Steps to Take Before Filing for Personal Bankruptcy
Mortgage Foreclosure | Means Testing | Garnishment | Tax Liens
If preparations for your personal bankruptcy case are not made carefully, your case could be dismissed or worse, nd that will make it more difficult, and expensive, to re-file your case correctly. Even worse, if your bankruptcy paperwork is not properly completed, your debts would not be discharged and you could even go to prison. Contact Lakelaw online or call 262.694.7300
In order for us to be able to help you file for personal bankruptcy, there are some things that you will have to organize for us:
a. Itemized monthly income and supporting documents to show income calculated over the prior six months.
b. Tax returns to be filed at any time during the case and for the year immediately prior.
c. Interests in educational accounts, qualified state tuition programs, individual retirement accounts, 401k plans, retirement or pension plans, 403b plans or any similar pension or retirement plan
d. Photo identification and Social Security card or other proof of Social Security number issued by a governmental authority
e. Pay stubs or other evidence of payments from employers, if any, for the last six months before filing.
f. Evidence as to how much you owe each of your creditors.
g. A current credit report
h. The name, address and account number of each of your creditors as well as the years in which you incurred the debt and what you incurred the debt for:
1. The address of each of your creditors must be the address they give you in a billing advice twice within the past 60 days; otherwise we must find an address at which your creditor wishes to be notified.
2. We can amend your list of creditors after you file the case, but there will be additional fees and court costs for doing this.
i. An itemized listing of your personal property with your best estimates as to its replacement value, as well as an itemized listing of your real estate with your best estimate as to its fair market value including any appraisals. These services can be purchased for a moderate fee.
j. Motor vehicle titles and mortgage information.
k. A briefing from a not-for-profit consumer credit counseling service approved by the Office of the United States Trustee. This involves a reasonable charge. If you like, we can direct you to qualified counseling services.
Through our web site you can complete Lakelaw’s bankruptcy questionnaire in the privacy of your home. To do so, click here and look to the lower right-hand corner of the home page (you will have to enter your Social Security number). You can provide this detailed information to us online and at your own pace.
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If you would like to set up a consultation about filing for personal bankruptcy, contact Lakelaw online or call 262.694.7300. You may also contact us toll-free at (866) LAKELAW (525.3529). At Lakelaw, in Kenosha, you do not need to go to Milwaukee to get “big city” service and knowledge.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
