If you’ve already decided that bankruptcy is the only way out of your financial difficulties and you’ve scheduled an appointment with bankruptcy attorneys in Denver, you are going to need to bring information with you that your lawyer will need to appropriately file your bankruptcy petition. With sweeping reforms to the Bankruptcy Code that were signed into law in 2005, the bankruptcy court system even more closely scrutinizes petitions than before the reforms. In order to make things easier for you, your bankruptcy lawyers in Denver and their staff, be sure to collect and bring with you to your first appointment the following items:
· W-2s or other proof of wages, such as 1099s for the last three years.
· Tax returns for the last three years.
· Bank statements for the last year.
· Most recent bills from every creditor. EVERY CREDITOR. Leave no one out, no matter the cause!
· All correspondence from creditors, including threatening letters.
· All of YOUR correspondence with creditors.
· Most recent payment stubs for vehicle loans, student loans, etc.
· Most recent credit card bills with most up to date balances possible.
· Any other bills from the previous year.
· Copies of your divorce decree, child support documents or any other court orders that demand payment from you.
· Copies of any previous bankruptcy filings.
· Files from any previous lawyers.
· All insurance policies. This includes life, health, car, etc.
· Your mortgage documents and any documentation for second mortgages or line of credit or equity loans.
· Any other promissory notes you have signed.
· Copies of your lease or rental agreement.
· Documentation relating to any investments or stock portfolio.
· All vehicle titles, including boats, RVs, etc.
· Cancelled checks for any other debt you cannot categorize.
· Any documentation relating to any one owing you money. This includes things like royalties, rent monies payable, residuals for intellectual properties, etc.
· Documentation relating to any lawsuits that have been served on you.
· Evidence of any agreements with the IRS for taxes in arrears.
· If you are in arrears on student loans, include any information that may affect your being able to discharge these debts including disabilities.
· Any documentation relating to how you got in this quandary in the first place such as layoff notices, proof of disability, death certificate for a spouse, child or other family member that involved you financially.
· A list of your major assets and their present value.
By having all this information carefully organized, you are helping your lawyer to more quickly compose and file your bankruptcy petition and help you move on with your new life. Your Denver bankruptcy attorneys can help you with further information or questions.
