So you have decided to get a free bankruptcy consultation, and you wonder what to bring. While we have a complete bankruptcy worksheet on our website, we do not need all of this information at your first consultation. As a matter of fact, we really need very little. All attorneys require different things, but we require some basic information. By knowing this basic information, it can help us to determine the proper avenue to help you get on the road to a better financial future.

One of the first things we look at are you and your spouse’s last 6 months of paystubs. We need this information to complete the “means test.” The means test is the main factor that determines if you or you and your spouse qualify for Chapter 7 bankruptcy protection.

It also helps us to evaluate your case if you have an idea of the balances on secured loans and the value of the property securing the loan.(cars and mortgages) Bring the most current bill on each of your secured loans. Knowing the value of each secured loan will help us to determine the best way to proceed. You can get home values at sites like Zillow and Kelley Blue Book for cars. This information will help our attorneys determine if Chapter 7 or Chapter 13 is the appropriate choice for you.

There are many other documents you can bring your meeting. Some clients bring copies of lawsuits and/or judgments, bank records, tax returns and credit report. You can also bring a list of questions, or even bring a friend or family member for support.

At the law firm of Ferguson & Ferguson, we are here to help. We understand the problems you are having, and we are here to help you start back on a road to financial freedom. Call 256-534-3435 or 256-350-7200 now for your free consultation.