With the economy as bad as it is, many people have lost their homes due to foreclosure. There are millions of people who have lost their jobs. If this scenario sounds all too familiar 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. whether bankruptcy is a viable option. option for you.
Before you start calling your list of potential bankruptcy attorneys, you’ll need to gather all of your bills. You’ll need all of your most recent bills and any overdue bills you can find (see examples below). You’ll need to get a credit report so you can see what your credit report shows about your finances. You can go online to Google and type in “Free Credit Report.” There are some companies that offer a free credit report, but require you to join a service that will monitor your credit report for unauthorized charges on your credit report, called credit monitoring. You must cancel your membership within the time period or you will be charged a monthly fee.
You will need the following copies of bills if they apply to you:
- Telephone bills (including your cell phone bill)
- electricity bills
- Mortgage documents or lease documents
- Car loan financing agreement
- hospital bills
- credit card bills
- Any collection notice
You will also need:
- 4 months of employment paycheck 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 attorney 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 will need to tell your lawyer the whole truth, you should not omit anything about your personal finances. The attorney won’t be able to tell you for sure if they can help you right away; You will need 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 tell you when your first court date will be.