Making a decision about whether you should file bankruptcy, and what type of bankruptcy is appropriate, can be hard for some. Partnering with a great lawyer is key to getting the best support.
Here are some tips to get the most out of your meeting.
To get the most from your initial meeting you should bring:
- Information on income and assets (some will ask for your most recent banking statements too).
- A full month’s worth of pay stubs for you and your spouse.
- A copy of the deed to your home, showing exactly how you hold title.
- Information on the make, model, mileage on each vehicle you own. If you have water crafts, the same for those too. Don’t forget about RV’s too.
- A list of the stocks, deposit accounts, brokerage accounts and all other investment accounts you have.
- Information on your gross income for the past two calendar years.
- A recent bill from each creditor or a list of creditors and the amount you owe to each one.
- Tax notices for each year for which you have unpaid taxes. This include property taxes.
- Car loan information including the interest rate, payoff, or a copy of your car lease/loan.
- Balances on each loan secured by your home or other assets.
- Information regarding any lawsuits or judgments filed against you.
- If you operate a business, bring the business’s most recent tax return and the most recent income statements and information on lease agreements, debt and other documents.
You should also know the answers to the following questions.
- Have you co-signed loans?
- Do you have a lawsuit that hasn’t yet been filed or is pending?
- Do you appear on your parents’ or siblings property title?
- Have you put your property in trust?
- Are you entitled to an inheritance from someone who has recently died? Are you likely to inherit money in the next year?
- Are you getting a tax refund?
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