With the economy as bad as it is, many people have lost their homes to foreclosure. There are millions of people who have lost their jobs. If this scenario sounds too familiar to you and your bills are piling up, such as credit card bills, car loans, home loans, medical bills, and regular household bills, you may want to contact a list of bankruptcy attorneys to see if bankruptcy is viable. option for you.
Before you start calling your list of potential bankruptcy attorneys, you will need to gather all of your bills. You will need all of your most recent bills and all past due bills you can find (see examples below). You will need to get a credit report so you can see what your credit report shows about your finances. You can connect to Google and write “Free Credit Report”. There are some companies that offer a free credit report, but they force you to join a service that will check your credit report for unauthorized charges on your credit report, which is called credit. surveillance. You will need to cancel your membership within the time frame or you will be charged a monthly fee.
You will need the following copies of the invoice if they apply to you:
- Phone bills (including cell phone bill)
- Electricity bills
- Mortgage documents or lease documents
- Car loan financing contract
- Hospital bills
- Credit card bills
- Any collection notice
You will also need:
- 4 months of employment pay stubs
- Any other document that proves your income.
- Bank statements for the last 4 months
Now you can start calling your list of bankruptcy attorneys to schedule appointments. When you go to see the first lawyer on your list of bankruptcy attorneys, they will ask you a lot of questions because they need to get an idea of whether it is possible for you to file for bankruptcy. These questions are very important and you should tell your attorney the full truth, you should not omit anything about your personal finances. The lawyer will not be able to tell you for sure if they can help you right away; it will take time to evaluate the information in your case. Your attorney will refer you to a credit counseling agency. It is a requirement to consult a credit counselor before you can file for bankruptcy. If you qualify for bankruptcy, your attorney will ask you to sign the initial paperwork and will also let you know when your first court date will be.