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Minnesota Bankruptcy Attorney

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Some Minnesota Bankruptcy Handouts


Documents Required after Filing Bankruptcy
Required Proof of Identity
Bankruptcy Information Sheet
Obtaining Your Credit Report

 

Documents Required after Filing Bankruptcy

The new law requires that the trustee is to be provided with a copy of your most recent tax return prior to the meeting of creditors. For all practical purposes, "meeting of creditors" means "hearing." There is also now a longer list of what you are required to bring to the meeting of creditors. Several years ago the folks at the clerk of court's office in Minneapolis prepared a little sheet which lists these items, and for a while there were passing it out to those brave but foolish souls who are coming in to file their own cases without the help of a lawyer. This sheet is now pretty old now; and most of the trustees are requesting additional information not listed here.  While this handout may be helpful, it is best to talk with your lawyer about what's required.  To view or download click here.

 

Required Proof of Identity

Heaven help you if you show up for the meeting of creditors ("341 Meeting) without a picture ID and something in writing that proves your social security number is yours. The preferred items to take care of this requirement are a driver's license and a social security card. There are other alternatives, however, all of which are set forth in the "Notice to Debtors and Attorneys" handout. 

 

Bankruptcy Information Sheet

At the meeting of creditors, which Dave Kelly always just calls the "hearing," one of the questions will be "have you read the Bankruptcy Information Sheet?" The correct answer to this question is "yes." So be sure you actually have read this sheet.

 

This item might more properly be called the misinformation sheet, since the situation it describes could only take place in a case where none of the assets were exempt. Years ago I overheard Jack Prescott in the courthouse hallway telling his clients not to worry about it because "it's all lies."

 

Obtaining Your Credit Report

If you search on Google you will find several sites offering to provide a free credit report. When you get into the process you will often find that either it is not free, they want you to sign up for some kind of membership, or they want a lot of personal information which they are going to use to bury you in advertising. There's only one place Dave recommends for getting a free credit report, and that's AnnualCreditReport.com. This is a is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion. AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).


Kelly Lalw Office, across from RidgedaleKelly Law Office
11900 Wayzata Blvd. #116E
Minnetonka, Minnesota 55305
Phone: (952) 544-6356
Fax: (952) 525-7924
Email:
dave@mn-bankruptcy.com

 

Across I-394 from Ridgedale. Serving the entire Minneapolis and St. Paul area, with easy access from the western suburbs including Minnetonka, St. Louis Park, Golden Valley, Hopkins, Eden Prairie, Maple Grove, St. Michael, Waconia, Medina and Plymouth. Also available by appointment only at 8421 Wayzata Blvd., second floor conference room, St. Louis Park, MN 55426