CALL NOW!
FREE PHONE/VIRTUAL CONSULTATION

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

What To Bring To Bankruptcy Consultation St Petersburg, Tampa, And Pasco Florida.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.

Archive

Tampa Bankruptcy Law Blog

How Does Claiming Bankruptcy in Florida Affect Your Children?

Claiming Bankruptcy in Florida Understanding how claiming bankruptcy in Florida affects your children is an important part of determining whether...
Read More

Claiming Bankruptcy in Florida: What Happens When You File for Bankruptcy and Your Spouse Does Not?

Claiming Bankruptcy in Florida You already know how much the things you do affect your spouse when you are married....
Read More

Should You Pay Back What You Owe Loved Ones Before You File for Bankruptcy?

Florida Bankruptcy Laws It’s common for people who are struggling financially to turn to their friends and family for help....
Read More

Bankruptcy and Family Law: Does Filing Affect the Child Support I Pay or Receive?

Bankruptcy and Family Law If you’re like many people, the well-being of your children is your most important priority. Struggling...
Read More

5 Tips for Overcoming the Emotional Toll of Bankruptcy

Florida Bankruptcy Attorney Getting through the bankruptcy process is about more than just improving your finances. Working with a Florida...
Read More

Bankruptcy and Divorce: The Far-from-Perfect Storm

Bankruptcy and Family Law Bankruptcy and divorce separately are two of the most stressful events you can experience in your...
Read More

Does the Pandemic Have You in a Holding Pattern? Here’s How to Know When to File for COVID Bankruptcy

COVID Bankruptcy If you’re struggling to make ends meet and you feel as if your life is on hold because...
Read More

Will Your Favorite Retailer File for Business Bankruptcy in 2021?

Business Bankruptcy 2020 was a tumultuous year and many of the financial challenges caused by the pandemic are expected to...
Read More

Boosted and Extended Benefits Keeping Unemployed Afloat – But For How Long?

Unemployment Benefits Were you one of the millions of people who ended up out of a job and using unemployment...
Read More

Should Bankruptcy Laws Be Adjusted Because of COVID-19?

Bankruptcy Laws The COVID-19 pandemic brought a lot of changes throughout 2020 and many are expected to continue into 2021...
Read More

Bankruptcy

For The Next 5 Days GET A FREE BOOK About Bankruptcy

Learn More

Infographics

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

Pay Online Bankruptcy Courses Newsletter Subscription

NACBA Logo avvo1 avvo2 avvo3 LEA BBB Logo RG Seal

Call For A Free Initial Consultation

813.254.5696

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

Map And Directions

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

Map And Directions