CALL FOR A FREE
INITIAL CONSULTATION
813.254.5696

The Importance of Being Prepared: What You Need to Bring with You to Your Bankruptcy Consultation

Are you ready?Preparing for a Bankruptcy consultation with a Bankruptcy Lawyer

Filing for bankruptcy is a big decision. One of the most intimidating aspects of the process is meeting with your bankruptcy attorney. Being prepared and having all of the necessary documents and information with you for your first meeting can make things go as smoothly as possible.

What should you bring with you to your bankruptcy consultation?

Debts and Bankruptcy

Your bankruptcy attorney will need to know about your debts. He or she will review this information and determine which debts should be included on your bankruptcy filing. Some debts are not discharged in bankruptcy, but your attorney still needs to be aware they exist.

Debt information you should bring with you when you meet with a bankruptcy attorney includes:

  • Up-to-date copy of your credit report
  • Mortgage information
  • Vehicle loan information
  • Outstanding bills
  • Most recent credit card statements
  • Any documents related to child support, alimony payments, or other financial obligations you have

Assets and Income and Bankruptcy

Next, you’ll need to share information about your income and your assets with your bankruptcy attorney. This is important because it helps you and your attorney determine whether you qualify for Chapter 7 or Chapter 13. To learn more about qualifying for bankruptcy, check out this information about the bankruptcy means test.

Sharing asset information with your attorney ensures he or she can list any assets you want to be exempted and protected from the bankruptcy trustee when you file.

Asset and income information you should share with your attorney includes:

  • Recent pay stubs
  • Up-to-date checking and savings account information
  • Income tax returns for the past three to five years
  • Titles and deeds to the property you own

Sharing Information from Debt Collectors and Creditors in Bankruptcy

Finally, you’ll want to share information about the status of your debts and any notifications you’ve received from debt collectors or creditors with your bankruptcy attorney. This way your attorney will have a complete picture of the status of your financial situation and he or she can determine how urgent things are for you.

Bring along any correspondence you’ve received concerning your debts, including:

  • Delinquent notices
  • Warnings or notifications about legal action
  • Notifications of foreclosure
  • Notifications of repossessions
  • Information concerning the threat of wage garnishment or account levies

Information You Need from Your Bankruptcy Attorney

In addition to the information you need to provide to your attorney, it’s also a good idea to bring along any questions you have about filing for bankruptcy. Knowing what you want to ask in advance saves time and helps keep your meeting on track.

If you aren’t sure what questions you have, don’t worry. But if there are things you aren’t sure about or if certain concerns are pressing on your mind, now is the time to ask those questions.

Deciding to File for Bankruptcy

The decision to file for bankruptcy can feel intense. Bankruptcy attorneys understand this and most work hard to put their clients at ease. Having an attorney on your side during this challenging time can make a great deal of difference when it comes to the emotional toll bankruptcy takes on a person. It also makes practical matters, such as meeting court deadlines and properly filling out paperwork much easier.

If you have questions about bankruptcy or you’re ready to schedule your bankruptcy consultation, we can help. Contact the Law Office of Robert M. Geller at 813.254.5696 to learn more.

Tampa Bankruptcy Law Blog

3 Reasons Why Bankruptcy Cases Get Dismissed and What This Means for You

Bankruptcy Case Dismissed There are two possible outcomes for those filing for bankruptcy. It doesn’t matter if you qualify for...
Read More

Who Files for Bankruptcy?

Should I File for Bankruptcy? If you’re considering bankruptcy and you feel as if you’re the only person in the...
Read More

3 Reasons Your Student Loan Debt is Ruining Your Financial Future and How Bankruptcy Might Help

Student Loan Debt Taking out a loan or multiple loans to attend college is nothing new. Students have been using...
Read More

What Happens If You Miss Your 341 Meeting?

341 Meetings are One of the Most Important Obligations in Bankruptcy There are several requirements you must meet when you...
Read More

3 Things to Help You with Post Bankruptcy Credit Repair

Bankruptcy Credit Repair One of the biggest challenges you’ll have post-bankruptcy is getting credit extended to you. But for most...
Read More

What is the Real Reason People are Filing for Bankruptcy?

Can filing for bankruptcy help you with unpaid medical bills? One of the most common misconceptions about bankruptcy is that...
Read More

What You Need to Know about Bankruptcy Court

Bankruptcy Court Bankruptcy is a process that many people find intimidating. In part, this is because they must turn their...
Read More

What to Expect from Bankruptcy Counseling

Bankruptcy Counseling Filing for bankruptcy is not an easy decision. For many, it’s their only option for getting the debt...
Read More

Why Hiring a Bankruptcy Attorney is Worth the $ [Infographic]

Everyone who files for bankruptcy must complete a bankruptcy petition. It can be up to 40 pages and filled with...
Read More

What Really Happens When You Declare Bankruptcy?

How to Declare Bankruptcy Bankruptcy is a last resort for many who file. After attempting to clean up a messy...
Read More

Contact Us

Search Website

Archive

Request a FREE Consultation

For The Next 5 Days Get A Free Book About Bankruptcy

Bankruptcy Book

We are A Debt Relief Agency.
We help people file for
bankruptcy under the Bankruptcy Code

Pay OnlineBankruptcy Courses

National Association Of Consumer Advocates Logocomodoavvo1avvo2avvo3LEA
BBB LogoRG Seal

Tampa Office

$Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405


Tampa Bankruptcy Lawyers Map

St. Petersburg Office

$Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G

St. Petersburg, FL 33701
T: (727) 532-3939


Map and Directions

Pasco Office

23526 State Road 54
Lutz, FL 33559
T: (813) 336-2320





Maps & Directions

At the Tampa Bay law firm, the Law Offices of Robert M. Geller, P.A., we help people with consumer bankruptcy matters in the Tampa Bay-St. Petersburg,  Florida communities such as Clearwater,     St. Petersburg, Tampa, Thonotosassa, Riverview, Lutz, Plant City, Brandon, Carrollwood, Wesley Chapel, St. Petersburg Beach, Lakeland, Mulberry, Dade City, Pinellas Park, Largo, Seminole, Odessa, Oldsmar and Lithia, and counties such as Hillsborough County, Pinellas County, Pasco County, Polk County and Manatee County.