Explanation of Bankruptcy Process

2. Preparation and Filing of Bankruptcy Case
We will provide you a list of documents and instructions on the items needed to complete your bankruptcy petition. After receiving these documents, the attorney will review the documents with you. The bankruptcy attorney and you will review all the bankruptcy petition documents and schedules to ensure accuracy and completeness of your bankruptcy petition. Once this has been completed, you will sign the necessary bankruptcy forms and schedules to file your case. Once we have reviewed your documents and you have signed your petition, we will electronically file your bankruptcy case with the federal bankruptcy courts. After your case is filed you will receive a notice from the court informing you of your meeting of creditors' date, time and location.

What documents do I need to file for bankruptcy?

The following is the majority of documents you will need to provide to our office to file your bankruptcy case:

• Income Information
  • 7 months of paystubs (employee)
  • 6 months of Profit/Loss Statements(Independent Contractors and Self    Employed)
  • Unemployed/Retired-Unemployment Stub; Pension Stub
  • Other Statement/Stub for Any Additional Income (i.e. State Assistance)

• Pension/Retirement Account Statements/401K Statement (statement showing accumulated balance)
• Life Insurance Statement-Whole Life (statement showing cash surrender value)
• Mortgage Statements
• Property Insurance Statements
• HOA Fees Statements
• 6 Months Banks Statements for Any Bank Accounts
• Closed Financial Accounts in Last Year (Date Account Closed, Last four digits of Account Closed)
• Copies of Pending Lawsuits (any lawsuits where you are a plaintiff or a defendant)
• Last 2 years of Filed Federal and State Taxes (4 years for Chapter 13 case)
• Months Remaining on Car Payments
• IRS Statement/State Tax Statement (Recent statement showing back owed taxes)
• Account Statements for Any Bills Listed on Your Credit Report
• Additional Items for Chapter 13 cases with Homes and Cars
  • Exact amount that is past due on mortgage, vehicle payments, HOA Fees
  • Sale Date Notice
  • Real Estate Appraisal for Stripping Second Mortgage (where applicable)
  • Months remaining on 401K/Retirement Loan Repayment