What Documents Should I Bring to My Bankruptcy Consultation?

person with documents

Filing for a bankruptcy case is something that should be taken seriously. With this, you must think long and hard to determine whether this is the best decision for you. This is where a bankruptcy consultation is found to be helpful. Continue reading to learn what documents you should bring to your bankruptcy consultation and how an experienced Rockland County bankruptcy attorney at The Law Offices of Allen A. Kolber, Esq. can help you build a strategy.

When should I schedule my bankruptcy consultation?

If done under the right circumstances, scheduling a bankruptcy consultation is quite a responsible financial decision for you to make. And so, when considering whether a bankruptcy filing is appropriate for you, you must reflect on the following questions:

  • Is your house up for a foreclosure sale?
  • Have you received a warrant of eviction from your house?
  • Have creditors obtained judgments against you or your company?
  • Has your bank account been frozen?
  • Have your wages been garnished?
  • Has it become beyond your ability to pay down your credit card bills, medical bills, or otherwise?

If the answer to any of the above questions is “yes,” then you may be in an emergency in which bankruptcy is necessary.

What documents do I need to bring to my bankruptcy consultation?

Upon scheduling your bankruptcy consultation, it will help your attorney if you brought documentation that highlights your financial situation. This way, they will be better able to assess your case. Examples of documentation that you should bring with you to your initial consultation include the following:

  • Your photo ID.
  • Your Social Security card.
  • Your Social Security letters.
  • Your past pay stubs.
  • Your past W-2 forms.
  • Your employer statements.
  • Your past income tax returns.
  • Your past credit reports.
  • Your vehicle purchase agreement.
  • Your property tax statement.
  • Your property appraisal.
  • Your checkbook register.
  • Any copies of your monthly bills.
  • Any proof of your debts and liabilities.
  • Any proof of your car insurance.
  • Any documentation regarding a debt settlement.
  • Any documentation of scheduled payments (i.e., pensions, spousal support, child support, etc).
  • Any collection letters that you have received.

Importantly, the above list applies if you are interested in applying for consumer bankruptcy. But if you are interested in applying for business bankruptcy, then you will need to bring any financial documents that pertain to your business (i.e., a list of assets and liabilities, your current income and expenditures, and your executory contracts and leases, among other documents).

Nonetheless, if you are ready to schedule your initial bankruptcy consultation with us, pick up the phone and give us a call today. We look forward to working with you.