Startup Packet (online)

Please contact me once you complete this form, so we can begin the next steps.

Bankruptcy Start-Up Packet – Can Be Used for Chapter 7 or Chapter 13.

Your Name

First Middle Last Suffix

Age

Date of Birth

Social Security #

Marital Status

Married

Single

Separated

Divorced

Widowed

Are you both filing for Bankruptcy?

Yes

Spouse's Name

First Last

Spouse's Age

Spouse's Social Security #

Cell Phone

Home Phone (If different from cell)

Email Address

Current Address

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Who owns the property?

I/we

Landlord

Family

Friend

Do you presently own; are you buying; or are you involved as a part owner in any real estate (home, land, cottage, rental unit)?

Yes

Real Estate (Your House)

Address of property

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Is this your residence?

Yes

Year Bought

Price Paid

Present fair market value

Present balance owed on property mortgage, land contract, or liens

Name of Mortgage Company

Whose names are on deed?

State Equalized Value

Have you owned any other REAL ESTATE in the past 5 years?

Yes

Vehicles

Are you buying, or do you currently own or lease any cars, trucks, mobile homes, boats, motorcycles, snowmobiles, or recreational vehicles?

Yes

Please list ALL CARS OWNED (even old ones, click + to add more):

Year

Make and Model

Lease or Purchase

Name(s) on Title

Keep or give back

Present Value

Amount owed

Creditor

Approximate Mileage

Personal Property

Property that you currently own that you will keep. Do not leave blank, estimate the value of all possessions. It is important that you list all property you own, so that I can exempt or protect it from the hands of your creditors. The law is very generous in what you are allowed to keep. I will inform you if your assets are over the limit.

Deposits in any bank or credit union (click + to add multiple)

Location

Checking/Savings

Amount

Security Deposits with Landlord or management co.

With whom?

For What?

Value

Property Value

Please place the total value if applicable into the boxes below for each item listed. All values should be approximate values you could get if you sold the property at a garage sale or advertised in the newspaper.

Household furniture

Appliances

Electronics

Rings

Necklaces

Bracelets

Clothing

Furs

Firearms

Valuable Collections

Sports/Hobby Equipment

Tools

Life Insurance Policies with Cash Value

Stocks

Bonds

IRAs

401K Plans

Pension Plan

Thrift savings at work

Anticipated tax refund due

Child support owed to you

Any lawsuits for injury/accident, workers' comp claim, or claims for money against anyone or expected inheritance in probate court?

Income

Occupation (Job Title)

Employer

Employer's Address

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Your Employment Information

How long Employed? Years

Months

Pay Rate/Hour

Hrs. Week

Full Monthly Gross Income

Full Monthly take Home (After Taxes)

Spouse's Occupation (Job Title)

Spouse's Employer

Spouse's Employer's Address

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Spouse's Employment Information

How long Employed? Years

Months

Pay Rate/Hour

Hrs. Week

Full Monthly Gross Income

Full Monthly take Home (After Taxes)

Are Union Dues deducted from your pay? If yes, how much per month?

Is Child Support deducted from your pay? If yes, how much per month?

Is Insurance or Parking or Uniforms deducted from your pay? If yes, how much per month?

Current dependents (include children you pay child support for and your spouse, if not working, click + to add more)

Age

Relation (ie. son, daughter, etc.)

Monthly Living Expenses

Please provide me with your average monthly living expenses. Do not list any debts that you are paying on that you will stop paying when your bankruptcy case is filed, such as a car that is being returned, etc.

Amount in $

Rent

Mortgage Payment

Second Mortgage

Electric /Heating

Water & Sewer

Phone

Cable

Food

Clothing

Laundry

School Tuition

Medical /Dental

Home Security

Internet

Hair care /personal /misc.

Car Payment /Lease

Car Insurance

Transportation (gas, oil, car washes)

Recreation

Charity

Other Insurance

Life Insurance

Property Taxes

Child Support

Alimony

Day Care

Tobacco

Loan Payment

Pet food /care

Children's Activities

Other expenses, specify

Income From Employment

How much money did you make so far this year, last year, and the year before. This is required information; do your best to estimate the amount.

Year-to-Date Gross Income

Gross Income Last Year

Gross Income Two years Ago

Spouse's Income From Employment

Year-to-Date Gross Income

Gross Income Last Year

Gross Income Two years Ago

Income Other Than From Employment

Describe ADC-FIA, Social Security, Unemployment, Disability Insurance, Child Support, etc.

This Year

Last Year

Two Years Ago

Spouse's Income Other Than From Employment

This Year

Last Year

Two Years Ago

Do you collect Child Support now? If so, how much on average per month?

The Following Questions Will Help Me Analyze Your Case

Have you or your spouse ever filed bankruptcy before? If so, state when and where. Include chapter and case number, if available.

Are there any garnishments or other court actions such as divorce going on at this time? If so, please provide the full name of the creditor suing you, the court address in which the action is pending, and the case number.

Have you had any property repossessed or foreclosed on within the last two (2) years? If so, please give the name of the creditor and the property taken and the approximate date it was taken.

Have you sold or transferred (by sale or gift), any items of real or personal property within the last two (2) years? If so, please indicate the item that was given, the value of the item, and the person to whom it was given, and if they are related, please provide their name and address.

Have you lived at any other address within the last three (3) years? If so, please provide the full address and the approximate date you lived at this address. (From when till when-month/year, e.g. from 4/95 to 8/98)

Have you owned a business or been self-employed within the last six years? If so, please provide the years of operation and the amount of profit for each year.

Have you made any large payments, $600 or more, to any family member, close friend, or business partner that you owed money to in the last year? If so, give name, date, and amount.

Have you closed any bank accounts or safety deposit boxes within the last year or suffered any losses from fire, theft or casino gambling? If so, please indicate what.

Do you presently lease any property? If so, please indicate what is leased and from whom, such as a car or apartment/house. Provide the complete address of the landlord, if you signed a lease.

Is anyone, other than your spouse, liable for any of the debts you listed? If so, please provide the name and complete address of any co-signers and the debt upon which they co-signed.

Briefly state any reason causing you to file Bankruptcy at this time. (e.g. loss of job or overtime, illness, accident or disability, divorce, repossession, garnishment, death of spouse, or just poor financial planning credit card interest.)

Listing Your Creditors

The most important rule in filling out the next section is that you try to list every debt you owe. I will pull a bankruptcy specific credit report which will contain most, if not all of your creditors, I will cross check this report with the list that you provide. Please do your best to try to list all your debts. The law says that even if you forget to list a creditor, the money you owe them is still wiped out. Listing a debt does not automatically mean you want to discharge that debt. Many debts you will want to keep, such as a mortgage or car loan. The debt must still be listed so that the trustee can see your whole financial picture. On the following pages, list the FULL NAME AND ADDRESS, INCLUDING THE ZIP CODE of each of your creditors. In the alternative to listing each debt individually, you may provide my office with all collection letters, credit card statements, medical bills, summons & complaints, judgments, etc. YOU MUST LIST ALL PERSONS AND COMPANIES YOU OWE MONEY TO EVEN IF YOU WANT TO KEEP THE DEBT. This includes your obligations under a car lease, apartment lease, car loans, home mortgages, furniture financing, etc. If an account has been turned over to a collection agency or attorney, please list the name and address of both the creditor and the name and address of the collection agency or attorney. This ensures notices will be sent to both agencies to stop them from harassing you. If you are a co-signer for someone on a particular debt, be sure to list this also. If you have a co-signer on a debt, note this in the reason for debt section.

Click + to add a new creditor – If a husband and wife are both filing this bankruptcy, put a ‘H’ for debts where only the husband is liable, ‘W’ where only the wife is liable, ‘J’ (Joint) if both are liable, and 'C' if there's a cosigner. The most important information I need, is the complete address of the creditor. You don’t need the exact amount you owe and you don’t necessarily need the account number. List it even if you don’t know how much you owe. Note: Pressing the enter button in this column will attempt to submit the form! Please leave creditor addresses in a single line.

Creditor Name

Address

ZIP

Amount Owed

Kind of debt (credit card, medical, car loan, etc.)

Liability (H/W/J/C)