I offer free bankruptcy consultations, both for Chapter 7 bankruptcy and Chapter 13 bankruptcy, in Eugene or by phone. These bankruptcy consultations generally last about 30-60 minutes, and I review a consumer’s financial situation through a series of questions I ask and I discuss how bankruptcy may benefit the consumer, either a Chapter 7 bankruptcy or a Chapter 13 bankruptcy. Often, I am asked by consumers what documents should I bring to the free bankruptcy consultation?
My general answer is: just bring yourself. If you decide to file for bankruptcy, I have a list of documents to gather up. However, with that said, some useful documents to at least review before the free bankruptcy consultation, or even bring, include a few items, listed below:
1. Having a clear idea of how much you or your spouse earn is useful – Bringing a recent pay stub or last year’s tax return will work for this purpose. Your income and household size ties into the means test for bankruptcy, and if you qualify for a Chapter 7 bankruptcy.
2. Knowing which debts you have is useful – You can pull free credit reports at Annualcreditreport.com, and you can bring in any bills you have, additionally.
3. If you have been recently divorced, a copy of your divorce decree can prove useful. I look at how property was divided and how debt was divided pursuant to the divorce decree.
4. Any lawsuits or summons for a lawsuit you have received will prove useful.
Again, these are useful documents to have or to have reviewed prior to our free bankruptcy consultation. However, my general rule of thumb is just to bring yourself, and if you decide to file bankruptcy, I have a list of documents for you to gather up. My approach is that you shouldn’t have additional stress in meeting with an attorney to file bankruptcy, it can be stressful enough! I try to keep the process as calm and stress-free as possible for my clients, as this can be a very anxiety-ridden time in my clients’ lives. I try to make the process as streamlined and easy for my clients as possible.
If you would like to schedule your free bankruptcy consultation in Eugene, please call me today. And if you ask what should I bring to our meeting, my general answer will be: just bring yourself, with the one caveat: if you are getting sued currently, I will need you to bring the lawsuit and/or summons.
I look forward to meeting with you!
Attorney at Law