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Which Documents Do You Need for a Chapter 7 Bankruptcy Filing?
Family law attorneys advertise Divorce Monday, the first business Monday of the year, when unhappily married people act on their New Year’s resolutions and file for divorce from their spouses; the courts receive more divorce filings on Divorce Monday than on any other day of the year. Although bankruptcy lawyers do not advertise Bankruptcy Monday, the beginning of a new calendar year is an ideal time to start your bankruptcy case. If you have resolved to start 2024 by filing for Chapter 7 bankruptcy so that you can discharge your eligible debts by 2025, the holiday season is the perfect time to start gathering your documents in preparation for your meeting with a bankruptcy lawyer. Besides, looking over your old bank statements and seeing how little you got paid for your hard work and which of your expenses were truly preventable hurts less than listening to your family complain about your physical appearance and your political views. It only takes a few days to make it through the holidays, and soon, you will be ready to take major steps toward freedom from debt with an Oakland Chapter 7 bankruptcy lawyer.
Documents to Bring to Your First Meeting With a Chapter 7 Bankruptcy Lawyer
In a Chapter 7 bankruptcy case, the court will discharge your eligible debts immediately after determining which of your assets, if any, it can sell to put the proceeds toward debt settlement. Most people who file for Chapter 7 bankruptcy can complete the case and discharge their eligible debts without forfeiting any of their assets; if you have assets that are non-exempt from liquidation, it is a better idea to file under Chapter 13, provided that your income is high enough to comply with the court-ordered Chapter 13 payment plan.
Filing for Chapter 7 bankruptcy is painless compared to remaining in debt, but it does require you to be organized. These are the documents the court will want to see during your Chapter 7 bankruptcy case:
- Proof of income, including your pay stubs and income tax returns
- Proof of expenses, including grocery receipts, phone and Internet bills, rent checks, and utility bills
- Titles to assets you own, including your car and, if applicable, your house
As long as you are truthful and do not try to conceal any of your income or assets, the chances are high that the bankruptcy court will accept your request for bankruptcy protection. Your goal is not simply to avoid rejection of your bankruptcy filing, though. You want to get the biggest relief possible from your debts. To do this, you should review your documents thoroughly with your lawyer before you submit your bankruptcy filing to the court.
Contact the Law Office of Melanie Tavare About Preparing for Your Bankruptcy Case
A debt relief lawyer can help you prepare for a successful bankruptcy filing that will improve your financial situation quickly. Contact the Law Office of Melanie Tavare in Oakland, California, or call (510)255-4646 for a free case evaluation.
"Melanie is the best she very responsive and helpful throughout the process everything was taken care of smoothly. If you are thinking of going through bankruptcy she is the best attorney for you. I will forever be grateful having the chance to work with her. She is very honest too."
Sandhya.
"I can't thank Melanie enough for helping me through a challenging process and doing so with incredible knowledge, professionalism and tenacity! She went to great lengths to keep me informed, she responded quickly to my questions, and communicated in terms that I could understand. I highly recommend getting in touch with Melanie should you have the need."
Carrie.
"Choosing to work with Atty. Melanie has been one of the best decisions I've ever made. She was a very patient professional to work with and attentive while providing valuable solutions to all of my concerns. If you are searching for of an Attorney who is knowledgeable, transparent, and diligent - well that's Atty. Melanie."
Marwin.
"What I liked about working with Melanie was how prompt and easy to work with she was. She made the process clear and understandable with as little stress as possible. I would work with her again and recommend her to others."