What to bring?

Following is a list of items that will be needed to initiate your bankruptcy case.

1. Copies of your federal tax returns for the past two years.

2. Paystubs or pay advices showing the gross paycheck, the deductions, and the net check for the 6 month period prior to the month that you anticipate filing your bankruptcy case. (Note: Paystubs for you and your spouse, if married and not maintaining separate households, are required even if only one of you is filing bankruptcy.)

3. A Certificate of Completion of the required Pre-Bankruptcy Credit Counseling. There are a number of approved counseling agencies - we suggest www.cricketdebt.com, as we have used them frequently and successfully in the past.

4. A list of creditors with names, addresses and estimated balances. If you are working from a recent credit report, highlight the creditors names and addresses and account numbers so that we can easily copy the information. If you are bringing a list of creditors, be sure to make it legible, and if the debt is secured by any property (home, auto, furtinure, etc.), please describe the collateral. Note: Our office can pull a three bureau credit report and migrate the information directly into our bankruptcy software program. If in doubt, list the creditor and we will talk about it. List all collection agencies and lawyers that are contacting you. Bring copies of any lawsuits, IRS levies, or garnishments. Bring copy of any foreclosure letters from the foreclosing lawyer.

5. If you have previously filed a case in the bankruptcy court, the case number, location and the date filed of the previous case.