What to get together
Documents you may need: 1. Many lawyers have a bankruptcy worksheet to complete (see our weblink for the one we use). Complete it thoroughly so your lawyer has enough information to know if you can file and what will happen. 2. Your most recent federal tax return 3. Your paycheck stubs and other proof of income for the last six months 4. Any court orders related to child support 5. Any lawsuits or garnishments against you 6. Credit reports from all three credit bureaus 7. A state or federal issued photo ID such as a drivers license or passport 8. Your social security card or a W-2/1099 showing the SS number
What to do and not to do
1. Avoid making payments to creditors or transferring property before talking to your lawyer. 2. Stop using credit cards. 3. Wait on talking to creditors until you see your lawyer. 4. Get a pre-filing credit counseling certificate. While some places charge $60+ for this, the company in our weblink charges $25 (be sure their certificate is accepted in your local federal court).