WHAT TO BRING
During your free consultation, we will help you to determine whether you are a good candidate for bankruptcy, and which title of bankruptcy is best suited for your situation. We will review your debts and your assets, explain the bankruptcy process and answer any questions you may have. Please bring the following information with you:
YOUR CREDITORS & PERSONAL INFORMATION
- A recent credit report
- Copies of all your bills and loans (see below for a checklist)
- Letters from creditors/collectors received in the last three months
- Copies of pay stubs for the past six months.
- If self-employed, a Profit and Loss Statement for that period is required.
- Any documentation regarding other types of income received over the last six months:
- Evidence of pay-off balances on all motor vehicles, i.e., your last lease or loan statement.
- Copies of registrations on all motor vehicles.
- Evidence of current value of any parcels of real estate on which the debtor holds an interest. It is recommended that you contact a real estate broker’s office to obtain a written opinion of value. There is usually no charge for this service.
- Evidence of the pay-off balance on any encumbrances on any real estate interests, i.e.: mortgage statement.
- Copy of your deed, the assessor’s notice or property tax statement.
- Any documentation regarding additional properties you may own – timeshares, rentals, etc. and fee/maintenance for same.
BANK ACCOUNTS, STOCKS, IRA’s, ETC.
- Copies of all bank, credit union, or other depository statements for the two (2) months prior to meeting with our attorney.
- Copies of the most recent statement for all retirement accounts, stocks, 401(k) plans and any loans taken against the accounts.
- If not made in payroll, evidence of any retirement plan contributions made, or retirement loans repaid, for the last two months.
- Copy of the last two years’ tax returns including all attachments, i.e.: W-2’s, 1099’s, etc…
- Any court orders or divorce judgments setting child support or spousal support amounts that you should be paying or receiving, including the order setting regular ongoing monthly amounts and also setting any monthly amounts for catching up on past-due support.
A note about tax records:
Remember to provide all information for your spouse as well (regardless of whether or not he/she is jointly filing with you). If there are documents that require time to obtain, please bring in whatever you may currently have. Additional documentation can always be sent in after your initial consultation.