Hello, my name is Marcy. I would like to talk to you about the various ways bankruptcy attorneys help you eliminate debt. My attorney helped me find all of the creditors that I needed to pay back. I was astounded at the number of creditors listed on the bankruptcy. Fortunately, my bankruptcy attorney assured me that my case was completely normal and possible to discharge through the court process. I hope to use this site to reassure others about their debt situation. I will share information about bankruptcy attorney services in an effort to help others tackle this difficult problem.
There are some things that you can do to make your Chapter 7 a bit simpler and less complicated -- get your act together. This includes organizing and preparing paperwork that will be required prior to the actual filing in court.
Some things to work on as your lawyer prepares your Chapter 7 filing include:
Monthly household bills.
Make copies of your most recent household bills to provide to your attorney and the bankruptcy trustee. This would include anything such as rent, utilities, and any auto expenses. Make sure these are neat and organized for ease during the meetings between your lawyer and the court.
Latest statements from creditors.
Include the most recent copy of the debts that you are trying to have discharged, and be sure that they are out of their envelopes and easy to refer to for your attorney. Be sure that these are the most recent notice that includes the name, address, and contact info for the creditor. This information will be needed in order to discharge the debt.
Credit counseling certificates.
Typically, there is some sort of certificate provided when you complete credit counseling or pre-filing, and either are available for printing online or mailed to you if you took your counseling via the telephone. Print or make a copy of this for your attorney, as this counseling session is typically mandatory prior to filing a Chapter 7 bankruptcy.
Most recent taxes and W-2s.
Your lawyer will most likely ask for a copy of the previous year's tax returns, so plan to make a copy, print, or download this. You may also be asked for copies of W-2s or 1099s to further provide proof of income.
Proof of any additional expenses.
Sometimes unexpected bills or situations can cause financial difficulty. This may include unexpected veterinary, health, or other expenses that could contribute to you getting behind on your bills. Prepare copies of bills, prescriptions, receipts, or other documentation to show to your attorney and trustee.
Any legal documents.
If you have been served or received any certified letters in the mail from creditors, make sure to provide these to your attorney promptly. In fact, don't reach out to the creditor directly; contact your attorney and keep track of any and all communication that you have with creditors and bill collectors during your bankruptcy filing.
Your attorney is the best place to go when you have a question or specific concern related to your Chapter 7 bankruptcy. Be wary of talking to or attempting to negotiate with creditors once you have decided that bankruptcy is the best solution; most legal professionals recommend diverting and directing calls from creditors or bill collectors straight to your attorney. If you need help with your bankruptcy, or are facing foreclosure, be sure to look into local bankruptcy attorneys that can assist you in the process.