Bankruptcy Documents Necessary To File Your Case
The following documents must be provided to Sutherland Law Office to file your case. Additional documents may also be necessary based on the particulars of your individual case. Collecting these documents before or immediately after your initial consultation will speed up the time it takes to file your bankruptcy petition and get the relief you need from your creditors.
Bankruptcy law requires that you provide proof that you are who you say you are. Please bring with you to the initial office visit an official photo ID (i.e., a driver’s license or passport). You are required to verify your social security number, so please bring your Social Security card.
2. PROOF OF INCOME.
Bankruptcy law requires that you provide proof of your average monthly gross income from all sources for the last 6 months beginning with the first month before you file your case. Please provide all pay stubs or other records of income for the past seven months. Remember, these records are for income from employment, and ALSO tips, bonuses, commissions, child support, alimony, support from someone paying or sharing your living expenses, rental income (gross and net shown on a monthly basis), unemployment income, social security payments, retirement and/or pension income, interest, dividends, and income from any other source. Whether you are filing with or without a co-habitant spouse then you will need to provide this information for both you and your spouse. If you have your own business, you must provide a monthly Profit & Loss Statement for your business.
3. BANKING RECORDS.
Please provide monthly statements from ALL bank accounts, or other financial institution for the last 90 days.
4. INCOME TAX RETURNS.
Please provide your income tax returns for the last 2 years. If you have not filed any of these tax returns please begin that process as soon as possible, as we will not be able to file a bankruptcy until those tax returns are filed. If you are filing a Chapter 13, we will need tax returns for the last 4 years, including business tax returns if you own a business and file separate business tax returns.
5. GARNISHMENTS OR JUDGMENTS.
If you are currently being garnished or have recently been garnished, please provide the creditor that was/is garnishing you and any documentation of such garnishment.
6. DEBTS OR ACCOUNTS NOT LISTED ON YOUR CREDIT REPORT.
A statement for all of your debts including those for credit cards, medical bills, personal loans, auto loans, furniture loans, jewelry loans, lawsuits, that are not listed on your credit report. You do not need to pull a credit report as we will do so as part of the bankruptcy filing. As credit reports do not always list all of your debts, it is always helpful to make a list of your creditors to ensure we list all of your creditors in the bankruptcy. Some creditors that may not be listed on your credit report may be recent medical debt, delinquency on an apartment lease, co-signed debt, tax debt, negative balances on a checking account, dental bills, debts that have been “written off”, payday loans, etc . . . While we can always add creditors to the bankruptcy once the case is filed, it is an additional fee and it is best to list all creditors when the bankruptcy petition is filed.
7. PROPERTY DOCUMENTS.
Your most recent statement for stocks, mutual funds, IRAs, 401k’s and other retirement assets.
8. OTHER DOCUMENTS AS NEEDED DEPENDING ON YOUR UNIQUE FINANCIAL CIRCUMSTANCES.
9. CLIENT QUESTIONNAIRE.
You will be required to fill out a Bankruptcy Client Questionnaire provided to you by Sutherland Law Office before your case can be filed.
Call Sutherland Law today with any Bankruptcy Questions you may have.