Balena law Firm, LLC works hard to take the pressure out of your decision to become a bankruptcy client. I have had hundreds of consultations. I have learned from this experience that you have an issue that you hope bankruptcy will help. You need to meet with a competent bankruptcy attorney to find out. To begin this process you need to call for a consultation. You may call either of the numbers below. One is local and the other toll free:
Each number takes you into the office system. I suggest you select extension 701. You can try to connect to one of my extensions, but if I am in court, a creditor meeting, or in another consultation I won’t answer and you will be directed to voicemail. Extension 701 is for my assistant, Debra Elswick. That extension has the best chance of answering. You can email me to request a consultation, but if you do, please include your best telephone number so we are not playing email tag. I want to see you as soon as possible after you call. For your convenience I can meet with you some evenings and Saturday mornings.
Unlike other bankruptcy attorneys I will not be sending you a questionnaire. You don’t need to spend hours answering questions in writing that will only be needed if you decide to hire me as your bankruptcy attorney. I want to meet with you to find out what is causing you to lose sleep at night. That isn’t found in a list of questions.
Another class of items I will not need you to bring the first time we meet is your bills. Nothing interferes with a quality discussion more that a bag or box of bills, many of them duplicates, that have never been opened. Should you decide to file, you will need these to complete the questionnaire I will give you to complete following the consultation.
Here is the list of things I need you assemble and bring for our meeting. Most of it you can download on the Internet:
- Tax returns for the past two years you filed. If you owe taxes I want you to apply for the tax transcript for each of those from www.irs.gov. I will not need the transcript for our meeting. Also bring W2s and 1099s for each of the two returns you bring.
- Pay advices (stubs) for the past 6 months. If your spouse is working, even if not filing with you, I will need his information as well. If you do not have the advices, please obtain a print out from employers.
- Statements for the past 6 months for each and every bank, credit union, checking, savings, investment, and Christmas Club accounts which is in your name. This includes any accounts you may be on for another person such as a parent or a child for convenience purposes.
YOU WILL NEED TO KEEP THE ABOVE INFORMATION UPDATED UNTIL THE MONTH AFTER YOUR CASE IS FILED.
IF THERE IS ANY CHANGE IN THE EMPLOYMENT STATUS FOR YOU OR YOUR SPOUSE UP TO THE TIME YOUR BANKRUPTCY CASE IS FILED, YOU NEED TO REPORT THAT INFORMATION TO ME IMMEDIATELY, AND FOLLOW IT UP WITH EMAILS TO: firstname.lastname@example.org, and debra@ohbksource. SUCH A CHANGE MIGHT DISQUALIFY YOU FROM THE BANKRUPTCY RELIEF YOU PREFER.
Additional information I will require as it applies to your situation:
- Current drivers license or state id
- Court papers from any lawsuits or garnishments
- Divorce papers or separation agreements.
- Deeds to any real estate that your name might be on. This includes property that a parent or another person put your name on to “avoid” probate.
- Titles or Memorandum Titles for vehicles in your name. This includes Titles in your name for cars that really belong to someone else such as a child or a friend.
- Cash value statements for all insurance policies in your name.
- Most recent retirement plan summaries including 401k, 403b, IRA, Rollover, QDRO, PERS, STRS or other pension.
At our meeting I will review your situation so we can decide your next step. If bankruptcy is a good idea, you enter a retainer agreement for the chapter you need. You will then fill out a release to obtain your credit report. If you wish to pay any fees at that time, that is up to you, otherwise we will establish a payment plan for your bankruptcy legal fee and filing costs.
After all this, I will give you the questionnaire once you are a bankruptcy client of Balena Law Firm, LLC. You can take your time and complete it right without struggling to get it finished at the last minute for a consultation.