Considering Bankruptcy? well then we need to prepare. We get calls all the time about what documents people need in order to file for bankruptcy. Some of the information we may need are:
1) Your credit reports
3) Six months pay stubs
4) Last three years of taxes
5) Car Finance or Lease papers
7) Mortgage Note
8) Appraisal or Market Analysis of your home.
The list can go on and on depending of what you have and your finances. These we go over at the office in our official meeting. We will also ask you to fill our application to get a better grasp of your situation.
I often get asked why do debtors have to do this? The answer is simple. You are asking the court to forgive all your debts then you need to prove why you can't pay them. In this article I am not going to go on to income and means test calculations but you should keep in mind that there is income standards and if you are above then you have to the means test.
Often times people get worry about the pay stubs because most people don't save them. Usually HR department in you office can do this. In some extreme circumstance you can ask your attorney to send a letter.
If you have any questions regarding bankruptcy you can contact us at (201) 880-5563 or visit us at www.ruizdoolanlaw.com.
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