OLSEN, OLSEN & DAINES Chapter 7 Signing Form

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "OLSEN, OLSEN & DAINES Chapter 7 Signing Form"

Transcription

1 Dear Client: OLSEN, OLSEN & DAINES Chapter 7 Signing Form After you have reviewed the bankruptcy petition we need you to CAREFULLY read the following, initial each paragraph and sign at the end. Be sure to discuss any questions that arise after you have read this with your attorney. Many of these paragraphs will not apply to you. We have learned over the years that people tend to have the same misunderstandings when filing bankruptcy. This form is designed to review tricky areas that might be missed or where someone might get confused. WE CANNOT IMPRESS UPON YOU ENOUGH TO UNDERSTAND THESE QUESTIONS AND TO REVIEW ANY QUESTIONS YOU HAVE WITH THE ATTORNEY. You understand that the bankruptcy should be filed at a time during the month when your bank accounts are naturally at a low balance. PLEASE CIRCLE WHICH DAY OF THE MONTH DURING THE NEXT 30 DAYS WILL BE MOST BENEFICIAL FOR YOU, 18th OR 28th. If you need another date, please discuss this with the attorney. You are responsible for making sure that your bank account balances are low on the date you select. This means you will need to use money orders prior to filing. Do not keep the money in cash - get a money order and send it in the mail for your ongoing bills. Writing checks will not immediately lower your bank account balance as it may take a week or longer too clear your account leaving your actual bank balance high. If the date you select is a weekend or holiday, the case will be filed on the next business day. 1. A chapter 7 can be filed once every eight years. You have NOT filed any form of bankruptcy within the last eight years with the law office of Olsen, Olsen, and Daines or any other office. You also understand that you must have resided in Oregon for the last 91 days to file a bankruptcy in Oregon. If you are filing together, you are not divorced or there is no possibility a divorce will be final before your bankruptcy is filed. If you have been in a bankruptcy within the last 180 days, you are not aware of any order of a bankruptcy court, which prohibits you from filing this chapter 7 at this time. 2. You do NOT have a pending personal injury, worker compensation, or ANY other type of claim or POTENTIAL claim for money damages (including any claim where our office represents you). This also includes a class action claim. 3. You understand that if you are owed a tax refund or if you will be owed a tax refund within the next 12 months, you might have to pay the refund to the bankruptcy trustee. You understand that if the tax refund is more than $700 if you are married and $350 if single it is likely that he will make a claim on the refund. You understand you can wait to file the bankruptcy until after you have received the refund. chapter 7 signing

2 4. You understand that if you have repaid a relative any money within the 12 months before filing bankruptcy the trustee may make a claim against that relative for a return of the money. If you have paid any other unsecured creditor more than $600 in the last three months before filing, the trustee may recover that money. You also understand if you have sold an asset for less than a fair value the trustee can move to set that sale aside, take the asset and use it to pay creditors. 5. You understand that you will be required to go to a First Meeting of Creditors or 341 meeting. It is the only Meeting you will be required to attend and if you fail to attend your case will be dismissed. YOU WILL BE REQUIRED TO BRING PHOTO ID TO THE HEARING. YOU WILL ALSO NEED TO BRING A DOCUMENT VERIFYING THE ACCURACY OF YOUR SOCIAL SECURITY NUMBER (A SOCIAL SECURITY CARD, A MEDICAL INSURANCE CARD SHOWING YOUR FULL SOCIAL SECURITY NUMBER, A PAY STUB SHOWING YOUR FULL SOCIAL SECURITY NUMBER, or A W-2 SHOWING YOUR SOCIAL SECURITY NUMBER). This must be an ORIGINAL and not a copy. The trustee may send you a letter requesting certain items at the First Meeting of Creditors. You might also receive a letter from our office. You understand that in order to complete the First Meeting you will need to bring the items that the trustee or our office instructs you to bring. These may include bank statements covering the date of filing, current property tax statements and tax returns. Normally an attorney from our office will appear with you at the first meeting. You understand that under certain situations we may arrange for an experienced bankruptcy attorney that is not part of our firm to appear with you at your hearing. 6. The information contained in the bankruptcy petition is accurate and includes all of your assets and creditors. You understand you are signing under penalty of perjury. You have also included all codebtors, cosigners and ex-spouses. Assets people sometimes forget to list are injury claims, inheritances, and tax refunds. You understand that you can list your electric, gas or phone bill and they cannot shut your utility off but that you may be required to pay a deposit for future service. You understand that we recommend that you list your utility if you owe for more than the current month and the bill is over $ You understand that if someone dies with 6 months of the filing date and leaves you an inheritance or life insurance, you must pay this money to the bankruptcy trustee to be paid to your creditors. If this event is likely DISCUSS THIS WITH YOUR ATTORNEY NOW! 8. You have not sold or transferred, or given anything to a friend, relative or ex-spouse within the last four years and if you have you must discuss it with your attorney and he will initial with you below that it has been discussed.

3 9. You understand that the trustee can require you to pay him all nonexempt property, no matter how small. For example, only 75% of your wages are exempt: the trustee can require you to pay him 25% of any wages owing to you on the date of filing. The trustee WILL NOT NORMALLY make a claim on wages unless there are other assets in your case. If the trustee has one asset that is large enough for him to take then he will also make a claim for other assets like wages. It is important that each asset that is nonexempt be kept at a minimal amount and you should discuss this with your attorney if you have any concerns in this area. 10. If you are in business, you have discussed this with your attorney and you realize that you must close the business before the chapter 7 is filed and you may reopen immediately thereafter. You understand that the trustee will have a claim on accounts receivable or other assets of the business that are not exempt. a. You understand that you must open a new set of business books and business bank account beginning the day after the bankruptcy is filed initial please: b. You understand that the trustee might require you to change your business name, for example if your business was Speedy Construction you can change the name to Dave s Speedy Construction. initial please: 11. If you have a leased car or have any other lease you understand that the law states that the lease must be affirmed within sixty days after the case is filed. If the lease is not affirmed, the lease will be deemed canceled. You understand that we normally do not recommend that clients assume leases. If you assume the lease and later default the creditor will have a claim against you under the terms of the lease agreement. We have found that most lease creditors as long as you are current on the payment will allow the lease to continue without an assumption of the lease. The advantage to you is that if you later decide not to keep the leased item you can simply return it without owing any more money. 12. You understand that secured creditors may contact you regarding a reaffirmation of a secured debt. We normally discuss this reaffirmation at the First Meeting of Creditors. A creditor can require you to sign a reaffirmation if you want to keep the collateral. If you do not reaffirm and you later default and they repossess the car they may not make a claim against you for the deficiency. If you reaffirm you are signing a new contract and they will have a claim against you if you default in the future. You understand that certain secured creditors may not send bills and that if you want to keep the item you will need to keep the payment current even without receiving a bill. IF THE PAYMENT IS WITHDRAWN FROM YOUR WAGES OR CHECKING ACCOUNT THAT WILL LIKELY STOP AND YOU WILL NEED TO MAKE THE PAYMENT YOURSELF! If you default in the future, they may repossess the item. If you wish to keep your car or house, you need to maintain the payments current. We advise that clients do NOT reaffirm, but there is a risk that they will repossess the collateral even if you are current if you do not reaffirm. Reaffirming is your choice.

4 13. You understand that certain creditors such as McMahans, Les Schwab and jewelers have what is called a purchase money security interest in the items you bought. They can require you to sign a reaffirmation agreement if you want to keep the item purchased. You understand that if you do not reaffirm, the creditor may in the future demand and bring legal action for return of the item. 14. You do not have in your possession property which belongs to someone else. For example, a car or boat. If you have you have discussed it with your attorney and it is listed on your petition. 15. You understand that certain debts are not discharged or wiped out in chapter 7 bankruptcy. These include student loans, child support, employee withholding or 941 taxes, alimony, criminal fines, debts arising out of a drunk driving charge, traffic tickets, debts incurred fraudulently & certain other taxes. Fraudulently incurred debts can include NSF checks or instances where you make balance transfers or a large run up of a credit card or other debt shortly before bankruptcy. You understand that recent income taxes (within the last three years) cannot be discharged and that taxes owed prior to three years ago MIGHT be discharged but are subject to complex rules. If you were in a prior chapter 13 or failed to file your taxes timely, your tax debt may not be discharged in chapter 7. If you were ordered to pay a debt under a divorce decree, your former spouse can object to the discharge of that particular debt. Bankruptcy does not prevent criminal action. A governmental agency may pursue criminal action for a NSF check or any other crime involving debt which may be listed in your bankruptcy (for example: embezzlement where you steal money from an employer or other theft). 16. You understand a person can be denied a chapter 7 if his income after expenses would indicate that he could pay a significant portion of his debt. When you sign the petition you verify that the budget is accurate including your income. The US Trustees office will review your budget and if it shows that you have money to pay a portion of your debt they can object to your bankruptcy for what is called abuse. If the US Trustee objects, we will need to convert the case to a chapter 13 bankruptcy and pay back a portion of the debts. 17. You understand that an unsecured creditor could object to your discharge if you have incurred a large debt prior to filing bankruptcy. For example a $2500 credit card charge three months before filing bankruptcy. You have discussed recent significant debts with your attorney. THERE ARE ADDITIONAL ATTORNEY FEES FOR DEFENDING THIS TYPE OF SUIT. 18. Our office explained in writing or through the attorney your option to file chapter 13 which is a debt repayment plan through which you pay your creditors back all or in part. You understand that a chapter 13 will stop a foreclosure and allow you to pay taxes and otherwise resolve problems not resolved through chapter 7. In some circumstances you can file a chapter 13 after a chapter 7 has been filed.

5 19. If you are buying a home, mobile home or land it must be listed on the petition. You agree with the value placed on the property and understand that if the equity is close to the exemption limit the trustee may have a realtor look at your property to verify that the value listed is accurate. You understand that for it to be exempt it must be your residence. THIS MEANS YOU MUST LIVE IN THE HOME. If you are not living in the home you must discuss this with the attorney and obtain his initials on this paragraph before proceeding. The exemption or equity you are allowed in a home on real property is $39,600 if you are married and $30,000 if you are single. The exemptions for mobile homes are lower and you should discuss this with your attorney. If the value of your home exceeds the exemption after costs of sale, the trustee may list the home for sale. If you want to keep the home, you must keep the payments current. A chapter 7 will only temporarily stop a pending foreclosure for missed payments. 20. You understand that the trustee will inquire about the property you have that is secured to determine if the security interest is valid. For example a simple agreement between you and a friend or relative that you will pay them for a car is NOT a valid security agreement. If the security agreement is not valid, the trustee can take the item. Occasionally, even a financial institution may not properly secure an item. Simply put, if your car lender messed up on the documents, the trustee might take your car even if you have never had a default or even if the car is not worth much. 21. If you are buying land or real property and a creditor has a judgment against you that judgment lien will remain on your property. The debt will be extinguished but the lien remains after the bankruptcy for up to 10 years. The problem arises when you go to refinance or sell the home and the lien is still on the property. DO NOT PAY IT! That lien normally can be removed however it requires a separate action. WE ARE HAPPY TO HELP YOU REMOVE THE LIEN, BUT THERE ARE ADDITIONAL ATTORNEY FEES FOR THIS SERVICE. If you want to remove a judgment lien while the bankruptcy is open, you must provide us with a copy of the title report within 30 days of the First Meeting of Creditors and a letter requesting the lien be removed. Unless there are unusual circumstances, our fees are $ for this purpose. Please Initial Please Initial 22. You acknowledge that all your bank accounts are listed on the petition. 23. You understand that we have no control over when the Bankruptcy Hearing or 341a hearing is set. You understand that we have not guaranteed when a First Meeting would be set or that it would be set for a certain date or time. You must attend at the time the court sets. 24. The trustee is the person assigned by the court to examine your case and ask you questions. He conducts the hearing called a First Meeting of Creditors. The trustee may send you a letter requesting you to bring certain information. You understand that if you fail to bring all the requested information he may postpone your hearing and require you to attend another day. Except for basic information such as clarifying an address or social security number you should NOT communicate directly with the trustee except through our office unless we tell you otherwise. The trustee represents the interest of your unsecured creditors. You must cooperate with the trustee and furnish the documents he requests. You may

6 not sell an asset in any case without the trustee s okay. This means if you have a home you cannot sell the home while the bankruptcy is pending until the trustee has abandoned his interest in the home even if all the proceeds from the sale of the home would be exempt. 25. If you have a secured debt with a Credit Union, a car loan for example, the Credit Union will often claim that the unsecured debt cross collateralizes the secured debt. In other words the unsecured debt, a Credit Card for example, is also secured against the car loan. Therefore when you pay the car off the Credit Union may state that you have to pay the credit card debt as well to get the title. If you have a Credit Union bank account, you can expect that they may likely terminate your banking privileges. 26. YOU HAVE REVIEWED QUESTION 10 OF THE STATEMENT OF FINANCIAL AFFAIRS (this is near the end of the petition) AND YOU HAVE FULLY DISCLOSED ANY AND ALL TRANSFERS WITH COMPLETE NAMES, ADDRESSES, DATES, WHAT EXACTLY WAS TRANSFERRED (with detail) OR SOLD AND THE VALUE RECEIVED. YOU UNDERSTAND THAT PARTIAL INFORMATION IS NOT ACCEPTABLE AND THE ATTORNEY INITIALS WITH YOU THAT THIS HAS BEEN REVIEWED. 27. You are allowed to redeem secured property in chapter 7. For example if you have a car that you owe $2500 on and it is only worth $500 we can file a Motion to Redeem where we offer to pay $500. If they do not object then you can pay $500 and get title. This is not covered under the bankruptcy fee and there will be an extra charge for our representation to Redeem collateral. 28. If a creditor takes action against you after the bankruptcy is filed we may have a case under state or federal unfair debt collection acts or perhaps in the bankruptcy court against that creditor. If you discover that a creditor makes an inquiry in your credit report after the bankruptcy is filed that would be a violation. Discuss any abusive creditor tactics that have occurred prior to this time with your attorney. If you suspect that you may have been the victim of abusive collection attempts, you probably have. We represent many clients in cases against creditors for violations of the unfair debt collection act and we are able to recover money for our clients in many instances. Please Initial Please Initial 29. You understand that our services do not include correction of erroneous credit reporting entries after a bankruptcy is discharged. We frequently represent former bankruptcy clients for this purpose with our fees being paid from the creditor or reporting agency which has entered the incorrect information. We will pull a credit report for free and analyze it for you a few months after the bankruptcy discharge if you wish. If you would like our help. you must call us at that time. Please Initial Please Initial

7 30. Chapter 7 does not prevent a creditor from collecting against a co-debtor or cosigner if the loan is in default. If you have a cosigner that you wish to protect you need to discuss this with the attorney. We do not and cannot represent any co-debtor you may have in regards to this debt. If you maintain current payments on a cosigned debt, it should not affect the cosigners credit, however we cannot guarantee that a creditor will not improperly put a negative entry on a co-debtors credit report. 31. You understand that filing this bankruptcy is voluntary. You understand that we can wait to file to resolve issues that may exist in your case. You also understand that when the chapter 7 bankruptcy is filed it cannot normally be dismissed and therefore problems need to be resolved prior to the case being filed. By signing the petition you acknowledge you wish to proceed with the chapter 7. You sign the petition and schedules under penalties of perjury or under an oath that they are true and accurate. Therefore, it is important that when you sign the petition you understand that the information contained therein needs to be accurate. You also understand that we can change the information on the petition and schedules before you sign them to reflect accurate information. You have received a copy of the fee agreement & agree to its terms. _ 32. You understand that if you do not complete a Personal Financial Management course and provide a certificate of completion to our office within 60 days of the case being filed, your case will be closed and you will not receive a discharge of your debts. There will be additional fees to attempt to reopen the case and obtain the discharge. Please Initial Please Initial DATE, Clients Signature Clients Signature see revers side please

8 HOW DID YOU FIND OUT ABOUT OUR OFFICE? 1. Were you a former Personal Injury client (did we represent you in an automobile accident case)? Yes No 2. Were you referred to our office by a friend or relative? Yes No 3. Did you find us in the yellow pages? Yes No If yes, please circle which phone book you believe you located us: Qwest/Dex Regional Directory 4. If you had a pending foreclosure, did you receive a mailer from our office discussing the options of filing chapter 13 and did that lead you to contact our office? Yes No

Chapter 12 is a reorganization for family farmers and fishing families, which is similar to Chapter 13.

Chapter 12 is a reorganization for family farmers and fishing families, which is similar to Chapter 13. GENERAL INFORMATION ABOUT THE BANKRUPTCY SYSTEM INCLUDING THE RIGHTS AND DUTIES OF CHAPTER 13 DEBTORS (and other information necessary to assist a debtor in completion of the chapter 13 plan) WHAT IS BANKRUPTCY?

More information

CHARLES (CHUCK) JOHNSON ATTORNEY AT LAW

CHARLES (CHUCK) JOHNSON ATTORNEY AT LAW CHARLES (CHUCK) JOHNSON ATTORNEY AT LAW CHERI KNIGHT SHELLY MUSTAIN 985 KK DRIVE, SUITE 104 PO BOX 1030, OSAGE BEACH, MO 65065 PHONE: 573-348-0503 TOLL FREE: 866-342-6063 FAX: 573-348-0537 E-MAIL: office@charlesjohnsonlaw.com

More information

COMMON QUESTIONS ABOUT BANKRUPTCY

COMMON QUESTIONS ABOUT BANKRUPTCY SCUDDER G. STEVENS, P.A. ATTORNEYS AT LAW A PROFESSIONAL ASSOCIATION 120 North Union Street P.O. Box 1156 Kennett Square, PA 19348 (610) 444-9840 (800) 294-4242 FAX (610) 444-9841 COMMON QUESTIONS ABOUT

More information

CASE NO. I (We) hereby certify under penalty of perjury with regard to all secured consumer debts.

CASE NO. I (We) hereby certify under penalty of perjury with regard to all secured consumer debts. IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF ARIZONA In re: CHAPTER 7 Debtor(s) CASE NO. STATEMENT REGARDING SECURED CONSUMER DEBTS I (We) hereby certify under penalty of perjury with regard

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS FREQUENTLY ASKED QUESTIONS Q: What is bankruptcy? A: Bankruptcy allows individuals or businesses (debtors) who owe others (creditors) more money than they're able to pay to either work out a plan to repay

More information

Frequently Asked Questions. for. Chapter 7 Debtors

Frequently Asked Questions. for. Chapter 7 Debtors Frequently Asked Questions for Chapter 7 Debtors The information contained in this document is provided as a service to our clients, and does not constitute legal advice. We try to provide quality information,

More information

BANKRUPTCY THE BASICS

BANKRUPTCY THE BASICS Law Offices of Nakita R. Blocton A Limited Liability Company 950 22 nd Street North, Suite 715, Birmingham, Alabama 35203 - Post Office Box 2783, Birmingham, Alabama 35202 Telephone: (205) 251-8747 Fax:

More information

A GUIDE TO FILING FOR BANKRUPTCY PROTECTION UNDER CHAPTER 7 OF THE BANKRUPTCY CODE

A GUIDE TO FILING FOR BANKRUPTCY PROTECTION UNDER CHAPTER 7 OF THE BANKRUPTCY CODE A GUIDE TO FILING FOR BANKRUPTCY PROTECTION UNDER CHAPTER 7 OF THE BANKRUPTCY CODE Michael R. Totaro Totaro & Shanahan P.O. Box 789 Pacific Palisades, CA 90272 310 573 0276 (v) 310 496 1260 (f) Mtotaro@aol.com

More information

Williams Bankruptcy A Debt Relief Agency helping people eliminate debt and obtain relief under Chapter 7 of the Bankruptcy Code

Williams Bankruptcy A Debt Relief Agency helping people eliminate debt and obtain relief under Chapter 7 of the Bankruptcy Code A Publication of the Law Office of Richard L. Williams Williams Bankruptcy A Debt Relief Agency helping people eliminate debt and obtain relief under Chapter 7 of the Bankruptcy Code Tips for Questionnaire

More information

Bankruptcy Q&A. When filing a bankruptcy there are several different chapters under which you can file:

Bankruptcy Q&A. When filing a bankruptcy there are several different chapters under which you can file: Bankruptcy Q&A Chapter 7: What types of bankruptcy are available? When filing a bankruptcy there are several different chapters under which you can file: This is the most basic bankruptcy and is available

More information

Bankruptcy: Is It the Right Choice for You?

Bankruptcy: Is It the Right Choice for You? Bankruptcy: Is It the Right Choice for You? Find more easy-to-read legal information at www.ptla.org Introduction This is to help you to understand some basics about the bankruptcy laws and rules. This

More information

BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS

BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS 1 You should file for bankruptcy only after carefully deciding that bankruptcy is the best way to deal with your financial problems. This pamphlet

More information

I. The Most Common Questions Asked About Bankruptcy

I. The Most Common Questions Asked About Bankruptcy I. The Most Common Questions Asked About Bankruptcy Filing Bankruptcy (Who, What, When, Where, Why and How) 1. What exactly is straight bankruptcy? Straight (or ordinary bankruptcy is a proceeding under

More information

CREDIT COUNSELING REQUIREMENT

CREDIT COUNSELING REQUIREMENT CREDIT COUNSELING REQUIREMENT In order to file bankruptcy, an individual must receive from an approved nonprofit budget and credit counseling agency... an individual or group briefing... that outlines

More information

Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing fee, $39 administrative fee: Total fee $274)

Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing fee, $39 administrative fee: Total fee $274) B 201A (Form 201A) (12/09) WARNING: Effective December 1, 2009, the 15-day deadline to file schedules and certain other documents under Bankruptcy Rule 1007(c) is shortened to 14 days. For further information,

More information

DEBTOR EDUCATION CERTIFICATES: These must be filed with the Bankruptcy Court. Do NOT send a copy to me.

DEBTOR EDUCATION CERTIFICATES: These must be filed with the Bankruptcy Court. Do NOT send a copy to me. DINA L. ANDERSON, CHAPTER 7 TRUSTEE MAILING ADDRESS: 21001 N. Tatum Blvd., #1630-608, Phoenix, AZ 85050 EMAIL: general@dlatrustee.com* PHONE: 480-304-8312* Case No. I have been appointed as the Trustee

More information

Bankruptcy Law Firm Ursula Jones, Attorney

Bankruptcy Law Firm Ursula Jones, Attorney ATTORNEY-CLIENT BANKRUPTCY RETAINER AGREEMENT The Client(s) hereby enter into this Attorney-Client Retainer Agreement with Ursula Jones ( Attorney ). 1. TOTAL FEES AND COSTS (a) Fixed Fee: A fixed fee

More information

Tax returns or a driver s license are not acceptable proof of your social security number.

Tax returns or a driver s license are not acceptable proof of your social security number. la version en español de la carta está disponible en Documents en aztrustee.com It is critical to the success of your case that you do each of the following: Attend Notice of Chapter 7 Bankruptcy Case

More information

BANKRUPTCY WHAT IS BANKRUPTCY?

BANKRUPTCY WHAT IS BANKRUPTCY? BANKRUPTCY Most military personnel and their families handle their financial affairs in a responsible and timely manner. Those who have problems usually seek timely assistance from financial counselors.

More information

CONSUMER BANKRUPTCY. Q: What is bankruptcy? Q: How does someone know whether to file a Chapter 7 or 13? Q: How is an action filed in bankruptcy court?

CONSUMER BANKRUPTCY. Q: What is bankruptcy? Q: How does someone know whether to file a Chapter 7 or 13? Q: How is an action filed in bankruptcy court? CONSUMER BANKRUPTCY R. Michael Drose * Thomas M. Fryar * Ann U. Bell * Certified Bankruptcy Specialist Q: What is bankruptcy? A: Bankruptcy laws are federal laws and are the same in every state, although

More information

STANLEY J. KARTCHNER, CHAPTER 7 TRUSTEE

STANLEY J. KARTCHNER, CHAPTER 7 TRUSTEE STANLEY J. KARTCHNER, CHAPTER 7 TRUSTEE EMAIL: trustee@aztrustee.com 7090 N ORACLE ROAD #178-204, TUCSON, AZ 85704 TEL (520) 742-1210 ONLINE: aztrustee.com (Date) To: (Name(s)) la version en español de

More information

MANDATORY BANKRUPTCY DISCLOSURE

MANDATORY BANKRUPTCY DISCLOSURE 2418 Main St. Vancouver, WA 98660 www.mcaleerlaw.net Telephone: (360) 334-6277 Facsimile: (360) 356-1920 MANDATORY BANKRUPTCY DISCLOSURE IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM

More information

Bankruptcy FAQ. What Can Bankruptcy Do for Me? What Is Bankruptcy? What Bankruptcy Can Not Do. Bankruptcy may make it possible for you to:

Bankruptcy FAQ. What Can Bankruptcy Do for Me? What Is Bankruptcy? What Bankruptcy Can Not Do. Bankruptcy may make it possible for you to: What Can Bankruptcy Do for Me? Bankruptcy may make it possible for you to: Eliminate the legal obligation to pay most or all of your debts. This is called a discharge of debts. It is designed to give you

More information

Bankruptcy may make it possible for you to:

Bankruptcy may make it possible for you to: A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy

More information

DEBT RELIEF AGENCY CONTRACT

DEBT RELIEF AGENCY CONTRACT DEBT RELIEF AGENCY CONTRACT Federal law requires that we enter into this Debt Relief Agency Contract within three business days after the first date on which we provide any bankruptcy assistance services.

More information

Instructions Bankruptcy Forms for Individuals

Instructions Bankruptcy Forms for Individuals Instructions Bankruptcy Forms for Individuals U.S. Bankruptcy Court December 2015 (Rev. April 2016) About this Booklet of Instructions... 1 About the bankruptcy forms and filing bankruptcy... 2 Understand

More information

QUESTIONS CONCERNING BANKRUPTCY

QUESTIONS CONCERNING BANKRUPTCY QUESTIONS CONCERNING BANKRUPTCY The Law Office of Paul D. Post, P.A. is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The assistance provided to clients may

More information

WHAT BANKRUPTCY CAN T DO

WHAT BANKRUPTCY CAN T DO A decision to file for bankruptcy should only be made after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy

More information

LAUREN ROSS Attorney at Law 2550 N. Hollywood Way Suite 404 Burbank, CA 91505-5046 Tel.(818) 847-0211 Facsimile (818) 847-0214

LAUREN ROSS Attorney at Law 2550 N. Hollywood Way Suite 404 Burbank, CA 91505-5046 Tel.(818) 847-0211 Facsimile (818) 847-0214 LAUREN ROSS Attorney at Law 2550 N. Hollywood Way Suite 404 Burbank, CA 91505-5046 Tel.(818) 847-0211 Facsimile (818) 847-0214 INITIAL CONSULTATION AGREEMENT AND REQUIRED NOTICES Please Note: These documents

More information

A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems.

A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This booklet cannot explain every aspect of the bankruptcy

More information

Individual Bankruptcy A Client's Guide to the Language and Procedure

Individual Bankruptcy A Client's Guide to the Language and Procedure Individual Bankruptcy A Client's Guide to the Language and Procedure BAKKE NORMAN L A W O F F I C E S Welcome Thank you for considering Bakke Norman, S.C. to represent your interests. This booklet will

More information

CHRISTMAN & FASCETTA, LLC FLAT FEE AGREEMENT AND HOURLY FEE PROVISIONS

CHRISTMAN & FASCETTA, LLC FLAT FEE AGREEMENT AND HOURLY FEE PROVISIONS CHRISTMAN & FASCETTA, LLC FLAT FEE AGREEMENT AND HOURLY FEE PROVISIONS, (hereinafter referred to as client or you ), hereby engages the Law Offices of Christman & Fascetta, LLC to prepare and file a Chapter

More information

BANKRUPTCY INFORMATION SHEET

BANKRUPTCY INFORMATION SHEET BANKRUPTCY INFORMATION SHEET BANKRUPTCY LAW IS A FEDERAL LAW. THIS SHEET GIVES YOU SOME GENERAL INFORMATION ABOUT WHAT HAPPENS IN A BANKRUPTCY CASE. THE INFORMATIONHERE IS NOT COMPLETE. YOU MAY NEED LEGAL

More information

UNITED STATES BANKRUPTCY COURT WESTERN DISTRICT OF MICHIGAN. NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE

UNITED STATES BANKRUPTCY COURT WESTERN DISTRICT OF MICHIGAN. NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE B 201A (Form 201A) (11/11) UNITED STATES BANKRUPTCY COURT WESTERN DISTRICT OF MICHIGAN NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE In accordance with 342(b) of the Bankruptcy Code,

More information

NYC Bankruptcy Assistance Project

NYC Bankruptcy Assistance Project NYC Bankruptcy Assistance Project A Project of Legal Services for New York City Answers to Common Bankruptcy Questions A decision to file for bankruptcy should be made only after determining that bankruptcy

More information

UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA. NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE

UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA. NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE B 201 (12/08) UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE In accordance with 342(b) of the Bankruptcy Code, this notice to individuals

More information

There are two options under the bankruptcy laws: a liquidation or a repayment plan.

There are two options under the bankruptcy laws: a liquidation or a repayment plan. When You Can't Pay Your Debts INTRODUCTION Financial difficulties can arise for many reasons, such as loss of a job, death of a breadwinner or too many credit card purchases. Money problems can be emotionally

More information

BANKRUPTCY. What is the difference between a Chapter 7 and a Chapter 13 bankruptcy?

BANKRUPTCY. What is the difference between a Chapter 7 and a Chapter 13 bankruptcy? BANKRUPTCY Bankruptcy means you ask the court to excuse you from your duty to repay your creditors. A person or business you owe money to is called a creditor. Bankruptcy allows you to discharge (get rid

More information

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE THIS BOOKLET CONTAINS ANSWERS TO MOST OF THE QUESTIONS YOU WILL HAVE WHILE UNDER CHAPTER 13. READ IT COMPLETELY WHEN YOU BEGIN YOUR CASE AND REFER TO IT

More information

Lindy Madill, Esq. CHAPTER 7 BANKRUPTCY RETAINER AGREEMENT

Lindy Madill, Esq. CHAPTER 7 BANKRUPTCY RETAINER AGREEMENT Lindy Madill, Esq. CHAPTER 7 BANKRUPTCY RETAINER AGREEMENT The undersigned client ( Client ) hereby employs Lindy Madill, Esq. ( Attorney ) whose principal office is located at 4530 Lamplighter Lane, Manlius,

More information

Bankruptcy Guide for Beginners

Bankruptcy Guide for Beginners Bankruptcy Guide for Beginners Answers to 20 common bankruptcy questions We hope you find this guide useful and informative. We look forward to helping you eliminate debt and get a fresh financial start.

More information

UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA NOTICE OF RESPONSIBILITIES OF CHAPTER 7 DEBTORS AND THEIR ATTORNEYS

UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA NOTICE OF RESPONSIBILITIES OF CHAPTER 7 DEBTORS AND THEIR ATTORNEYS UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA In re: Case No. Debtors. NOTICE OF RESPONSIBILITIES OF CHAPTER 7 DEBTORS AND THEIR ATTORNEYS This Notice lists certain responsibilities of debtors and

More information

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE PUT YOUR CASE NUMBER ON ALL PAYMENTS AND CORRESPONDENCE SENT TO THE CHAPTER 13 TRUSTEE OR THE COURT.

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE PUT YOUR CASE NUMBER ON ALL PAYMENTS AND CORRESPONDENCE SENT TO THE CHAPTER 13 TRUSTEE OR THE COURT. YOUR CASE NUMBER: WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE Brief answers to most questions that come up while under a Chapter 13 Plan. Read this pamphlet completely to understand your obligations

More information

BANKRUPTCY. Information Provided by Financial Credit Network October, 2011

BANKRUPTCY. Information Provided by Financial Credit Network October, 2011 BANKRUPTCY Information Provided by Financial Credit Network October, 2011 Disclaimer: The information provided by Financial Credit Network is not to be construed as legal advice. Although we go to great

More information

Chapter 7 Liquidation Under the Bankruptcy Code

Chapter 7 Liquidation Under the Bankruptcy Code From Administrative Office of the United States Courts, Bankruptcy Basics, Public Information Series. Chapter 7 Liquidation Under the Bankruptcy Code The chapter of the Bankruptcy Code providing for "liquidation,"

More information

UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ALABAMA SOUTHERN DIVISION

UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ALABAMA SOUTHERN DIVISION UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ALABAMA SOUTHERN DIVISION NOTICE TO INDIVIDUAL CONSUMER DEBTOR UNDER 342(b) OF THE BANKRUPTCY CODE In accordance with 342(b) of the Bankruptcy Code,

More information

Bankruptcy Questions. FAQ > Bankruptcy Questions WHAT IS CHAPTER 7 BANKRUPTCY?

Bankruptcy Questions. FAQ > Bankruptcy Questions WHAT IS CHAPTER 7 BANKRUPTCY? FAQ > Bankruptcy Questions Bankruptcy Questions WHAT IS CHAPTER 7 BANKRUPTCY? Chapter 7 bankruptcy is sometimes called a straight bankruptcy or a liquidation proceeding. The number one goal in an individual

More information

IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY OR BANKRUPTCY PETITION PREPARER.

IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY OR BANKRUPTCY PETITION PREPARER. IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY OR BANKRUPTCY PETITION PREPARER. If you decide to seek bankruptcy relief, you can represent yourself, you can hire an attorney

More information

ADJUSTMENT OF DEBTS UNDER CHAPTER 13 QUESTIONS AND ANSWERS ABOUT CHAPTER 13 CASES

ADJUSTMENT OF DEBTS UNDER CHAPTER 13 QUESTIONS AND ANSWERS ABOUT CHAPTER 13 CASES ADJUSTMENT OF DEBTS UNDER CHAPTER 13 QUESTIONS AND ANSWERS ABOUT CHAPTER 13 CASES 1. What is a chapter 13 bankruptcy case and how does it work? A chapter 13 bankruptcy case is a proceeding under federal

More information

K.2 Answers to Common Bankruptcy Questions

K.2 Answers to Common Bankruptcy Questions Adapted from Consumer Bankruptcy Law and Practice, 10 th Edition, National Consumer Law Center, copyright 2012. Used by permission. K.2 Answers to Common Bankruptcy Questions A decision to file for bankruptcy

More information

Debtor s Full Legal Name: Spouse s Full Legal Name: Other Names Ever Used: Email: Tel#: Cell#: Emergency Contact (name & number):

Debtor s Full Legal Name: Spouse s Full Legal Name: Other Names Ever Used: Email: Tel#: Cell#: Emergency Contact (name & number): Law Office of Jeffrey B. Kelly, P.C. Chapter 7 Chapter 13 Bankruptcy Questionnaire DEBTOR INFO: How did you first hear about my office? Office Location Debtor s Full Legal Name: SS# DOB: Spouse s Full

More information

BANKRUPTCY CHAPTER 13 (aka ABill Consolidation@ or AReorganization@)

BANKRUPTCY CHAPTER 13 (aka ABill Consolidation@ or AReorganization@) BANKRUPTCY CHAPTER 13 (aka ABill Consolidation@ or AReorganization@) ANSWERS TO THE MOST COMMONLY ASKED QUESTIONS Compliments of: Sam C. Gregory, PLLC 2742 82 nd Street Lubbock, Texas 79423 (806) 687-4357

More information

1. GENERAL PROVISIONS 1.1 UNDERSTANDING ALL MY RIGHTS AND DUTIES

1. GENERAL PROVISIONS 1.1 UNDERSTANDING ALL MY RIGHTS AND DUTIES Chapter 7 Rights and Duties Please read and initial each paragraph. If you are married and filing a joint bankruptcy, both spouses must read and initial each. 1. GENERAL PROVISIONS 1.1 UNDERSTANDING ALL

More information

Notice Required by 11 U.S.C. 342(b) and 527(a)

Notice Required by 11 U.S.C. 342(b) and 527(a) 1 P a g e Notice Required by 11 U.S.C. 342(b) and 527(a) In accordance with section 342(b) of the Bankruptcy Code, this notice: (1) Describes briefly the services available from credit counseling services;

More information

The Goodman Law Firm, P.A. 1 Dana Street, 4th Floor P.O. Box 7523 Portland, ME 04101

The Goodman Law Firm, P.A. 1 Dana Street, 4th Floor P.O. Box 7523 Portland, ME 04101 The Goodman Law Firm, P.A. 1 Dana Street, 4th Floor P.O. Box 7523 Portland, ME 04101 Fax: (207) 772-2778 www.goodmanlawfirm.com Tel: (207) 775-4335 joseph@goodmanlawfirm.com What Is Bankruptcy? ANSWERS

More information

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 BANKRUPTCY. Your Trustee is: Locke D. Barkley 601-355-6661. www.barkley13.com. Your Case Number is:

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 BANKRUPTCY. Your Trustee is: Locke D. Barkley 601-355-6661. www.barkley13.com. Your Case Number is: WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 BANKRUPTCY This booklet contains some basic, general information about your Chapter 13 bankruptcy. Read this pamphlet completely to understand your obligations

More information

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 (Revised January, 2002) This booklet was prepared to help you understand how your Chapter 13 case works and answer most questions that arise during your Chapter

More information

Everything You Need to Know About Bankruptcy

Everything You Need to Know About Bankruptcy Everything You Need to Know About Bankruptcy Raymond J. Sallum Bloomfield, Michigan http://bloomfieldlawgroup.com/chapter-7-bankruptcy B l o o m f i e l d L a w G r o u p R a y m o n d J. S a l l u m (

More information

ANSWERS TO COMMON BANKRUPTCY QUESTIONS

ANSWERS TO COMMON BANKRUPTCY QUESTIONS Wayne Howell, PLLC ANSWERS TO COMMON BANKRUPTCY QUESTIONS A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This

More information

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE THIS BOOKLET CONTAINS ANSWERS TO MOST OF THE QUESTIONS YOU WILL HAVE WHILE UNDER CHAPTER 13. READ IT COMPLETELY WHEN YOU BEGIN YOUR CASE AND REFER TO IT

More information

QUESTIONS AND ANSWERS ABOUT CHAPTER 13 BANKRUPTCIES 1

QUESTIONS AND ANSWERS ABOUT CHAPTER 13 BANKRUPTCIES 1 QUESTIONS AND ANSWERS ABOUT CHAPTER 7 BANKRUPTCIES What is a Chapter 7 bankruptcy and how does it work? A Chapter 7 bankruptcy case is a proceeding under federal law in which the Debtor seeks relief under

More information

UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA NOTICE OF RESPONSIBILITIES OF CHAPTER 13 DEBTORS AND THEIR ATTORNEYS

UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA NOTICE OF RESPONSIBILITIES OF CHAPTER 13 DEBTORS AND THEIR ATTORNEYS UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA In re: Case No. Debtors. NOTICE OF RESPONSIBILITIES OF CHAPTER 13 DEBTORS AND THEIR ATTORNEYS This Notice lists certain responsibilities of debtors

More information

Filing Bankruptcy: General Information. Debts

Filing Bankruptcy: General Information. Debts Filing Bankruptcy: General Information The Big Picture The Big Picture when it comes to Bankruptcy is this: the person or entity that owes money and needs relief from creditors (the debtor ) is making

More information

BANKRUPTCY QUESTIONNAIRE and DOCUMENT REQUEST. Documents due to your Trustee no later than TEN days prior to your Meeting of Creditors.

BANKRUPTCY QUESTIONNAIRE and DOCUMENT REQUEST. Documents due to your Trustee no later than TEN days prior to your Meeting of Creditors. TO: ALL DEBTOR(S) FROM: BANKRUPTCY TRUSTEE and/or UNITED STATES TRUSTEE RE: BANKRUPTCY QUESTIONNAIRE and DOCUMENT REQUEST Documents due to your Trustee no later than TEN days prior to your Meeting of Creditors.

More information

CONSULTATION AGREEEMENT and ACKNOWLEDGEMENT OF RECEIPT OF DICLOSURES AND INSTRUCTIONS

CONSULTATION AGREEEMENT and ACKNOWLEDGEMENT OF RECEIPT OF DICLOSURES AND INSTRUCTIONS CONSULTATION AGREEEMENT and ACKNOWLEDGEMENT OF RECEIPT OF DICLOSURES AND INSTRUCTIONS This agreement is entered on this day between the undersigned (hereinafter referred to as "Client") and ADRIAN M. LAPAS,

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS FREQUENTLY ASKED QUESTIONS 1. What are my options? In general terms, most people either file a Chapter 7 or a Chapter 13. A Chapter 7 is a straight bankruptcy where you wipe out your bills and a Chapter

More information

SEND ALL PAYMENTS TO: Chapter 13 Trustee 191 Peachtree Street, N.E. Suite 2200 Atlanta, GA 30303

SEND ALL PAYMENTS TO: Chapter 13 Trustee 191 Peachtree Street, N.E. Suite 2200 Atlanta, GA 30303 PUT YOUR CHAPTER 13 CASE NUMBER ON ALL PAYMENTS AND CORRESPONDENCE SENT TO YOUR TRUSTEE SEND ALL PAYMENTS TO: Chapter 13 Trustee 191 Peachtree Street, N.E. Suite 2200 Atlanta, GA 30303 This booklet was

More information

LIQUIDATION UNDER CHAPTER 7

LIQUIDATION UNDER CHAPTER 7 LIQUIDATION UNDER CHAPTER 7 1. WHAT IS CHAPTER 7 AND HOW DOES IT WORK? Chapter 7 is that part (or chapter) of the Bankruptcy Code that deals with liquidation. The Bankruptcy Code is that part of the federal

More information

SAMPLE BANKRUPTCY DISCHARGE FORM Page 1 of 2

SAMPLE BANKRUPTCY DISCHARGE FORM Page 1 of 2 One Division Avenue Room 200 Grand Rapids, MI 49503-3132 Phone : (616) 456-2693 http://www.miwb.uscourts.gov/ WHAT IS CHAPTER 7 BANKRUPTCY? Chapter 7 bankruptcy, sometimes call a straight bankruptcy is

More information

527(a)(2) Disclosure

527(a)(2) Disclosure 342(b) Disclosure UNITED STATES BANKRUPTCY COURT - District of Utah In accordance with 342(b) of the Bankruptcy Code, this notice: (1) Describes briefly the services available from credit counseling services;

More information

NOTICE NO. 1 Notice Mandated by Section 342(b)(1) and 527(a)(1) Of The Bankruptcy Code:

NOTICE NO. 1 Notice Mandated by Section 342(b)(1) and 527(a)(1) Of The Bankruptcy Code: Mandatory Bankruptcy Disclosures The following mandatory disclosures are required under Section 527 and 342 of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005. NOTICE NO. 1

More information

BANKRUPTCY BASICS AGENDA

BANKRUPTCY BASICS AGENDA BANKRUPTCY BASICS Shana Khader, Esq. General Legal Services Unit New York Legal Assistance Group (NYLAG) June 2, 2014 1:00 2:30 p.m. CLE: 1.5 Professional Practice (Transitional and Nontransitional) AGENDA

More information

Bankruptcy/Debt Collection

Bankruptcy/Debt Collection Bankruptcy/Debt Collection [ADVOCATE: Give caller advice per script. Check case acceptance list and refer to appropriate offfice for more services.] I. Explain Judgment Proof Judgment proof means you have

More information

Disclosures. General Disclosures

Disclosures. General Disclosures Disclosures Your case cannot be prepared or filed until you have read and signed all the appropriate disclosures. Please bring these signed disclosures when you review your bankruptcy papers with the attorney.

More information

Why File Bankruptcy?

Why File Bankruptcy? Why File Bankruptcy? You are trying to keep debts current, but are borrowing from one card to pay the other. You are trying to keep debts current by using your savings. You are trying to keep debts current

More information

NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE

NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE In accordance with 342(b) of the Bankruptcy Code, this notice to individuals with primarily consumer debts: (1) Describes briefly the services

More information

TIDEWATER LAW GROUP. Client Intake. Full Name: Street Address: City: State: Zip: Mailing Address: Home Phone: Work Phone: Cell Phone: Email address:

TIDEWATER LAW GROUP. Client Intake. Full Name: Street Address: City: State: Zip: Mailing Address: Home Phone: Work Phone: Cell Phone: Email address: TIDEWATER LAW GROUP ATTORNEYS AND COUNSELORS AT LAW 468 Investors Place, Suite 202 VIRGINIA BEACH, VA 23452 (757) 490-3808 Telephone (757) 490-3895 Facsimile Seth A. Schoenfeld, Esquire John W. Tripp,

More information

TWIN CITY ATTORNEYS FACTS ABOUT BANKRUPTCY CHAPTER 7 OR CHAPTER 13?

TWIN CITY ATTORNEYS FACTS ABOUT BANKRUPTCY CHAPTER 7 OR CHAPTER 13? TWIN CITY ATTORNEYS FACTS ABOUT BANKRUPTCY CHAPTER 7 OR CHAPTER 13? There are a number of Chapters in the Bankruptcy Code designed to protect different types of debtors. The overwhelming number of debtors

More information

Bankruptcy. published by AAA Fair Credit Foundation

Bankruptcy. published by AAA Fair Credit Foundation Bankruptcy published by AAA Fair Credit Foundation Bankruptcy 1. What is Bankruptcy?..............................................................3 2. Chapters of Bankruptcy...........................................................4

More information

Initial Consultation Agreement and Acknowledgment of Receipt of Disclosures

Initial Consultation Agreement and Acknowledgment of Receipt of Disclosures Initial Consultation Agreement and Acknowledgment of Receipt of Disclosures This agreement is entered into by and between the undersigned and David Gaffney, Attorney At Law, doing business as Gaffney Law

More information

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE Brief answers to most questions that come up while under a Chapter 13 Plan. Read this pamphlet completely to understand your obligations and responsibilities

More information

CURRENT MONTHLY INCOME

CURRENT MONTHLY INCOME Client Questionnaire Section 1 - Basic Information Part A. Name and Address Name: Have you used any other names in the past eight years? No Yes If yes, please list other names used: Telephone Numbers\Email

More information

YOUR LEGAL RIGHTS DURING

YOUR LEGAL RIGHTS DURING YOUR LEGAL RIGHTS DURING AND AFTER BANKRUPTCY: MAKING THE MOST OF YOUR BANKRUPTCY DISCHARGE Copyright April 2011, Legal Aid Society of Hawai`i All rights reserved. These materials may not be reproduced

More information

SPECIAL ANNOTATED VERSION UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA

SPECIAL ANNOTATED VERSION UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA SPECIAL ANNOTATED VERSION UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA RIGHTS AND RESPONSIBILITIES STATEMENT BETWEEN CHAPTER 13 DEBTORS AND THEIR ATTORNEYS Chapter 13 of the Bankruptcy Code

More information

Maureen Gaughan Esq. Bankruptcy Trustee PO Box 6729 Chandler, Arizona 85246-6729

Maureen Gaughan Esq. Bankruptcy Trustee PO Box 6729 Chandler, Arizona 85246-6729 Maureen Gaughan Esq. Bankruptcy Trustee PO Box 6729 Chandler, Arizona 85246-6729 Dear Chapter 7 Petitioner: I have been assigned the Trustee for your Bankruptcy case. As a representative of the Court,

More information

CLIENT INFORMATION OFFICE USE ONLY. TODAY'S DATE: Name: Any other names you may be known by: INFORMATION ABOUT YOU: SS#

CLIENT INFORMATION OFFICE USE ONLY. TODAY'S DATE: Name: Any other names you may be known by: INFORMATION ABOUT YOU: SS# CLIENT INFORMATION INFORMATION ABOUT YOU: TODAY'S DATE: Name: Any other names you may be known by: SS# Date of Birth Physical Address Mailing (if different) City State Phone #s Hm Cell Wk E-mail address

More information

NOTICE TO CLIENTS WHO CONTEMPLATE FILING BANKRUPTCY

NOTICE TO CLIENTS WHO CONTEMPLATE FILING BANKRUPTCY NOTICE TO CLIENTS WHO CONTEMPLATE FILING BANKRUPTCY The purpose of this Notice and The Statement Mandated by Section 527(b) of the Bankruptcy Code, which you have been provided as a separate document are

More information

INTAKE PACKET SACRAMENTO LAW GROUP

INTAKE PACKET SACRAMENTO LAW GROUP INTAKE PACKET SACRAMENTO LAW GROUP Contents: 1. Intake Sheet 2. Free Consultation Agreement 3. 527(a) Disclosure 4. 527(b) Disclosure 5. 342(b) Disclosure Please take a few moments to complete the intake

More information

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy Chapter 13 Bankruptcy Individual Debt Adjustment The chapter of the Bankruptcy Code providing for adjustment of debts of an individual with regular income. (Chapter 13 allows a debtor to keep property

More information

Chapter 13 - Bankruptcy Basics. Background. Advantages of Chapter 13

Chapter 13 - Bankruptcy Basics. Background. Advantages of Chapter 13 Chapter 13 - Bankruptcy Basics This chapter of the Bankruptcy Code provides for adjustment of debts of an individual with regular income. Chapter 13 allows a debtor to keep property and pay debts over

More information

NOTICE NO. 1. Notice Mandated By Section 342(b)(1) and 527(a)(1) of the Bankruptcy Code PURPOSES, BENEFITS AND COSTS OF BANKRUPTCY

NOTICE NO. 1. Notice Mandated By Section 342(b)(1) and 527(a)(1) of the Bankruptcy Code PURPOSES, BENEFITS AND COSTS OF BANKRUPTCY NOTICE NO. 1 Notice Mandated By Section 342(b)(1) and 527(a)(1) of the Bankruptcy Code PURPOSES, BENEFITS AND COSTS OF BANKRUPTCY The United States Constitution provides a method whereby individuals, burdened

More information

Representing Creditors in Consumer Bankruptcy Cases

Representing Creditors in Consumer Bankruptcy Cases 4 Representing Creditors in Consumer Bankruptcy Cases Michael P. Hogan Craig B. Rule Marcy J. Ford John P. Kapitan I. Overview 4.1 II. General Considerations A. Filing Proofs of Claim 4.2 B. The Automatic

More information

IN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI

IN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI MOW 2016-1.4 (5/22/07) IN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI IN RE: ) ) ) Case No. ) ) Debtors. ) RIGHTS AND RESPONSIBILITIES AGREEMENT BETWEEN CHAPTER 13 DEBTORS AND

More information

INITIAL CONSULTATION AGREEMENT AND ACKNOWLEDGMENT OF RECEIPT OF DISCLOSURES

INITIAL CONSULTATION AGREEMENT AND ACKNOWLEDGMENT OF RECEIPT OF DISCLOSURES 303 Williams Avenue, Park Plaza Suite 921 Huntsville, Alabama 35801 Phone:256.535.0817 Fax: 256.535.0818 Web: www.heardlaw.com INITIAL CONSULTATION AGREEMENT AND ACKNOWLEDGMENT OF RECEIPT OF DISCLOSURES

More information

INITIAL REQUIRED NOTICES FOR BANKRUPTCY CLIENTS

INITIAL REQUIRED NOTICES FOR BANKRUPTCY CLIENTS INITIAL REQUIRED NOTICES FOR BANKRUPTCY CLIENTS You are hereby requesting the opportunity to consult with and obtain information and advice from Michael Jones and the Law Office of James P. Cronn ( Law

More information

TYPES OF BANKRUPTCY There are three main types of bankruptcy cases. These are referred to by their chapter number in the Bankruptcy Code.

TYPES OF BANKRUPTCY There are three main types of bankruptcy cases. These are referred to by their chapter number in the Bankruptcy Code. SOME INFORMATION ABOUT BANKRUPTCY People who are having trouble paying their debts sometimes consider bankruptcy as a remedy for this situation. An individual, called a debtor, usually files bankruptcy

More information

WHAT YOU NEED TO KNOW ABOUT YOUR CHAPTER 13 CASE

WHAT YOU NEED TO KNOW ABOUT YOUR CHAPTER 13 CASE WHAT YOU NEED TO KNOW ABOUT YOUR CHAPTER 13 CASE CASE NUMBER: Your Attorney s Name & Contact Info: Robert C. Keller RUSSO, WHITE & KELLER, P.C. 315 Gadsden Highway, Suite D Birmingham, AL 35235 Telephone:

More information

A GUIDE TO FILING FOR REORGANIZATION UNDER CHAPTER 11 OF THE BANKRUPTCY CODE

A GUIDE TO FILING FOR REORGANIZATION UNDER CHAPTER 11 OF THE BANKRUPTCY CODE A GUIDE TO FILING FOR REORGANIZATION UNDER CHAPTER 11 OF THE BANKRUPTCY CODE Michael R. Totaro Totaro & Shanahan P.O. Box 789 Pacific Palisades, CA 90272 310 573 0276 (v) 310 496 1260 (f) Mtotaro@aol.com

More information

YOU MUST BRING THE FOLLOWING DOCUMENTS TO YOUR SECTION 341 MEETING OF CREDITORS WITH YOU:

YOU MUST BRING THE FOLLOWING DOCUMENTS TO YOUR SECTION 341 MEETING OF CREDITORS WITH YOU: Case Number Debtor Co-Debtor Attorney YOU MUST COMPLETE THIS QUESTIONNAIRE Please SUBMIT IT TO THE TRUSTEE as soon as possible, but not later than seven (7) days before your 341 First Meeting of Creditors.

More information

CLIENT RESPONSIBILITY

CLIENT RESPONSIBILITY RETAINER AGREEMENT FOR Filing a Chapter 7 Bankruptcy BETWEEN FIRM NAME: Paul E. Kauffmann, Attorney at Law ADDRESS: 233 12 th Street, Suite 725 CITY/STATE Columbus, GA 31901 TEL. NO.: 706 566 3434 AND

More information