List Of All Your Debts
First, most attorneys prefer a bankruptcy-specific credit report. Bankruptcy attorneys do this for two reasons: 1) the credit report is generally a complete and accurate list of all the debts you owe, and will provide other valuable information, like whether any accounts have a co-borrower and 2) the electronic copy of that credit report can be used with bankruptcy petition software to import that information. This will save your attorney time and reduce the chance of mistakes in reporting creditor names or addresses in your bankruptcy petition.
What Documents Should I Bring To My Consultation
Well need some information from you to determine the best legal debt relief solution for you. It is important that you bring all of the financial records that you can find. The more information we have about your financial situation, the better. Getting all the information up front allows us to immediately assist you in reaching your debt relief goals.
As motivated debt relief attorneys, our goal is to get you and your family the help you deserve as quickly as possible.
To get the ball rolling more quickly, its a good idea to bring the following financial records to your consultation:
How Can I Get Started
At Walker, Walker & Walker, we offer every customer a free consultation in order to better understand your situation and provide you with the most helpful information so that you can make the best decision about how to move forward. In order to schedule a free consultation, please give us a call at 748-9889.
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Meeting With A Bankruptcy Lawyer
A bankruptcy lawyer is your partner in finding the best solution to your financial problems and helping you get out from under accumulated debt. To do this successfully, he or she will need to fully understand your situation. Be honest with your attorney. Giving your legal team incorrect information or not providing all the details can actually hurt your bankruptcy case in the long run. This may hinder the chances of qualifying for bankruptcy, completing the repayment period or getting debt discharged.
Emergency Weekend & Evening Appointments Available
We realize that many of our clients are busy, often juggling multiple jobs to provide for their loved ones. To better serve our clients, we offer late evening and weekend appointments to accommodate their schedules. Because the need for trustworthy counsel could arise at any moment, we also offer emergency legal services to our clients. Our clients are our top priority, which is why we treat them with the utmost respect and professionalism.
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Welcome To Walker Walker & Walker Plc
We are a bankruptcy law firm based in Jackson, Tennessee. Our goal is to help residents of West Tennessee overcome their financial distress by guiding them through the bankruptcy process step-by-step. Our firm has filed more than 20,000 bankruptcy cases throughout our 30+ year history.
We believe that our local presence and extensive bankruptcy experience makes us uniquely qualified to provide excellent bankruptcy services to residents all over West Tennessee. In order to better serve our community, we have 3 offices that are located in Jackson, Lexington, and Dyersburg. In addition to our locality and experience, we believe that by restricting our companys focus to bankruptcy law, we are able to offer our customers a unique bankruptcy expertise that cannot be rivaled by other companies that tack on bankruptcy law to their list of services.
What To Bring To A Bankruptcy Attorney Consultation
On Behalf of William H. Lively, Jr. WHL, PLLC | Jan 20, 2021 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
If you plan to meet with a bankruptcy attorney for an initial consultation, you should prepare questions and bring certain documents. This consultation is a good opportunity to learn more about the bankruptcy filing process and figuring out if this is a good option for you.
The more information the attorney has during the first meeting, the better he or she will assess your case.
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What Do I Need To Bring To The Free Consultation
For our bankruptcy lawyers to be able to give you the best options for your specific situation, we need as much information about your current debt and any assets that you own. This allows us to provide you information about what type of bankruptcy you are eligible for. This also will help us answer questions about what will happen to your house or your car.
Most of the form is very easy and straight-forward and will not take you more than a few minutes to fill out. Some of the financial issues covered in the form include:
- What assets do you own?
- A list of your credit cards, monthly minimum payments and current balances
- Your mortgage information and balance
- Your pay period, average paycheck and pay frequency
- Any child support or other government assistance you receive
Let The Law Office Of Yuriy Moshes Pc Help You File For Bankruptcy In New York
A bankruptcy attorney in New York will not only help you file the proper paperwork and move through the court system quickly, but will help you evaluate your situation and the type of bankruptcy that is right for you.
Our attorneys have helped hundreds of individuals get out of debt and have a fresh start. We will help you understand your options, such as whether Chapter 7 or Chapter 13 is better for your needs. Our attorneys take an individualized approach, and consider themselves as part of your long-term plan to become debt free. If you would like to learn more and speak with a bankruptcy lawyer, free consultations are available with the knowledgeable attorneys at Moshes Law, P.C.
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Am I Ready For Bankruptcy
If your bills have been piling up and you are being harassed by collection agencies, it may be time to consider filing bankruptcy. Filing for bankruptcy will discharge your dischargeable debt including credit card debt and will allow you to keep your home and many of your other possessions. Best of all, filing will allow you to get your life back on track. If your wages are being garnished and you feel there is nowhere to turn regarding your debt, this may be a sign that you are ready to file for bankruptcy. To learn more, it is best to speak with an experienced bankruptcy attorney how will analyze your situation and provide you with the legal advice that is necessary to make a responsible and smart decision for you and your future.
Bring This Form To Your Initial Bankruptcy Consultation
When you have a bankruptcy consultation at The Schweppe Law Firm, P.A. in Shelby, you will meet with an experienced attorney. We will discuss your financial situation and review both your bankruptcy options and other debt restructuring alternatives. For this initial meeting, all you need is a general knowledge of your debt and income information and where you stand with debts and mortgages.
In order to fully analyze your case, it is necessary to provide detailed information about your debts, creditors, assets, employment and tax returns. Once we have an initial consultation, and if you decide to proceed with filing bankruptcy, we will ask that you provide detailed written information about your financial circumstances. This allows for an organized approach to gathering all the information needed to fully analyze your potential case. A link to this financial questionnaire is provided below.
We understand that the thought of bankruptcy can be overwhelming and stressful. However, most people feel a sense of relief once they know what options are available. Bankruptcy consultations are free, and we look forward to helping you make the best of a difficult situation.
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Judicial Approval Of The Chapter 13 Plan
If you filed for Chapter 13, the proposed plan you submitted with your filing must be approved by a judge. The judge will review the plan with you and the trustee present. Any creditors may also attend, but rarely do. If the judge approves the plan, the bankruptcy proceeding is finalized and the plan is entered. Any eligible debts outstanding at the end of the plan will be discharged.
What Should I Bring To My Free Bankruptcy Consultation
We want you to get the most from your free consultation, however, in order to do that, we need to make sure that you bring the correct information. The following is a list of the items that you should bring with you to the consultation. These documents will help us be able to accurately assess your situation and help provide you with the best information to move forward:
- Tax returns from the last 2 years
- Pay stubs from the last 6 months
- Drivers License or Government Issued Photo ID
- Social security card
- List of all debts including the name of the creditor, the address of the creditor, the account number, and the current balance
- A declarations page from your automobile insurance company
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Dedicated Representation From Start To Finish
People who have been living with the stress of unpaid bills, foreclosure and creditor harassment may have waited for months to get help. When they decide to seek help for their debt problems, they often want to get started as soon as possible. This sense of urgency is understandable. So, to speed up the process, you can bring the items listed below to your first meeting with us.
The lawyers at Redman Ludwig, P.C., have decades of experience helping people through bankruptcy and other means of debt relief. We are committed to making the bankruptcy process as smooth as possible, answering your questions and easing your worries.
Get The Help You Need Today
We understand the anxiety that comes with financial uncertainty. We will explain the costs and benefits to filing for bankruptcy. Call and speak to a member of our staff about your concerns. We will gladly answer any of your questions over the phone or in a free consultation. You can also reach us via website email.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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Questions Youll Be Asked
In order to help you best, your bankruptcy lawyer will need to know about your life and finances. They will want to know what has brought you to consider bankruptcy, such as credit card debt, difficulty paying a mortgage, medical bills, and so on. They might also ask:
- If youre married
- How much money you and your spouse make
- How much money youve made over the last six months
- If you own a business
- If you have any assets, and if so, what they are worth
- If youve recently sold or transferred any property
- If you owe back taxes
- If you are behind on child support or alimony payments
- If any creditors have judgments against you
- What you hope to achieve through bankruptcy
What To Bring To Your Bankruptcy Consultation
At The Law Office of Lauren Clark, L.L.C., we understand you may be nervous about consulting with a bankruptcy attorney. We have helped people in Charleston and throughout the surrounding area get the debt relief they need, and we know how difficult the first step can be if you are struggling under heavy debt. We will do our best to make you feel at ease and comfortable by helping you understand what legal remedies are available.
The first thing we need to do is evaluate your situation. We send you forms that list the basic information we need to help you. That information includes:
- Pay stubs
- Bill statements for all of your bills
- Bank information, including account numbers
- Loan information
- Copies of judgments, liens or lawsuits against you
- Student loan information
- Payoff amounts for real estate that is mortgaged
- If you are divorced, any information about support payments
- If you are a beneficiary of a trust, a copy of the trust agreement
- If you are self-employed, we need profit and loss statements for the last six months.
Gathering this information is important to the overall success of your case because we need to make sure everything is protected if you file for bankruptcy.
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What You Will Need To Know
You will be asked a lot of questions. Things you will need to know deal with your finances, creditors, approximately the amount owed, approximate dates items were sold/pawned, and prior addresses for the last two years.
Specifically, you will need to know the year, make , model trim level , options and mileage. If the car is paid off and worth more than $4,000, you will need to know if the title says John Doe AND Jane Doe or John Doe OR Jane Doe. The little word on the title can make a huge difference. You will need to know who the finance company is and the amount of the monthly payments.
You will need to know the name of your mortgage company and the amount of the monthly payment. Nine hundred and something will not cut it.
You will need to know if you have other secured loans. They have rights that the regular unsecured creditors do not.
You will need to know if you have any co-debtors. Your bankruptcy will not protect them and could cause minor credit report problems for them.
If you have sold, donated, pawned, or transferred anything in the last 12 months, I need to know who received the item, when they got the item, how much you got for the item, and what you did with the money you received for the item.
What Information Do You Need To Complete The Bankruptcy Forms
Most of the information you’ll need to fill out your bankruptcy paperwork will be in those documents, including asset value and income information. For example, you’ll use the income documentation to calculate your average monthly income. Similarly, you’ll look to your real estate and car documentation to fill in the parts regarding the value of these assets, your lenders, and monthly loan payments.
However, you’ll need to gather more information to fill out the rest of your bankruptcy petition, including creditor, co-debtor, expense, and pending lawsuit information. Start by finding loan statements or bills so that you can list each of your creditors in the bankruptcy. Alternatively, you can obtain a credit report that shows all your debts however, be aware that you’re required to list the creditor’s billing address, and that address rarely shows up on your credit report. So it’s best to use the credit report as a tool to verify that you’ve listed all of your debts only.
You should also look at your utility bills and other expenses to determine accurate figures for your monthly utilities and expenses, such as food, dry cleaning, and transportation to name a few. Usually, you won’t be required to send these documents to the trustee .
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What Should You Bring To Your First Meeting With Our Firm
Preparing for your first meeting with a bankruptcy lawyer can help you come to a quick and effective decision about your financial future. Contact the Law Office of Robert Braverman, LLC to schedule your free initial consultation, where we can discuss your current financial situation and options for seeking debt relief.
Do I Need To Bring Anything To A Bankruptcy Consultation
A bankruptcy consultation is good opportunity to learn more about the filing process while learning whether it is the best option for you. This is the perfect time to ask questions, review concerns, and get clarity on how bankruptcy works. During the consultation, you will discuss your circumstances in further detail and review your options on how you want to move forward. To assist the bankruptcy attorney in understanding your financial background and filing eligibility, there is documentation you may want to bring with you for review.
Since most consultations are free, debtors should be prepared to ask and answer questions about filing and if it is something they should consider. Reviewing your situation with ample documentation helps puts the possibility of filing into better perspective. The following documents may be helpful during your consolation.
If you have valuable assets such as a retirement account, jewelry, stocks, property or other items, you may want to ask how these items can be protected should you decide to file. You may not need to present every item listed, but the more you bring, the better idea you get in understanding your eligibility.
Reference: http://www.duncanlawonline.com/bankruptcy/prospective-clients/consultation-checklist/
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Sharing Information From Debt Collectors And Creditors In Bankruptcy
Finally, youll want to share information about the status of your debts and any notifications youve received from debt collectors or creditors with your bankruptcy attorney. This way your attorney will have a complete picture of the status of your financial situation and he or she can determine how urgent things are for you.
Bring along any correspondence youve received concerning your debts, including:
- Delinquent notices
- Warnings or notifications about legal action
- Notifications of foreclosure
- Information concerning the threat of wage garnishment or account levies
