Has debt been a struggle for you? If you have been looking for ways to achieve a financial fresh start, bankruptcy is a great option. Speaking with a bankruptcy attorney is your first step to understanding what options will work best for your situation. In fact, most bankruptcy attorneys offer free consultations. So, how can you get prepared?

How Does a Bankruptcy Consultation Work?

A bankruptcy consultation is where you can discuss your finances and debt in detail to see how the bankruptcy process will reduce or eliminate your debt. Be prepared to answer questions. Don’t be shy! Also, use your consultation to ask questions, go over concerns, and find out more about the bankruptcy process and the best way to move forward.

Should I Prepare Any Documents?

 To assist the attorney in understanding your financial background and filing eligibility, there is documentation you may want to bring with you:
  • Proof of income: pay stubs from your job, self-employment earnings, and other forms of income (workers compensation, retirement, child support, social security, etc). You may need to provide income proof for the last 6 months if possible.
  • Income tax returns: documentation for the last 2 years. If you intend to file bankruptcy make sure taxes are filed and current. If they are not, let the attorney know.
  • List of your debts: credit cards, medical bills, mortgage, vehicle, personal loans, and other outstanding loans or monies owed.  If you have received a summons or notification of being sued (lawsuit), tell the attorney right away.
  • Household expenses: a list of necessary living expenses (food, clothes, utilities, rent, medical and other payments you make on a monthly basis) any debt payments, charitable contributions, and insurance premiums should also be included.
Do you have valuable assets such as property, stocks, a retirement account, jewelry, or other items? If so, ask how these items can be protected if you decide to file.  The more information you have prepared, the better understanding you will have about your bankruptcy eligibility.

Is Your Consultation a Video Conference?

You should be provided with a link to join your video conference. You may be asked to input a Meeting ID and Password, which will be provided. Please be sure to have audio and/or video capabilities.

  • Have a Camera – It is also helpful to limit the background noise ( i.e. kids, pets, coffee shops, car noise, etc.). This will help others can hear you clearly. You can also adjust the lighting to best showcase you.
  • Come Prepared:  Please arrive on time and prepared with a list of questions you would like answered. You may be asked to complete an information form prior to your consultation. This will help the attorney be better prepared for your appointment.
  • Use Chat: Most video conferencing platforms offer chat to share documents, images, and links. This can help to share important information or documents that you may have questions about. 
Need More Information?

At the Law Office of Daniela Romero, we believe in relationships that are based on trust. So, before we work together, we would like you to get to know us. We want you to be sure that we are the perfect fit for you. This will allow you to be completely comfortable sharing intimate and difficult details of your case, so we can offer you representation to the fullest extent of the law. Call us today to set up your free consultation. Good news! Our office, and many others, are offering telephone and video conferencing appointments to get you the answers you need.