How do I get ready to file bankruptcy?

Start a file of what you owe. Assemble the most recent bills from your credit cards and home and cars and from each of your creditors.

Go to your HR staff where you work and get copies of your last 6 months of pay stubs. Get a copy of the trust deed and / or loan agreement for any secured debts, such as a home or car.

Be sure all your tax returns have been completed and filed for the current and at least the two previous tax years.

Locate your proof of insurance on your car(s) and / or home.

Provide to your attorney copies of all of the documents mentioned in this paragraph. That should get things rolling, but it's not an exhaustive list.

Then it is important to get an appointment with an bankruptcy attorney to go over these documents. At our office "The Law office of Paul Staley " Paul will go over this information and run the "means test" for you. There is no cost for this appointment. It is the only way you can know if you qualify to proceed with either a Chapter 7 or a Chapter 13 Bankruptcy.