What Should I Bring to My Office
1) List of debts. You should make a simple list of every
debt you owe, including mortgage and car payoff balances, loans, credit cards, overdrafts, bounced checks, loans
from friends or family, medical bills or any other debt you might owe. The name of the creditor and the amount
owed are what I need to me analyze your situation quickly. I do not want to use up your consultation time
going through bills when I can look at a list in under a minute.
2) Bills. As you go through your bills to put the list together for your
consultation, you should gather your bills together since I will need them if I prepare a case for
you. (If you can't bring them this time, you can provide them later). Put the bills into an envelope, bag
or box and bring them with you since we will need those if you go forward with filing a bankruptcy case.
I need any recent bills/letters sent to you in the last 3 months. I need at least
one "regular" bill (what you got while you were making your payments) from each (original) creditor, even if it
is old. I also want any letters or bills that the creditor may have sent asking for payment (they have different
addresses), and any collection letters on each account. (You don't need to bring duplicates if the information looks the same,
except for the amount owed).
3) Income records. If you get a paystub from a job, you should
bring your most recent paystub, or your most typical/average paystub if your pay varies. Under the new law, we will
need some documentation of all your income for the last six months so if you have them, bring it. If you work
for yourself, don't get a paystub, or don't have the information, please bring whatever records you have that will show
what you have made over the last six months and I will do the best I can to give you an idea of your options.
4) Legal documents. If you were sued, have a foreclosure against you, were divorced
with a separation agreement, or have any other legal documents that you think might be important,
you should bring them with you.
5) Car values. NADA printout for ALL vehicles you own or are titled in your
name, whether they are paid for or you are making payments. Please print the page from www.NADA.com and bring it with you.
6) House/land value. If you own a house or other land, it is helpful to have
a good idea of the value that you could sell it for. You should probably know this anyway. If there is time before
you come in, please try to do a little research. Appraisals for refinancing are often higher than true market
value so you should not rely on those, but if you have had any recent appraisals, let us know. Look in your neighborhood
to see what similar houses/land are listed and selling for. Speak to realtors that are selling in your area. You
can look online for comparative sales to get a general idea. You can get this information at http://meckcama.co.mecklenburg.nc.us/relookup/
7) Appointment Form. If
you have an appointment with me, please fill out my online "First Appointment Form" with some of the
information I will need, and submit it to me by email at least 24 hours before your appointment. This will make
your appointment go faster, and will be easier for you to do from home.
Click here: First Appointment Form. (If you haven't made an appointment yet, please email me by clicking here: Email for Potential New Clients).
6) If you need a map to my office, click here: Map to Office & Court.
7) Your spouse/partner. If you are married or live in a family situation where your money is pooled
or you share expenses, you should bring your spouse/partner, even if they might not be filing bankruptcy,
or at least fill out the appointment form with them before you come in. Under the new law, their income and their expenses
are relevant so please, at least have a really good idea about what their income is and what they pay for their
cars, bills, etc. You should bring a few of their pay stubs with you. (If there is a reason that you do not want
your spouse to be there, please let me know in advance).
A "regular" roommate that splits expenses does not need to come, but I will need to know how much money they contribute
to the bills each month.
These items will help me get to know you so that I can analyze your case as
quickly as possible, and leave more of your office conference available to for me to give you specific information about your
situation. The items requested are not meant to overwhelm you and should not stop you from seeking legal advise.
If you have problems with any of the requested items, please ask discuss it with us.
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