What to Bring ChecklisT
o Proof of Identification: Copy of your Driver’s License, ID or Passport
o Proof of Social Security Number: Copy of your Social Security Card or non-redacted W-2
o A copy of your completed Credit Counseling Certificate. See attached
o Completed Asset and Expense Sheets. See attached
o A copy of your most recent retirement account statement, including any IRA, 401(k), 403(b), PERS, FERS, or TSP account.
o A copy of your most recent whole life insurance statement, HSA account statement and/orany other financial account.
o Last 3 bank statements for each bank account.
o Tax Returns: Complete copy of your 2022 and 2023 tax returns, including all schedules and W-2s
o Proof of Income: The prior six months of consecutive pay stubs, earning statements or other proof of earnings, as well as such statement for the current month:
1) Employment pay stubs2) Unemployment statements and/or a printout from the Unemployment Security office3) Child Support4) L&I Statements5) Social Security statement, food assistance award statement, VA income, Pension income award letter or bank statements showing deposits of retirement or any other income for the past 6 months6) If you own a business, provide the last 6 months of Profit & Loss Statements
o For each piece of Real Estate you are purchasing or in which you have an interest: your most recent mortgage statement(s).
o For each Vehicle, Boat, Jet Ski, RV, 4-Wheeler or Motor home or Trailer you are purchasing or in which you have an interest: 1) The most recent billing statement(s). Must include the payoff amount.
o Most recent statement you have for all other debts(credit cards, lines of credit, medical debts, student loans, IRS debt, other tax debt, and/or anyone and everyone you owe)
o Credit Reports from www.annualcreditreport.com for each individual filing (must be able to print the full report or save it as a pdf. OR I can pull a combined credit report for $45/person.
o Copies of Lawsuits, Garnishments, and Foreclosure documents that you have received.
o If you are required to pay or are paying Child Support and/or Alimony or Maintenance: Provide the name and address of the person(s) who receives these payments.
o A copy of all Divorce Decrees or Property Settlements entered within the past two years.
o A copy of any documentation regarding any legal claims you may have, including: Auto accidents, L&I Claims, other personal injury claims, or claims or any other nature. Provide the name and contact information for any attorney that may be representing you with respect to the claims.
o For any real property, vehicle, boat, trailer or any other property of any kind sold, gifted or otherwise transferred in the last 2 years, whether in person or via Ebay, Craigslist, OfferUp, Facebook Marketplace or any other site: the date of the transaction, the buyer or recipient's name/address (if known), the item, and the amount paid to you.
o For each Vehicle, Boat, Jet Ski, RV, 4-Wheeler or Motor home or Trailer you are purchasing or in which you have an interest: 1) The most recent billing statement(s). Must include the payoff amount.
o Most recent statement you have for all other debts(credit cards, lines of credit, medical debts, student loans, IRS debt, other tax debt, and/or anyone and everyone you owe)
o Credit Reports from www.annualcreditreport.com for each individual filing (must be able to print the full report or save it as a pdf. OR I can pull a combined credit report for $45/person.
o Copies of Lawsuits, Garnishments, and Foreclosure documents that you have received.
o If you are required to pay or are paying Child Support and/or Alimony or Maintenance: Provide the name and address of the person(s) who receives these payments.
o A copy of all Divorce Decrees or Property Settlements entered within the past two years.
o A copy of any documentation regarding any legal claims you may have, including: Auto accidents, L&I Claims, other personal injury claims, or claims or any other nature. Provide the name and contact information for any attorney that may be representing you with respect to the claims.
o For any real property, vehicle, boat, trailer or any other property of any kind sold, gifted or otherwise transferred in the last 2 years, whether in person or via Ebay, Craigslist, OfferUp, Facebook Marketplace or any other site: the date of the transaction, the buyer or recipient's name/address (if known), the item, and the amount paid to you.
AFTER INITIAL INTERVIEW – WHAT HAPPENS NOW
You have received your What To Bring Packet. While this list may not be allinclusive given the details of your particular situation, the list of documents requestedare needed, should they apply to you, in order to prepare your case.
Now you must gather up All the information and bring or send All theinformation requested to my office. Until all the information requested and All theAttorney Fees are returned to my office, your case WILL NOT BE READY TO BEFILED WITH THE COURT.
Once all the requested information and the Attorney fees are paid in full.I will finish preparing your case. It generally takes 2-10 days to complete yourpaperwork. Once the paperwork is complete, I will contact you to set up anappointment with you to review, sign and file your case with the court.
Remember until all the above has occurred you are NOT in a bankruptcy.
This means that any Lawsuits, Garnishments, Levies, Foreclosures or Repossessions currently in progress will continue.
The Following are IMPORTANT REMINDERS
1) Do not use your credit cards any longer. Do not incur any new debt. Do notrefinance any property or purchase any new property or vehicles, unless discussedwith your attorney.
2) Do not sell, transfer, borrow against or give away anything that you have.
3) Do not pay back any money that you may have borrowed from friends and family.
4) If you are keeping your HOME or VEHICLE you MUST continue to make yourpayments and keep your insurance current.
5) Please do not spend your tax refund until you have discussed how the money willbe spent with me.