All About Money

Debt has become overwhelming and you’ve spent your store of ideas to set things right. No one likes to believe that bankruptcy might become part of their future, given its lasting effects on credit rating, insurability and even employment. But if this appears your only way out of debt, Washington bankruptcy services can provide you with the information and guidance you need to understand the new bankruptcy reforms, signed into law in October of 2005. Filing for bankruptcy can be a complex undertaking. In order to make the process smoother, bankruptcy services in Washington recommends you bring the following materials with you to your first meeting with one of our attorneys:

Most recent bills from every creditor. Don’t leave any creditor out, no matter the temptation to do so. Trying to pay off debt on the side while you are in a bankruptcy plan is more difficult than it sounds.
All correspondence from creditors, including threatening letters.
Most recent credit card bills with most up to date balances possible.
W-2s or other proof of wages, such as 1099s for the last three years.
All agreement with creditors, including threatening letters.
Any written correspondence you have had with creditors
Tax returns for the last three years.
Bank statements for the last year.
Most recent payment stubs for vehicle loans, student loans, etc.
Any other bills from the previous year.
Copies of your divorce decree, child support papers or any other court orders that require payment
Copies of any previous bankruptcy filings.
Files from any previous attorneys.
All insurance policies.
Your mortgage documents and any documentation for second mortgages or line of credit or equity loans.
Any other promissory notes you have signed.
Copies of your lease or rental agreement.
Documentation relating to any investments or stock portfolio.
All vehicle titles, including boats, RVs, etc.
Cancelled checks for any other debt you cannot categorize.

Any documentation relating to anyone owing you money. This includes things like royalties, rent monies payable, residuals for intellectual properties, etc.
Documentation relating to any lawsuits that have been served on you.
Evidence of any agreements with the IRS for taxes in arrears.
Information and balances in any student loans you might have. If you are in arrears on student loans, include any information that might effect your being able to discharge these debts including disabilities.
Any documentation relating to how you got in this predicament in the first place such as layoff notices, proof of disability, death certificate for a spouse, child or other family member that involved you financially.
A list of your major assets and their present value.

Contact Washington bankruptcy services for more information.

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