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If you are planning to file for Chapter 7 or Chapter 13 Bankruptcy, then it is important that you secure the assistance of a bankruptcy attorney to help you navigate your way through the process. Below you’ll find a general list of items and information you’ll need to bring to your first meeting with your lawyer—these will help the bankruptcy attorney determine how best to handle your case.

1. Creditor Information- Your bankruptcy attorney will require you to bring a list of the companies that you are indebted to. This will include information on any home mortgages, car loans, credit card companies, unpaid medical bills, and lawsuits. Bring all correspondence between you and your creditor (this includes email notifications), as well as current balances and all past billing statements.

 2. List of Assets- Your bankruptcy law firm will need a list of all of your assets so that they can determine which will be declared viable for liquidation and which exempt. Include references to all of your household possessions, any investments or stocks, and any real estate you own. Keep in mind that if you fail to report any assets you own to the court, then you can be charged with fraud.

3. Income and Expenses- Your bankruptcy attorney will also need all information relating to your income—tax returns, pay stubs from the previous six months, and the income of your spouse. This, combined with a record of your monthly expenses (rent/mortgage, food, transportation costs, insurance premiums, child support, and utility bills), will determine whether you qualify for Chapter 7 or Chapter 13 bankruptcy.


If you have further questions regarding your initial consultation with your bankruptcy attorney, then simply ask our staff members at Cutler & Associates, Ltd. We can give you a general overview of what documentation is typically required, and a more detailed list should you wish to schedule an appointment with one of our attorneys.