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To prepare the documents necessary to file for bankruptcy, I will need the following information:

1. Assets – A description of everything you own and the value of each item, including your home, retirement benefits, bank accounts, clothing, furniture, life insurance, vehicles, etc.

2. Debts – A list of your creditors, including the address for each creditor, the 
balance due to each creditor, the last four digits of the account numbers, the date that you last used each of your credit cards or incurred the debts and the dates and amounts of all payments to creditors for the last 90 days.

3. Income – 60 days of your most recent pay stubs or documentation for unemployment compensation or other benefits and sufficient pay stubs to allow me to calculate your average income for the last six months.

4. Expenses – A list of your monthly expenses in detail.

Fees – The filing fee for the Bankruptcy Court is $306 for a Chapter 7 case or $281 for a
Chapter 13 case. My fee for a Chapter 7 case is $2,000 and for a Chapter 13 case my fee is

Meeting of Creditors – Approximately 4 to 6 weeks after you file your petition with the

Bankruptcy Court there will be a meeting with the Trustee and any creditors that choose to
appear (in almost all cases there are no creditors at the meeting). At the meeting, you need to bring with you picture identification, your social security card, a copy of your most recent pay stub, all bank statements that include the date that you filed your petition plus two months prior to that statement, documentation regarding the value of your home (comparative market analysis or appraisal), mortgage payoff statements, retirement benefit statements and any other documents that the Trustee requests.

Credit Counseling – Within 180 days before the date that you file your petition with the
Bankruptcy Court, you are required to complete a credit counseling program.

Debtor Education/Financial Management Instruction Course – Prior to 60 days after the

first scheduled Meeting of Creditors, you are required to complete a debtor education/financial management instruction course.

Discharge Order – Approximately 5 months after the date you file your petition, you will
receive a Discharge Order from the Bankruptcy Court.

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