Chapter 7 or Chapter 13?

Which Bankruptcy you file depends on the interplay of the last six-months of your income, your assets and your disposable income as well as what type of debt you have and if you have filed a bankruptcy before. The purpose of the consultation is to figure this out. 

Step1: Call or email for a consultation.

Step 2: An appointment will be scheduled.

Step 3: You will then be sent an email with a PDF consultation form which you can fill out on-line. The email will also have the zoom link for your appointment.

Step 4: You will send back the completed consultation form and 6 months of your salary documents at least a day before the appointment. If you are married, we will need the same salary documents for your spouse as we are required to consider household income and household expenses.

Step 5: To get the most out of the appointment please make sure to fill out the consultation form completely. 

Step 6: Before the appointment you should draw up your monthly budget with and without your unsecured debt

Step 7 If you have tax debt, know the years and amounts you owe.

Step 8: If there is a forclosure date or an upcoming wage garnishment, make sure to let me know.

Step 9: If you have a separation and property settlement agreement, make sure you have that with you for the consult.