When individuals contact us about scheduling a free office consultation, we ask that they bring a list of their debts. We ask this because when it comes time to file bankruptcy, you either need to write down the names and addresses of your creditors, bring the monthly statements, or bring a credit report. This is one of the most important steps in the bankruptcy filing process.

Below are tips on how to begin creating a list of debts:

Collect bills: Start by collecting all of your monthly statements you have received in the mail or by email. This includes any notices you get from collection agencies or lawyers. It is likely that just by doing this you will have a nearly complete list of your debts.

Take a moment to think: Your next step should be to try and remember if you have any other outstanding debts. Is there anyone else that you recall owing but don’t have a statement? If so, then obtain the address and include it with the rest of your debts.

Get a credit report: You can order one for free at www.annualcreditreport.com from each of the 3 major credit reporting agencies.

Having a complete list of creditors will help make the first free consultation with our lawyer beneficial by allowing him to give you the best advice based on your circumstances.

Posted in Bankruptcy, Consumer Bankruptcy

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