To get started there are two main things we need. A list of your creditors and proof of income.

 

What to Bring: 

1.  List of all creditors, including balances, account numbers and their addresses or bring all your bills. If you are buying a vehicle and/or a house, bring all loan information you can find. A credit report can help remind you of the creditors you owe. We recommend you get a free credit report to assist you in your preparation and bring it will you. At www.annualcreditreport.com you can print one out for free. We can also pull two credit reports for you at our office.       

 

2.  Proof of income for the past six months, starting one month prior to your

appointment. This can be in the form of pay stubs or a print out from your employer. Household income is what we need. If you are living with your spouse, we need proof of income for both of you even if your spouse is not filing with you. 

 

Other Information

Although you do not need to have this initially, we will eventually need either income tax returns or transcripts. If you already have tax returns in your possession, it is best to bring in returns for the past two years at your initial consultation. Ultimately, for Chapter 7, we will need to provide the Trustee a copy of a tax return for the year that has last come due. For Chapter 13, we will need to provide the Trustee with the last four years of tax transcripts. You can get these transcripts free from the IRS by calling 1-800-908-9946 or we can order them for you. The service we order them from charges $35.