What to bring to free bankruptcy consultation?
What should I bring to my consultation?
Tax returns for 2020 and 2021 (W-2 if return not available) If you have filed 2022, please bring it instead of 2020. If you can’t find return, tax (account) transcripts can be obtained from the IRS at 1-800-829-1040. Have them faxed or mailed to you. Some clients have had luck with www.irs.gov in ordering transcripts. www.irs.gov/individuals/get-transcript. You do not want to ask for a copy of your return because that costs money and a transcript is free.
Paystubs (proof of pay or personal income) for the 6 months ending the month before we file. If you receive the same amount each paycheck all I need is the last 2 months. It is from this information that I have to prepare the Means Testing calculation so it is very helpful to have detailed stubs showing taxes withheld and insurance etc. Self employed individuals please provide income and business expenses. Social security, Disability or unemployment can be 2 months bank statements or award letter
A written or typed list of every creditor that you owe money to. This list should include names, addresses, account numbers and amounts owed to each creditor. In order to double check your records, free yearly credit reports are available at www.annualcreditreport.com. Please prepare a written list and don’t hand me the report as credit reports have a lot of useless information that is time consuming to plow through. Your list needs to include house and car creditors as well as any payday loans or medical bills also in addition to credit cards and school loans. Please use the inquiry or correspondence address if available since we want to get the creditor notified at the best possible address. I do not need phone numbers.
You will have to complete a credit counseling class as a requirement in order to file the case. It must be completed before the case can be filed. It is available online at www.decafnow.com . It costs around $15. It can be taken online anywhere. We can not file the case without the Certificate of Completion of the course. My reference code is BTX95196 so that I will be sent a copy of the certificate
To contact me by email, please use this address: hollyguelich@sbcglobal.net.