What Paperwork Is Needed to File a Bankruptcy?
Generally you will have to fill out a form stating what assets you have, what debts you have incurred, and some other general information about the nature of your financial affairs. Although the form is rather lengthy, most people are able to complete it with paperwork that is readily available such as invoices, statements, and even memory. In the event you need assistance, the trained staff at Hames, Anderson, Whitlow & O’Leary, P.S. can help.
Hames, Anderson, Whitlow & O’Leary, P.S., handles debtor and creditor bankruptcy cases in Richland, Pasco, Kennewick and surrounding areas. We are a debt relief agency that helps people file for bankruptcy relief under the Bankruptcy Code.
For a no-obligation bankruptcy consultation:
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What Documents Do I Need In Order to File a Bankruptcy?
Situations vary, but in most cases the following documents will provide your attorney with the necessary information:
- Wage stubs
- Last two years tax returns
- Recent account statements
- Copies of relevant legal documents including divorce paperwork.
What is the Process?
Prior to filing:
You and your attorney will complete necessary paperwork or “schedules.”
You will be required to obtain a “pre-bankruptcy counseling certificate.” Your attorney’s staff will assist you with this.
The bankruptcy will then be filed and the automatic stay imposed. After this, you will be required to attend a “meeting of creditors” (see below) several weeks after the initial filing.
In a Chapter 7, you will receive a “discharge” letter approximately 60 days after the meeting of creditors. You’re bankruptcy is finished at that time.
In a Chapter 13, at some point after the meeting of creditors, usually 30 to 60 days, there is a “confirmation hearing” that your lawyer will attend on your behalf. At that time, the bankruptcy judge will typically approve, or “confirm” the reorganization plan. From that point forward, your obligation is to simply make the required payments and keep your attorney apprised of any significant changes in your financial situation. A Chapter 13 debtor will receive a discharge letter when the terms of the plan are complete.
Is an Attorney Necessary for Filing for Bankruptcy in the Tri-Cities?
No, it isn’t, however, an attorney who is familiar with the law and procedures will make the process more efficient and take the burden off of you. More importantly, a debtor who represents himself runs the risk of having the bankruptcy dismissed. Depending on the circumstance, a dismissal could prohibit someone from re-filing another petition at a later date.
Hames, Anderson, Whitlow & O’Leary, P.S. has the knowledge and experience you need to get through this trying time as quickly and efficiently as possible with the best possible outcome for your case. We are Kennewick, Pasco, and Richland bankruptcy attorneys you can count on when filing for bankruptcy in the Tri-Cities area.
Don’t lose any more money. Now is the time to act.
Call us at 509-586-7797
Hames, Anderson, Whitlow & O’Leary, P.S., serves creditor and debtor bankruptcy needs for the Tri-Cities (Richland, Pasco, Kennewick, West Richland) and surrounding areas including Hermiston, Benton City, Prosser, Grandview, Sunnyside, Finley, Burbank, Desert Aire, Mattawa, and Othello.
For more information regarding bankruptcy please visit our Bankruptcy FAQ’s.