Required Documents to File Bankruptcy
March 18, 2015
If and when you decide bankruptcy is the right option for you the first step after consulting with our office is to come in for an appointment. At the bankruptcy law office of Jeffrey J. Randa we would have already prescreened you over the phone to determine if you are indeed qualified to file for Chapter 7 bankruptcy, making the next step of coming in for an appointment and actually put the process in motion.
Our office appointments last for an hour to an hour and a half. This meeting is one of the most essential steps of the bankruptcy process. It allows our office to go over all of your assets, liabilities, and answer any questions you may have face to face. When you call to set up the appointment we will send you, via email or standard mail, directions to our office and a list of documents we would like you to try and gather for your appointment date. This list of documents we recommended you bring to your appointment is paperwork that the trustee, who determines the discharge of your bankruptcy, will ultimately require. Having as much documentation with you upon the appointment really allows our office to answer any questions you may have, as well as our office ask you any necessary questions we have in regards to your liabilities and documents presented. It not only permits more bases to be covered, but results in less work for you in the long run and shortens the bankruptcy process overall. At our office we make sure that we cover every aspect of your bankruptcy filing and bringing in the required documents from the gecko is something we prefer but we do not demand.
The paperwork requested is documents in which apply to you such as: a few months of bank statements, pay advices, tax returns, etc. Your bankruptcy petition is made up of sections, which in bankruptcies terms are called “schedules.” These schedules can only be completed through the provision of these documents. You may have called around and found that other attorneys state that they can and will file your bankruptcy petition with Federal Court without any of the documents our office asks for. These types of bankruptcy offices are filing what is considered a “skeleton petition.” A skeleton petition is a petition that does not include all of the required schedules. When an attorney files your bankruptcy petition without the obligatory documents and schedules it will ultimately suffice in the trustee assigned to your bankruptcy case demanding the documents to be brought forth and your attorney to file the remaining paper work within a very short time frame. This is almost always impossible to get done without a boatload of stress and havoc. If you are unable to produce what is required in the time frame your attorney gets their money, your bankruptcy case will be dismissed, you will not receive your discharge (meaning you will still be liable for your debts), a bankruptcy filing will be reported to your social security number and will you not be able to file bankruptcy for another 8 years. This is NEVER something you want to do.
We understand that you may not be able to bring every document with you to your appointment so we only require you to bring your pay advices. All other necessary documents can be provided to us before the filing of your petition, but we will not file your Chapter 7 bankruptcy without them. The main priority of our office is providing our clients with relief rather than getting them in a bigger pickle. We make sure all necessary steps are completed and that we thoroughly go over everything with you to prevent any unnecessary bumps down the road. If you need to file bankruptcy and want an attorney and staff that genuinely cares about your affairs and doing things right, give our office a call today at 586-465-1980 and we can set something up for you.