WE ARE A FEDERALLY DESIGNATED DEBT RELIEF AGENCY PURSUANT TO TITLE 11 OF THE U.S. CODE.
WE PROVIDE LEGAL ASSISTANCE AND HELP PEOPLE FILE FOR BANKRUPTCY RELIEF UNDER THE BANKRUPTCY CODE.
Preparing to File involves getting your bankruptcy attorney certain documents and completing the first of
two required credit counseling courses. Dig out your driver's license, social security card, last 2 years' tax
returns, last 3 months' bank statements, and last 6 months' paystubs or an employer-prepared statement.
No Recent Transfers
No Recent Charges
Click the grey box above to
access a Checklist of items
necessary for you to
produce to us and for us to
review in order to prepare
your Chapter 7 Bankruptcy.
Click the grey box above
for a list of ct-approved
NOT the same thing as
NOT a college course.
Only about 1 to 1.5 hours
of your time, and must be
completed before you can
file your bankruptcy case.
Don't "get smart" and sign
the title of property over
to a friend or relative just
before filing bankruptcy.
Doing so does not leave it
out, is considered fraud.
and may result in the
person to whom it was
transferred losing the
Don't "get smart" and max
out any still-working credit
cards just before you file
for bankruptcy. Card
charges and cash
advances and loans
occurring within 90 days
before filing are presumed
to be fraud and you may
still owe those charges.
"When I tell a person they have to do credit counseling before filing bankruptcy,
the initial reaction is one of alarm or disappointment. . Honestly, the counseling
simply involves answering some questions and doing a budget, which takes an
hour of their time at a computer." - Joel K. Mitchell, Attorney-at-Law
Most of our clients have expressed that the
most difficult part of filing bankruptcy is
gathering the documents necessary for
disclosure and our preparation of the
paperwork. What we emphasize is that we
are required to disclose some of these
documents and nearly all of them are used
in the preparation of the bankruptcy
petition, schedules, and statements.
Going into it, most clients fear the credit
counseling, but then realize that it is a
breeze consisting of a session of a little
more than an hour of their time two different
times, once just before their bankruptcy
case is filed and again shortly afterward.
If you have lost your Social Security Card,
we need you to order a new one. For info
on how, click here. If you think you know
where it is, look to make sure. We must
get a copy of it before we file your case.
Don't fail to tell us about the paid-for boat in
your back yard or truck you just signed over
to Uncle Bob. The Bankruptcy Court will be
looking for last-minute shady transactions.
Such transactions may or may not affect
your bankruptcy case, but your failure to
disclose them to your attorney may very well
doom your case and result in its dismissal
and may negatively impact whomever was
involved in the transactions with you.
11 U.S.C. § 527(a)(2) demands that the
information and documentation you provide
to the Court be complete, accurate and
truthful. So answer your attorney's questions
truthfully; and, if there is something you think
he may need to know, then tell him.
Click here to download an attachment which
includes the above-mentioned statute as well
as a Bankruptcy Information Sheet.
What Some of Our Clients Have Said
About Preparing for Bankruptcy
I wonder if this is what it
feels like to get audited.
[Actually, it is is different
because it involves more
issues, assets & liabilities]
I don't think I should
have to tell you what my
spouse makes since
they're not filing.
[You do. So do, honestly]
That credit counseling
was no big deal. I
thought they would try to
talk me out of filing, but