Tag Archives: pre-filing credit counseling

What Should I Bring to My Bankruptcy Consultation?

You have finally taken that first crucial step and scheduled a consult with a bankruptcy attorney.  Now what?  In order to get the most out of your free consultation, you want to come prepared.  Below is a list of items you will likely want to bring with you to your first meeting:

–  A recent credit report:  This will help your attorney get an overview of how much and what kind of debt you have out there.  Prior to your consult, you can pull a free credit report from http://annualcreditreport.com.  This is a completely free site that does not require that you sign up for a membership in order to view your free report.

–  Six months worth of paystubs:  In order to determine if you can qualify for a Ch. 7 or what disposable income you might have for a Ch. 13, your attorney must complete a means test for you.  In order to do so, s/he needs to know what your income has been for the past six months.  If you have not received paystubs over the past six months, bring any documentation you may have regarding your income sources during that time period.

–  Four years worth of tax returns:  The trustee in your case will want to see that your federal and state taxes have been filed over the last four years.  Additionally, your attorney will need to disclose your annual income for the two years prior to the filing of your case.

–  Documentation regarding recent law suits:  Have you been sued by one of your creditors or another party within the last two years?  If so, make sure you bring a copy of the suit papers for your attorney to review.

– Certificate of Credit Counseling:  If you are serious about filing and believe that you will be doing so in the next six months, you can get a jump on things by completing the required credit counseling course.  You can complete the course and obtain your certificate for a $5 fee at http://www.consumerbankruptcycounseling.info.

–  Completed Client Questionnaire:  Most attorneys will have a questionnaire for you to complete that will allow them to prepare your bankruptcy paperwork.  Some attorneys may have this document available online or can email it to you when you call to set up the initial consult.  It can help to expedite matters to have the paperwork completed prior to your initial meeting; however, if you are on the fence about filing, there is no need to complete the additional paperwork until you know for sure that you wish to proceed.

–  A check:  Although most attorneys will offer a free initial consultation, in order to get the ball rolling on your bankruptcy, the attorney will request some sort of retainer.  Usually, a minimal payment towards the attorney fee for the bankruptcy will be sufficient for the attorney to permit you to begin directing your creditor calls to him/her and for him/her to begin the preparation of the necessary paperwork.  Of course, with regards to a Ch. 7, the attorney will not be able to file until the full attorney and filing fee has been received.  Otherwise, s/he runs the risk of discharging the balance that is owed for his/her services.

For more information regarding bankruptcy or to schedule a free consultation, please contact the Law Office of Suzanne Szymoniak.

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Free Pre-Filing Bankruptcy Counseling

Thinking about filing for bankruptcy or know someone who is?  Under federal law, you are required to obtain credit counseling from a qualified non-profit agency before filing.  Most of the agencies offering this service charge some nominal fee for their services, but with attorney’s fees and filing fees, bankruptcy can be a costly endeavor, and any chance to save money can be very helpful.  The below link will take you to a site currently offering their pre-bankruptcy credit counseling for FREE!!!  For more information on filing for bankruptcy, visit the Law Office of Suzanne Szymoniak.
http://www.consumerbankruptcycounseling.info/

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