It’s always helpful to bring a few things to your first free consultation with a bankruptcy lawyer. During the consultation, our bankruptcy lawyers will make a detailed analysis of your entire financial situation and advise you as to your best options for bankruptcy. To help get things moving quickly, our bankruptcy lawyers ask potential clients to bring in their most recent tax returns and at least 60 days of pay stubs. These items are needed to make some threshold decisions about whether or not you are required to file a chapter 7 or chapter 13 bankruptcy.
Because the free bankruptcy consultation can become very detail oriented, you need to have a good working knowledge of your financial condition. Sometimes a client will come in and answer questions with “My wife knows that…” or “You’d have to ask my wife, she takes care of all the bills.” The consultation is probably not going to get very far in those cases!
Credit reports are sometimes helpful, but are not necessary to bring those to your first free bankruptcy consultation with our office. Knowing who you owe and generally how much you owe is enough to give us a good idea of how bankruptcy can help you.
Please bring any foreclosure notices, garnishments and/or other court documents you may have already received from creditors. Having this paperwork at your free bankruptcy consultation gives us a good start towards stopping foreclosure and garnishments quickly.