We come highly recommended by our clients, trustees, local attorneys, and our local legal aid office. Why?
The filing documents we prepare are straight up by the book and you wouldn't want it any other way.
You must be eligible to file Chapter 7 bankruptcy. This is determined by the means test which is why we need your last 6 months of paystubs, beginning with the month prior to your filing bankruptcy.
That being said, Chapter 7 is generally the simplest and quickest form of bankruptcy and is available to individuals, married couples, corporations, and partnerships. In many individual & married couple cases, most if not all the assets are exempt, therefore the trustee will not seize any of your property.
The most impo9rtant forms are the voluntary petition, schedules, and statement of financial affair.s. The petition consists of your name, address, and fining info such as the type of bankruptcy you are filing and whether you are paying your filing fees in full, in installments, or requesting a fee waiver. Your schedules are where all assets, liabilities, income, and expenses are listed.
You must list ALL of your debts, even if you intend to reaffirm the debt (keep the property & continue making regular payments until the debt is paid in full).
Why? The court cannot discharge any debt that is not listed or did not get a notice of your bankruptcy filing due to an incorrect address.
Both the schedules & statement of financial affairs are signed under penalty of perjury therefore it is extremely important that you tell the truth and do not leave out assets such as a pending inheritance.
Your bankruptcy documents must be filed with the bankruptcy clerk in the district in which you live, or have lived for the greater part of the last 180 days.