{"id":1557,"date":"2010-06-25T02:43:11","date_gmt":"2010-06-25T02:43:11","guid":{"rendered":"http:\/\/www.covstravels.com\/"},"modified":"2015-04-10T06:26:34","modified_gmt":"2015-04-10T06:26:34","slug":"consultation-checklist","status":"publish","type":"page","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/bankruptcy\/consultation-checklist\/","title":{"rendered":"Bankruptcy Consultation Checklist"},"content":{"rendered":"

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\nThank you for your interest in our firm. We know the decision to pursue bankruptcy was not easy for you. Our goal is to make the process as simple as possible for you and your family. We also want your free consultation to be helpful to you. As a result, we have a list of items for you to bring to your free consultation. Although you are not required to bring every document below, the more information you are able to bring to your consultation, the more precise we can be in determining your eligibility for bankruptcy.<\/p>\n

PDF Printer Friendly Version<\/a><\/p>\n

Income\/Paychecks<\/h3>\n

The past 6 months if possible, but at a minimum your last paystub(s) for you and your spouse, if appropriate<\/p>\n

Paystub(s)<\/h3>\n

If either you or your spouse worked more than one job during the past six months, please bring them for each job<\/p>\n

Bonus<\/h3>\n

In the past six months, please let us know the amount of the bonus at your consultation<\/p>\n

Self-Employment<\/h3>\n

If either of you are self-employed, an estimate of your average income and expenses over the past six months if you do not have a profit and loss statement prepared<\/p>\n

Other Sources of Income<\/h3>\n

Child support, retirement, social security, disability, workers compensation, unemployment, 401(k) withdraws, etc. you or your spouse received<\/p>\n

Taxes<\/h3>\n

Taxes paid to the IRS or state in addition to what was deducted from your paycheck; for example: if you pay quarterly taxes, if you are self-employed and make direct payments to the IRS or state, or if you made a payment to the IRS or state due to back taxes<\/p>\n

Money Owed\/Debts<\/h3>\n

Amount you are behind on your house(s), if appropriate, along with foreclosure notices from the mortgage company\u2019s attorney
\nAmount owed for homeowners associations dues
\nAmount owed for property taxes on your home
\nAmount owed on automobile(s) or the number of payments remaining
\nAmount owed for furniture, appliances or computers
\nAmount owed to the IRS or state for income taxes
\nAmount owed for child support arrearages (This amount cannot be discharged or eliminated in bankruptcy)
\nAmount owed and monthly payment for student loans (This amount cannot be discharged or eliminated in bankruptcy)
\nAn estimate of what is owed for credit cards, gas cards, medical bills, personal loans
\nAverage amount paid for monthly childcare expenses
\nAverage monthly medical costs paid out of pocket, excluding health or dental insurance deducted from your wages, for example, copays and coinsurance for doctor visits and prescription drugs, braces, etc.
\nIf you are married and your spouse is not filing, an estimate of your spouse\u2019s monthly expenses that are solely in his\/her name, for example, a car payment, credit card payments, support to elderly family members, child support not garnished from payroll, etc.
\nApproximate value of your home, land and any other real property you might own
\nApproximate value of your interest in any corporation or partnership
\nApproximate value of any other assets for your business including bank accounts, inventory, equipment, etc.<\/p>\n

Summary of Debts<\/h3>\n

*IMPORTANT* – Add up the total you owe on the different categories of debt. For example, know what your total credit card debt is if you add all of the cards together. Know your total medical bills, total personal loans, total owed for taxes, etc.
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