{"id":6267,"date":"2016-11-05T22:34:50","date_gmt":"2016-11-05T22:34:50","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=6267"},"modified":"2016-11-05T22:47:09","modified_gmt":"2016-11-05T22:47:09","slug":"how-do-i-get-started-with-filing-a-chapter-13-bankruptcy","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/","title":{"rendered":"How Do I Get Started with Filing a Chapter 13 Bankruptcy?"},"content":{"rendered":"<p>I am a regular contributor to the &#8220;ask a lawyer&#8221; feature at <a href=\"http:\/\/avvo.com\" target=\"_blank\">avvo.com<\/a>. Recently I answered &#8220;how do I get started with filing a Chapter 13 Bankruptcy?&#8221; With a few minor edits, my answer was as follows:<\/p>\n<p>Step one is simple. Find the name and phone number of a competent bankruptcy lawyer in your state, preferably near your home. This web site (referring to avvo.com) is a good place to do that.<\/p>\n<p>Step two: pick up the phone and call that person. Most provide a free consultation, at least over the phone. (I provide a free consultation over the phone. \u00a0After that, if things look promising, I&#8217;ll invite you to my office for a more heavy duty look at your situation. \u00a0For the in-office review, I charge a very small fee.)<\/p>\n<p>Step three: disclose to that lawyer everything he or she asks, fully and without reservation. The lawyer needs to know everything about your income, assets and debts. Be ready with two years of tax returns, six months of pay stubs, and a list of your debts or a stack of statements for your debts that includes every last one of them. Your lawyer may also want to take a look at your bank statements for all your accounts, perhaps as much as six months worth.<\/p>\n<p>When it comes to income, don&#8217;t forget your part time job. Don&#8217;t forget the money you make selling Mary Kay or doing photography on the side. Your lawyer will need to know about any large gifts you have made in the past couple of years, large items such as cars or boats that you may have sold in the past couple of years, and what debts you&#8217;ve been paying and what debts you have not been paying.<\/p>\n<p>It&#8217;s a lot of work, which is why it&#8217;s not free. And it certainly can&#8217;t be done all at once. At least at my office, it is a process that takes several meetings. It&#8217;s way more complicated than just preparing a tax return. As with any large project, plan on getting started and doing it a little at a time.<\/p>\n<p>Your lawyer can help you figure out whether you really want to do a Chapter 13. \u00a0A Chapter 7 might be better. \u00a0Every journey starts with just one step.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>I am a regular contributor to the &#8220;ask a lawyer&#8221; feature at avvo.com. Recently I answered &#8220;how do I get started with filing a Chapter 13 Bankruptcy?&#8221; With a few minor edits, my answer was as follows: Step one is simple. Find the name and phone number of a competent bankruptcy lawyer in your state, &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;How Do I Get Started with Filing a Chapter 13 Bankruptcy?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":674,"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":[1],"tags":[],"class_list":["post-6267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Do I Get Started with Filing a Chapter 13 Bankruptcy? - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Do I Get Started with Filing a Chapter 13 Bankruptcy? - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"I am a regular contributor to the &#8220;ask a lawyer&#8221; feature at avvo.com. Recently I answered &#8220;how do I get started with filing a Chapter 13 Bankruptcy?&#8221; With a few minor edits, my answer was as follows: Step one is simple. Find the name and phone number of a competent bankruptcy lawyer in your state, &hellip; Continue reading &quot;How Do I Get Started with Filing a Chapter 13 Bankruptcy?&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/\" \/>\n<meta property=\"og:site_name\" content=\"Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/davidkelllylawoffice\" \/>\n<meta property=\"article:published_time\" content=\"2016-11-05T22:34:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2016-11-05T22:47:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2014\/06\/Kelly_Web_SIte_Log.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"234\" \/>\n\t<meta property=\"og:image:height\" content=\"76\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"DaveKelly\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"DaveKelly\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/\"},\"author\":{\"name\":\"DaveKelly\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/person\/a385963a920f92e1cf406fa921c98453\"},\"headline\":\"How Do I Get Started with Filing a Chapter 13 Bankruptcy?\",\"datePublished\":\"2016-11-05T22:34:50+00:00\",\"dateModified\":\"2016-11-05T22:47:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/\"},\"wordCount\":391,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2014\/06\/Kelly_Web_SIte_Log.jpg\",\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/\",\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/how-do-i-get-started-with-filing-a-chapter-13-bankruptcy\/\",\"name\":\"How Do I Get Started with Filing a Chapter 13 Bankruptcy? 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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. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. 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