, attorneys were calling, asking me who scored the highest on the VBA Certification Exam. I could not remember off the top of my head the scores for everyone, so I had to tell them to go through the list. Naturally, the attorney started at the top of the list and those who were near the bottom were never contacted for work. Again, the system was unfair and I knew I had to come up with a solution.

That is when I decided to start listing VBAs in the order of their score on the VBA Certification Exam. But now, this has caused a problem for those scoring lower than 90%. In fact, we actually have people who try and manipulate their score just to get near the top. For example, some people will take up a great deal of our time, arguing with us that the answers we have are wrong. Even after explaining why their answer was wrong, they will try to force us to give them bonus points, or they will change their answer and try to manipulate credit.

It is amazing what people will do for a score when the solution is simple: Study and improve your skills, then take the test. However, some people feel it necessary to cut corners because they believe they are going to make money much faster. It is unfortunate they do not realize that attitudes like this actually lower their score. We believe that people who take short cuts with their own self-interests in mind will not be caring to debtors and will be inflexible when working with attorneys. Both of these qualities are very important to have as a virtual bankruptcy assistant.

The Solution I Have Implemented

To solve these problems I have decided to list the name, link and point score only, if the person achieved a grade of 90% or higher. Anyone who scores lower than 90% will still be listed on the NAVBA website but their exact score will not be mentioned and they will be listed in a separate area. Hopefully, this will prevent these past problems and help to keep the VBA Certification Exam an honest evaluation of the skills of a virtual bankruptcy assistant.

I am in the process of redesigning the front page of the NAVBA.ORG website now to implement these changes. In the meantime, take a moment and download the new VBA Certification Exam at:
http://www.vbacertification.com There is no cost to download and review it.

Thanks to all of you who are in various stages of your virtual bankruptcy assistant career. Do not hesitate to email me or call the office if we can help you in any way. Our organization is growing very strong and very large. I am proud of the accomplishments many of you have made and I wish all of you continued success.

Victoria Ring

By Victoria Ring, 713Training.Com LLC

When I originally developed the first bankruptcy training videos in 2003, I never gave any thought to Best Case or the software program I was using in the videos. My mind was solely concentrated on teaching the skills needed to prepare well-detailed Chapter 7 and Chapter 13 petitions.

The only reason I chose Best Case software for the development of the training videos was because the attorney I was working for in 1999 used it and I was already familiar with how to operate it. Also, at the time, I found it to be the easiest for eliminating the learning curve of understanding the Schedules and Forms for those I was training.

However, before developing the training videos, I contacted John Mancini, the original developer of Best Case and obtained permission to use his software in the development of the videos. At that time, John thought the virtual bankruptcy assistant field was a fantastic idea; but he also knew it would be free advertising for Best Case. Little did I know at the time that John was not a bankruptcy attorney as I had been told. I only found out recently that he and his wife Lucinda Fox worked for Anderson Publishing, not a law firm. John had developed Best Case software to simply fill in the federal forms. His only goal was to make money, not help attorneys and bankruptcy courts.

When the bankruptcy law changed in October 2005, John sold Best Case to the current owner: Wolters-Kluwer Law and Business. This may sound like the name of a law firm but it is nothing more than a publishing company. John sold Best Case in December 2005, only 2 months after the new bankruptcy law took effect. Again, this shows that John was only focused on making money, not to benefit the bankruptcy industry as I had originally been led to believe.

While none of this prior deception really matters to our industry now, what does matter is that within the last year, Best Case has developed some internal management and organizational problems. Because the employees and the company that owns Best Case are not attorneys, they have no clue regarding bankruptcy and our needs. Instead, Best Case has chosen to cause great havoc within their customer base and the VBA industry as a whole. These problems have got back to me and I have been sending certified letters and trying to contact Best Case regarding these matters for about 14 months. Best Case refused to contact me until just recently. This is when I decided to finally bring this matter to your attention to protect our industry from any further misunderstandings.

For example, an attorney who is a member of the NACBA (National Association of Consumer Bankruptcy Attorneys) was a registered user of Best Case. He called them to ask how to install a copy on his laptop. Best Case told him he was committing an illegal act and threatened to sue him. The attorney, knowing that Best Case was wrong, has lashed out with an attack against them. Several bankruptcy blogs are carrying the article and hurting sales for Best Case.

Additionally, Best Case has continually attacked the virtual bankruptcy assistant field. They claim that virtual bankruptcy assistants are stealing the usernames and passwords of attorneys; then using this stolen information to file petitions for the general public. I called and spoke to Bethany Lape, a manager at Best Case and she verified the information I heard was true.

However, I knew it was a lie the first time I heard it. Think about it; even if ECF usernames and passwords were being stolen, the day the 341 Meeting took place, the attorney who had been victimized would not be present. The Trustee would simply throw the case out of court and the non-attorney who filled out the petition would be fined. Therefore, stealing the username and password of an attorney would be worthless.

Next, I explained to Bethany that employees of Best Case were using my name and specifically telling potential customers who called in to buy their software that our industry was illegal. Again, I caught Bethany in another lie. She told me that she had no idea this false information was being relayed by Best Case employees. In fact, in order to put a stop to it she would immediately have an office meeting with the staff as soon as we ended our telephone call. Bethany even provided me with her direct email address and phone number, asking me to call her if I heard of any Best Case employees doing anything like this again.

However, three different attorneys and two virtual assistants called Best Case to make inquiries of Bethany. In all instances, Bethany was the one who was slandering me, my company and our industry. One virtual assistant even recorded the conversation to prove it. It really blows my mind how people can lie to your face knowing they have the potential of being caught.

BUT WHY WOULD A COMPANY DO THIS?

Why would Best Case deliberately victimize their product and force customers not to do business with them? Why would Best Case slander my name and company when I have generated millions of dollars in sales for them during the past 11 years? Why would Best Case tell their licensed attorneys that the software versions they purchased were illegal. Also, why would Best Case tell an attorney that he or she could not hire a paralegal to work for them but could only use their software if they keyed in the petition themselves? A preacher once said: If it does not make sense, there is a buck in it. Therefore, the only logical explanation I can come up with is that Best Case is trying to go out of business so they can make more money from their company losses. Of course I do not know this for sure, but it makes more sense than what Best Case is doing.

REGARDLESS OF THE REASON, LET US MOVE ON

Like I said before, I did not develop the training videos to benefit Best Case. I did not develop the training videos to benefit any software company. My only goal in developing the training videos was to teach attorneys, paralegals and virtual bankruptcy assistants how to learn Chapter 7 and Chapter 13 petition preparation skills.

Suppose I developed a training video about how to format a professional business letter. Suppose the training video used Microsoft Word for the visual demonstration. Does this mean that you must purchase Microsoft Word to type a professional business letter? Of course not. You can use Notepad, WordPerfect, HTML or even an old 1970s IBM Selectric typewriter. It does not matter to me what you use to type the business letter. My only concern is that you learn the skills needed to format a professional business letter.

Therefore, I highly suggest that you not concentrate on the keystrokes I use in a software program to prepare a bankruptcy petition. Use the training videos to learn the skills of preparing a bankruptcy petition. After you learn these skills, you can choose any software program you want to use for preparing your bankruptcy petition; it does not matter to me and it will not affect the skills you have learned from the training videos.

WHICH SOFTWARE PROGRAM DO I RECOMMEND?

After my disappointing telephone conference with Best Case, I contacted Frederick Rogovy, the owner of New Hope Software and Art Engelbrecht, Vice President of EZ Filing. Below is a summary of the meeting I had with both gentleman:

Frederick Rogovy of New Hope Software is a supporter of our virtual bankruptcy assistant industry. He is also a very honest man that I respect. He took almost two hours of his time explaining the history of the bankruptcy software industry which opened my eyes to many things I was not aware of. He even has a special support system built into New Hope Software specifically for virtual bankruptcy assistants. You can read this information on his website at:
http://bankruptcysoftware.com/virtualassistantfeatures.shtml

Art Engelbrecht and the original developer of EZFiling, Marty Mohr; drove 70 miles from Denver, Colorado to my home in Colorado Springs to meet with me personally. I was as impressed with both of these gentleman as I was with Frederick Rogovy and found them also to be honest men. EZFiling also approves of the virtual bankruptcy assistant industry and is well aware that our skills benefit both the law firms as well as the bankruptcy courts.

SO WHAT IS THE PROBLEM?

The problem is that both New Hope and EZFiling software can only be licensed to attorneys. Virtual bankruptcy assistants cannot license it; but they can use it under the license of the attorney they are working for. This is a problem for virtual bankruptcy assistants. Suppose you market to attorneys and an attorney hires you to do his or her petitions. You tell the attorney that you are saving the law firm money and you will provide them with a completed petition. However, there is only one hook. The attorney must pay $100s of dollars to purchase a particular software program.

When I presented this scenario to Marty Mohr of EZFiling during our meeting, he said: But if a virtual bankruptcy assistant purchases a license and works for 15 attorneys, my company just lost 15 sales.

This is an excellent point and I certainly understand it. I am sure this is the same reason why Frederick Rogovy does the same thing. However, there must be a solution to this dilemma. At this time, I am working on solving this problem and I welcome any suggestions you may have.

One solution would be for 713Training.Com to hire a programmer and invest into the development of a bankruptcy software program specifically for virtual bankruptcy assistants. This way I could develop the software with features that would make our jobs easier. However, I would prefer to find a software program that was developed by a company that allowed us to purchase it and use it to prepare bankruptcy petitions for an unlimited amount of attorneys.

IN THE MEANTIME, WHAT SOFTWARE SHOULD YOU USE?

The training videos I developed are still the only videos that teach you the skills of preparing well-detailed Chapter 7 and Chapter 13 bankruptcy petitions. Attorneys, bankruptcy courts, paralegals and virtual bankruptcy assistants use them all the time for training. When you purchase them, you can download any bankruptcy software program to practice and develop the skills you need. During your training period you should only be concentrating on learning the skills anyway, not the software program you will ultimately use in your virtual bankruptcy assistant business.

However, when it comes to purchasing a license, wait until you have an attorney to work for. Then find out what software program they use. If the attorney has a licensed copy of New Hope or EZFiling, you can use their license at no additional fee. This will save you money and you do not need to make any additional financial investment.

But, if the attorney you are going to work for as a virtual bankruptcy assistant does not have any software program, there are others you can choose from. Visit:
http://www.713training.com/links and scroll down to the BANKRUPTCY SOFTWARE section

Or, you can purchase Best Case software. Some virtual bankruptcy assistants have no trouble using it for their businesses. Gary in California said that he is treated like a King when he calls Best Case for technical support and they know he is not an attorney. I personally have never had any problems either and I continue to work on cases with attorneys nationwide; however, I am not going to renew my license this year. Therefore, the decision of what software program you want to purchase is up to you.

SUMMARY

This article is not intended to cite a riot against Best Case or to cause people not to purchase their software. Like I mentioned several times, I do not care what software you purchase. The only purpose of this article is to clear the name of 713Training.Com in understanding that we NEVER endorsed any bankruptcy software program through the development of the training videos.

In the meantime, continue to study and practice your skills to perfection. You will find that the virtual bankruptcy assistant is considered to be the greatest thing since sliced bread for thousands of attorneys across the United States. Nothing we are doing is illegal and we will defend this position in a court of law if necessary. We have enough attorneys, paralegals and court personnel who back our industry and utilize the services of our virtual bankruptcy assistants that we do not need to be concerned with the internal problems Best Case is suffering through at this time.

Stay tuned. I will continue negotiations with Fredrick Rogolvy and Marty Mohr. Perhaps we may find a solution to the problem soon so that the virtual bankruptcy assistant industry can continue to benefit the debtor bankruptcy field of law. Please remember me in your prayers regarding this matter.

REFERENCES

New Hope Software
http://bankruptcysoftware.com/

EZFiling
http://www.ezfiling.com

10 Bankruptcy Training Videos
http://www.713training.com/shop/cart.php?m=product_detail&p=35

Because I like to stay on top of things and I want to always improve my own teaching skills, I have listened to and attended many classes, webinars and teleconferences in regard to furthering my Chapter 13 education. However, one thing that all these instructors do is to complicate the process of a Chapter 13. Perhaps they do not realize they are doing this, but I wonder if people leave the seminar or teleconference with more knowledge or more confusion when it is all over.

Other than the fact that I dearly love preparing Chapter 13 petitions, I strive to present my training in an easy to understand format. Below are a few tips to help clear up some of the confusion you may have experienced when it comes to preparing Chapter 13 bankruptcy petitions:

Tip 1: Begin Every Chapter 13 Like it was a Chapter 7

The majority of people who are learning how to prepare Chapter 13s normally already know how to prepare Chapter 7s. Therefore, it is best to begin with what you already know and build upon that knowledge. If you begin working on a Chapter 13 and in the back of your mind you are continually asking questions things like: How is this debt classified?; Is part of this debt unsecured?; How much of this debt is the person going to have to pay back?; or Will this debt be included inside or outside the Plan? you will easily get confused and off track.

Instead, input all petitions as a Chapter 7. Conduct the client intake interview as you normally do, gather up all the market values, do internet searches for judgment liens and criminal search, enter in all the debts, income, expenses and complete the Statement of Affairs in detail. When all of this has been completed and your Chapter 7 version of the petition is totally complete, you can move on to turning it into a Chapter 13.

Tip 2: Changes in the Petition from a Chapter 7 to a Chapter 13

In your bankruptcy software program, you should be able to go into the Voluntary Petition and change the petition you are working on from a Chapter 7 to a Chapter 13. When you do this, the following forms and other information will need to be changed:

** On the Voluntary Petition, the Statistical Information box to indicate there will be funds left over to fund the Chapter 13 Plan needs to be checked.

** Item 9 of the Statement of Affairs needs to be changed showing a filing fee of $274 instead of $299 to the bankruptcy court.

** The Attorney Compensation Statement needs to be changed to show the attorney fee charged for the Chapter 13. Also, the filing fee needs to be changed from $299 to $274.

** If the Attorney is going to be adding fees into the Chapter 13 Plan, you can add this amount into the Plan now. This way, you will not forget to include it.

** You need to find out the trustee fee in your state so the Chapter 13 Plan can be funded correctly. Visit:
http://www.usdoj.gov/ust/eo/bapcpa/20081001/bci_data/ch13_exp_mult.htm

Tip 3: The Statement of Intentions Form

When you change a Chapter 7 petition to a Chapter 13 petition, the Statement of Intentions becomes the Chapter 13 Plan. This is because the Statement of Intentions in a Chapter 7 tells the creditors if the debtor(s) are keeping or surrendering their secure property. However, in a Chapter 13, the debtor(s) are proposing a Plan of how they will pay their debts. They can still surrender assets in a Chapter 13; but if they do, they will not be paid in the Chapter 13 Plan.

Now We Have Come to the Hard Part

This article was not meant to cover the level of training needed to teach you how to balance out Schedule I and J so a Plan payment can be proposed. It was not meant to cover the complexities of classifying different debts. And it was not meant to cover a variety of scenarios that enable you to build skills in developing fair and balanced Chapter 13 Plans. For that I would need a book or a training session where I can work with you one-on-one. Therefore, I have developed a wide range of training options to help you achieve advanced knowledge in Chapter 13s. See below.

Further Your Training at the Upcoming Workshop (Seminar)

The most inexpensive way to accomplish advancing your Chapter 13 skills is to attend the Chapter 13 Plan Training Workshops planned for May 16 and August 14. For only $189.00 you will spend the day with attorneys as well as virtual bankruptcy assistants learning the skills you need to prepare well-detailed, as well as fair and balanced Chapter 13 bankruptcy petitions. I will also work with you one-on-one and you can ask as many questions as you want during the workshop. You will also learn from the questions of others.

I guarantee that when you leave this workshop, you will have more knowledge than 75% or more of the law firm employees (and even many attorneys) in the preparation of Chapter 13 petitions. That is because most law firms and attorneys have never been properly trained in bankruptcy petition preparation skills. I was blessed to be trained by several Chapter 13 bankruptcy attorney specialists and two trustees that I got to know as friends during my career. These great minds were the basis for my knowledge and education and I thank all the attorneys and trustees who taught me these skills. Now, I can pass this insider knowledge on to you, as well as all of the other knowledge I have learned from the variety of materials I am exposed to on a daily basis.

Additional Training to Further Your Chapter 13 Knowledge

May 16, 2009 Workshop in Denver, Colorado
http://www.713training.com/seminar/denver.html

August 14, 2009 Workshop in Los Angeles, California
http://www.713training.com/seminar/los_angeles.html

Personalized Training at the 713Training.Com Training Center
http://www.713training.com/shop/cart.php?m=product_detail&p=98

1 on 1 Personalized Telephone Training (2 hours)
http://www.713training.com/shop/cart.php?m=product_detail&p=84

Bankruptcy Petition Review Training by Telephone (1 hour)
http://www.713training.com/shop/cart.php?m=product_detail&p=86

Summary

Do not make Chapter 13s more difficult than what they are. Yes, Chapter 13 petitions require more skills and knowledge compared to a Chapter 7, and yes, Chapter 13 Plans can be confusing and a little more time consuming. However, I have developed a wide range of training methods to simplify the process into understandable chunks. I have trained attorneys, paralegals and virtual assistants across the United States in these skills and I know they work. Now is your unique chance to learn these skills because with this knowledge, you can write your own ticket to job security in these troubled economic times and get a great satisfaction of helping others in the process.

I wish you the best of success and I hope to meet you soon. I am anxious to share my knowledge with you so that you can benefit attorneys, bankruptcy courts, trustees and the debtors who are filing bankruptcy.

Victoria Ring, CEO
713Training.Com LLC
http://www.713training.com

Free Online Legal-Related Quizzes Recently Developed by 713Training.Com

Have fun and test your knowledge. Try these quizzes and activities today:

Bankruptcy Hangman Game
http://www.quia.com/hm/510753.html

Mix and Match Bankruptcy Phrases
http://www.quia.com/jg/1629116.html

Quiz 01: Is the VBA Business Right For You?
http://www.quia.com/quiz/1790427.html

Quiz 02: General Bankruptcy Knowledge
http://www.quia.com/quiz/1790096.html

Quiz 03: Bankruptcy Schedules and Forms
http://www.quia.com/quiz/1790098.html

Quiz 04: Bankruptcy Schedules A and B
http://www.quia.com/quiz/1790109.html

Quiz 05: Bankruptcy Schedules E and F
http://www.quia.com/quiz/1790101.html

Quiz 06: Unauthorized Practice of Law
http://www.quia.com/quiz/1790405.html

Quiz 07: Ethics, Client Relations and Legal Fees
http://www.quia.com/quiz/1790110.html

Quiz 08: Inside the Law Firm – Part 1 of 3
http://www.quia.com/quiz/1790288.html

Quiz 09: Inside the Law Firm – Part 2 of 3
http://www.quia.com/quiz/1790310.html

Quiz 10: Inside the Law Firm – Part 3 of 3
http://www.quia.com/quiz/1790350.html

Quiz 11: Timekeeping and Financial Management
http://www.quia.com/quiz/1790356.html

Quiz 12: Files, Records and the Law Library
http://www.quia.com/quiz/1790117.html

Quiz 13: Law in the United States
http://www.quia.com/quiz/1790104.html

Complete list of quizzes and activities:
http://www.quia.com/profiles/713training

I hope you enjoy these quizzes and activities as much as I enjoyed developing them for you. I am certain they will increase your knowledge and understanding which will help you to build your skills as a bankruptcy legal professional. Please do not hesitate to provide me with your feedback on developing additional materials to help you do your job better.

Victoria Ring, CEO
713Training.Com
http://www.713training.com

An Easter Blessing
from http://www.servantofjesuschrist.com

Oh How I Love Thee Oh God

Oh how I love thee oh God
Creator of the Universe
Just one word spoken from your lips
And molecules come together to form your creation.
Your power is above my knowledge to comprehend.

You are the God above all gods.
The King of kings. The Lord of lords.
The highest power in existence.
The creator – Jesus Christ.
All of your creation from animals to trees to the smallest atom obey your laws without question.

Only your human creation does not obey your voice.
That’s because out of supreme love you gave humans a free will; to choose between loving you or rejecting you.

I thank thee oh Lord for giving me a heart that loves you.
I thank thee for blessing me while I live in this time.
Without you I could not exist.
You are the source of my joy and my happiness.

You bring me peace and comfort at all times.
You listen to my problems, correct me when I am wrong.
And all I had to do was love you.

I look forward to the day oh God,
When you place my spirit inside an eternal body.
A body that will never die, never cry and never feel pain.
That body will be able to kneel at your feet and worship you in the manner that you deserve.
Because God – you deserve all the praise and glory.

Amen.

Ref: http://www.vbacertification.com

We have had a few people pay for the VBA Exam and then be unable to complete it. Therefore, I am issuing the information below to help those of you who plan to take the VBA Exam.

DEAR VICTORIA:

I passed Part 1 of the VBA Exam but as I reviewed my computers, I haven’t found another test so I believe that I will have to take an “F” for the computer portion (Part 2) of the test. I truly apologize for wasting your time and efforts.

Additionally, because I need to review the computer portion immensely, I wonder in order to take the test again, would I have to pay the original price? Would this include taking the written portion again?

Additionally, could you recommend any reviewing materials to give me better knowledge of Best Case and entering the information?

RESPONSE FROM VICTORIA:

The software program you use to take Part 2 of the VBA Exam should NOT be an issue. All bankruptcy software is basically the same because the Federal Forms of the bankruptcy petition are the same. Additionally, Best Case is not the only software program around. In fact, the company is having several internal problems at the moment so I would use caution in dealing with them right now. Suppose you work for an attorney who uses EZFiling or New Hope software instead? What would you do? Therefore, your focus should be on learning how to prepare a petition, not on the software program itself.

Do you have the 10 training videos I developed? This should be all you need to prepare the petition for the VBA Exam. Or, you can use any software program to take the test. Again, the issue is NOT the software. You are graded on your ability to know how to input a petition. If you are having these problems now, you are not ready to work for attorneys and input their petitions.

Our policy is to grade you on the VBA Exam you pay for. If you must stop in the middle (like you have done) and take a failing grade on Part 2, then you have failed the VBA Exam. This is necessary because the VBA Exam is a test for you in the “real world.” If you were to accept a petition from an attorney and then tell the attorney you needed time to learn a software program, you would jeopardize the life of an innocent debtor. I hope you can understand that the VBA Exam is designed to protect attorneys, the bankruptcy court and the debtors. If you have any problems taking the test, we can only assume you would have problems working for attorneys.

In case you were not aware, 713Training.Com has the ONLY developed test for attorneys to measure skills levels of those who prepare bankruptcy petitions. Therefore, we take the VBA Exam very seriously and only pass people who demonstrate an above average skill set. Because of this, attorneys and courts have come to rely on the VBA Exam as accurate and trustworthy; a reputation we take seriously.

This is precisely why we make the VBA Exam a free download in the first place. You are supposed to look it over and decide if you can pass it before making an investment. Perhaps you looked at the VBA Exam as a way to build your VBA business rather than taking it as seriously as it was designed.

All I can suggest is that you visit http://www.713training.com/shop and purchase training materials to fit your budget. You need to practice and complete several petitions before attempting to take the VBA Exam in the future.

Victoria Ring, CEO
713Training.Com

Offered by Victoria Ring, the developer of the virtual bankruptcy assistant field
http://www.713training.com/trainingcenter/

How would you like to spend a day or two being trained by the developer of the virtual bankruptcy field? What would be the benefits to your business if you learned directly from Victoria Ring, the lady who built a business from scratch in only 9 months working for 56 attorneys and processing an average of 120 bankruptcy petitions per month? This personalized training service is offered exclusively by Victoria Ring at a reasonable price that anyone can afford. So come spend the day in Colorado Springs. Victoria will pick you up from the airport and even pay for your meals while you are here. You will be treated with the utmost of hospitality and return home ready to grow your business and have the ability to start earning a fantastic income almost immediately.

Find out all the details at
http://www.713training.com/trainingcenter/