What To Bring To Your Bankruptcy Consultation
To make the most of your first visit with your attorney, do as much information gathering as you can beforehand. The more legwork you do, the less you will have to pay your attorney to do for you later!
Here’s a list of some items your attorney will need to get your case rolling:
- Your most recent Billing Statements for all of your bills. Make sure they include:
- Your complete address with zip code
- Your account number
- The amount you owe and what that bill is for (e.g. credit card, car note, etc.)
**Every debt you have must be listed, even those you wish to pay.
- Your residential addresses for the last two (2) years.
- A list of financial and bank accounts, even those that have been within the last year. Make sure to list:
- The name and address of each bank
- Your account numbers
- A copy of your pay stub showing net and gross income and year to date earnings. Your attorney will need to know your gross earnings for the prior two (2) years.
**If you are self-employed, bring a month-to-month Profit and Loss statement for the past six (6) months.
- The payoff amount on any vehicles that you are financing. A statement showing the payoff figure is best. Also bring:
- A copy of your vehicle registration for each vehicle
- A copy of proof of insurance
- The mileage on each vehicle
- If you bought or leased a vehicle within the past 120 days (4 months), bring a copy of the purchase or lease contract.
- A copy of all judgments, lawsuits and liens pending against you. If your wages are being garnished, a copy of the wage garnishment order.
- Any information you have about your student loans, taxes you owe, or any loans you have co-signed, if applicable.
- A copy of your Deed and a copy of your homeowners insurance.
- The payoff amount on any real estate that is mortgaged.
- If you are the beneficiary of a Trust, a copy the Trust instrument.
- If you are married, but filing a separate case, bring the following:
- A copy of any prenuptial agreement;
- All of the above information in paragraphs 1 through 10 that applies to you OR your spouse whether or not he/she joins in the bankruptcy.