If you're like me, you probably procrastinate with many things that need to get done, like school work or important tasks at work. However, when it comes to your financial future, you should be careful and make sure that you are as prepared as possible before talking to a bankruptcy lawyer. Getting organized before your meeting will help you feel more confident and give you a leg up over most consumers.
Getting your financial house in order will take some effort, but this will of course be worth it. Getting all your paperwork together and knowing exactly where you stand is important for deciding whether bankruptcy is right to begin with. It also ensures that you have the right information for your lawyer so you can get the best advice possible.
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It may even result in lower legal fees because you will spend less time asking your lawyer basic questions. You will also have done some of the work that is required, such as putting together some financial documents.
What should you put together for your meeting? Make sure to calculate all of your income and expenses, including your mortgage balances and car payments. Also, you'll need to tell your lawyer how much your house and car are worth, as well as whether you are behind on any of your payments. Calculate any back taxes that you owe and get together your mortgage documents and payment stubs for the past 60 days.
Your lawyer will probably ask you many other questions including whether you are considering getting married or getting divorced, whether your household income has changed recently, and whether you have a foreclosure pending. You'll be asked about any lawsuits that you are facing and whether you have repaid any debts to your family members or friends in the past year.
This last one might surprise you, and many people don't think about it before they declare bankruptcy. You see, creditors want to make sure and get as much money as possible from you. If you give money to your family (even if it is paying off a legitimate debt), this can be seen as transferring funds temporarily in order to avoid paying your creditors.
Is Bankruptcy Right For You? Talk to Bankruptcy Attorneys Free and Confidential. Licensed bankruptcy attorneys are available. Attorneys will call you to discuss your case for free. Find out if bankruptcy is right for your situation.
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