There are basic documents that you will need for filing your Bankruptcy case. This is required no matter which lawyer you decide to go with. We’ve listed below what’s required.
1. Proof of household income for the preceding calendar months. Married couples living together must include both spouses’ incomes, even if only one spouse is considering filing for bankruptcy. Paystubs are the preferred documentation, however a summary from payroll will suffice. Self-employed people must provide bank statements for the preceding six months.
2. A list of all of your creditors, including balances owed and complete mailing addresses. The easiest way to do this is to pull your credit report. This is free annually on the internet at www.annualcreditreport.com. You should be able to obtain this report instantly without having to input you credit card number. Always select the option to go to your free report. If you do not have access to the internet you can order a free report over the phone at 888-685-1111.
3. The last two tax returns.
4. Collection letters, lawsuits and/or judgments received within the last 90 days. Also, any garnishment papers, if applicable.
5. If you know of any bills you may owe that do not appear on your credit report (hospital bills, some loan companies, etc), please bring the latest billing statement for each.
Once you have obtained the necessary documentation, please call us for an appointment. The appointments are free and usually last an hour. The purpose is to determine which chapters of bankruptcy are available to you based on your income and assets.