What Do I Bring To My Appointment?
1.) Debt List
Do not leave anyone off! Put a star next to those you want to keep! If you have credit cards you wish to keep, we can advise you on whether the creditor is likely to agree or not. Use our Debt List Form for easier preparation, or you may copy the format and type your own list in a word processing program.
Example of your debt list:
Creditor Name And Address
Date Issued/Last Used
Sioux Falls, SD 12345
|xxxx 5678||2015-2016||Credit Card||$5,472|
Louisville, KY 12345
|xxxx 4687||2012-2018||TV, VCR,
Cleveland, OH 44444
|xxxx 2789||2016||Car Loan
2015 Ford Escape
|AB Mortgage Co
Atlanta, GA 12345
|xxxx 7491||2014||First Mortgage
289 S. Main
Anywhere, OH 44444
Failing to list a debt means it may not be discharged, and the creditor is still likely to learn of your bankruptcy and cancel your card or line of credit regardless!
2.) Review Of Your Credit Report
You can also supplement your debts with a Consolidated Credit Report from all three agencies. This is your best option if you have lost track of debts over time.
Below are some companies that offer consolidated credit reports from all three agencies:
3.) Payment Books
For house, car loans and any other fixed monthly bills.
4.) List Of Assets
Including house, car, money in bank, possible lawsuits, pensions, stocks, etc. We need this information to enable us to properly advise you of your bankruptcy options. Bring documentation on pension plans, annuities, 401ks, etc., including summary plans and statements. ALSO, bring statements on life insurance policies with cash value.
5.) Information About Your House(s)
“What do you need to know about my house?”
a. Mortgage balances $____________________
b. Purchase price $____________________
c. Fair market value $___________________
d. Copy of deed showing owners.
How to value your house?
You can talk to a realtor and ask for the comparables. Tell them you are NOT selling, but need to know the fair market value of your house so you can do a bankruptcy and keep it. They will often give you a printout and letter of valuation for free or a minimal charge. Ask before engaging their services!
A number of websites offer home valuation information, often times for a fee. Some sites, however, will send a free home price analysis to your email address within a specified amount of time.
You can also check the internet for other websites that will pull up comparables in your area.
6.) Information Regarding Vehicles You Own
You can check several sites online for the trade and private party values of your car.
7.) Recent Paystubs And The Last Two Years Of Tax Returns And W-2s
We need to determine your average income so bring a few stubs if your pay has fluctuated.
8.) Monthly Budget
Make a list of all household expenses. You can use our Budget Form for better preparation.
9.) A List Of Lawsuits Or Legal Actions
Bring copies of any lawsuits, judgments, garnishments, etc. that are currently against you or that you are a part of.
10.) Cash, Check, Debit Card, or Credit Card (from non-filer)
To retain our services, you will need to bring payment. You only need $200 to hire us.
Contact Our Northeastern Ohio Law Firm
Drowning under the weight of your debt doesn’t have to be your life. There are debt-relief options out there, and our caring and experienced attorneys can help you decide which option makes the most sense for your financial situation. Put years of experience handling more than 15,000 bankruptcies at your disposal. Contact Debra Booher & Associates.
To schedule a case evaluation at any of our conveniently located offices in northeastern Ohio, call 888-542-1300 or contact us online.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.