{"id":532,"date":"2013-04-04T21:36:40","date_gmt":"2013-04-04T21:36:40","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=532"},"modified":"2013-04-04T21:55:19","modified_gmt":"2013-04-04T21:55:19","slug":"what-to-bring-to-the-first-meeting-at-my-offce","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/what-to-bring-to-the-first-meeting-at-my-offce\/","title":{"rendered":"What to Bring to the First Meeting at My Offce"},"content":{"rendered":"

For me the starting point for most bankruptcy cases is a call from the prospective client. \u00a0If you are reading this that could be you. \u00a0Before anything else I like to do a screening over the phone. \u00a0This can be done in about fifteen minutes, sometimes maybe a bit longer. \u00a0No need to be afraid of me. \u00a0I’m easy to talk to. \u00a0There’s no fee for the phone conversation. \u00a0If the information from the phone conversation indicates that bankruptcy is appropriate, whether that be a Chapter 7 or a Chapter 13, the next thing I want to do is meet face to face in my office for a more serious consultation. For this I will charge a small consultation fee, which I will have quoted in the phone conversation. \u00a0I will credit the consultation fee against my fee for the case if we decide to go ahead. \u00a0If I suggest that you come in for a consultation, it’s because I’m already fairly certain that it is a case I would accept.<\/p>\n

There are four batches of information that I would ask you to bring when you come:<\/p>\n

    \n
  1. Forms.<\/strong> \u00a0There are two forms on my web site, the bankruptcy questionnaire<\/a> and the monthly expense sheet<\/a>. \u00a0 Please print these two forms and fill them out in pen and ink. \u00a0Pencil is OK too. \u00a0Then bring them with you when you come. \u00a0Some of the questions, especially on the first form, are hard to answer. \u00a0If you can’t figure out the question, leave it blank and we’ll talk about it when you come in. \u00a0Complete the expense sheet to the best of your ability, and we’ll go over those numbers when you come in too. \u00a0Remember that things you charged on a credit card count as an expense as well as the things you paid for in cash or by means of your checking account.<\/span><\/li>\n
  2. Tax returns.<\/strong> \u00a0I’d like to see your state and federal tax returns for the past two calendar years, along with your W2s and any similar supporting paperwork. \u00a0At the time of writing this post, that would be the returns for 2011 and 2012. \u00a0If you filed for a Minnesota property tax refund or Minnesota rent credit, I’d like to see that return for the past two calendar years as well. \u00a0If you file separate returns for your corporation or LLC, bring them along as well.<\/li>\n
  3. Pay stubs and income information for the past seven months.<\/strong> \u00a0I need to see the last seven months of pay stubs from your your job and from the job of your spouse. \u00a0If you don’t have them, get them from your employer or from your employer’s web site. \u00a0By seven months I mean the six previous months plus the month we are in. \u00a0If you don’t have pay stubs\u00a0because you are self employed, I need a spread sheet showing your gross income and your business-related expenses for that same seven month period. \u00a0If you don’t have pay stubs because you are unemployed, I need detailed info on what unemployment benefits you are receiving and what taxes are being withheld from your benefits if any. \u00a0If you are receiving child support or spousal maintenance, I would want dates and amounts received during that seven month period. \u00a0If you are on \u00a0Social Security or Social Security Disability, provide me with details of how much you received gross in the past seven months and what if anything was withheld from that. \u00a0If there is any kind of income coming in from anywhere, I need to know about it.<\/span><\/li>\n
  4. Details about your debts<\/strong>. \u00a0I want to see every piece of paper you have describing each and every debt. \u00a0Include your credit cards, car loans, mortgages, tax debts, student loans and any fines and penalties you owe. \u00a0I usually can’t make the student loans go away, but I still need to know all about them. \u00a0You probably intend to keep paying your mortgages and car loans, but we need to list them anyway. \u00a0Some of your tax debt may be dischargeable, but even if it isn’t we need to list it all. \u00a0Be sure to include nasty letters from lawyers and collection agencies. \u00a0Eventually we will be checking your credit report, but for the first meeting the information you have handy about your debt will probably be enough.<\/li>\n<\/ol>\n

    As you might have gathered by this point, that consultation in my office is usually quite thorough. \u00a0I should be able to give you an opinion concerning your situation that will be worth the trip. \u00a0Figure on spending an hour and a half – more if we are planning on running a means test.<\/p>\n","protected":false},"excerpt":{"rendered":"

    For me the starting point for most bankruptcy cases is a call from the prospective client. \u00a0If you are reading this that could be you. \u00a0Before anything else I like to do a screening over the phone. \u00a0This can be done in about fifteen minutes, sometimes maybe a bit longer. \u00a0No need to be afraid … <\/p>\n

    Continue reading “What to Bring to the First Meeting at My Offce”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":534,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[69,12,28,107,1],"tags":[170,168,169,171,172],"class_list":["post-532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chapter-13","category-chapter-7","category-filing-bankruptcy","category-filing-process","category-uncategorized","tag-consulting-with-a-lawyer-concerning-bankruptcy","tag-income-requirements-for-bankruptcy","tag-information-required-to-file-bankruptcy","tag-seeing-your-minnesota-bankruptcy-attorney","tag-what-to-bring-when-you-see-your-bankruptcy-lawyer"],"yoast_head":"\nWhat to Bring to the First Meeting at My Offce - 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \"I'm a very good source of unreliable information about that.\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. 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