Bankruptcy Process

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Do you qualify to file Chapter 7? Click here to submit a fast form to the attorney.

Click here to call 844-322-6932 or click here to self-schedule an appointment to speak with a bankruptcy attorney Malinda M. Pennington to determine how bankruptcy protection is right for you. If you decide to move forward, we have a variety of payment options.

Thank you for considering us to represent you!

Our bankruptcy process is easy. You work directly with your bankruptcy attorney in a series of telephone interviews with one in-office appointment.

During these interviews, you and the attorney review your specific facts to prepare your case and to ensure that you are ready for your bankruptcy hearing. Once your case is prepared, you have a final office appointment to review your case and sign the bankruptcy as required by law.

Your payment schedule will determine your case preparation schedule. Your case will be prepared in stages while you are making payments and you may refer your creditors to our office for all communication once you make your first payment.

Your case preparation schedule will include the following interviews, conducted by your attorney by phone:

1. Required Personal Documents Review 
2. Statement of Financial Affairs & Income Verification 
3. Personal & Real Property
4. Credit Reports & Added Creditors
5. Expenses, Bank Statements, Paystub Updates 
6. Full Corrective Review 
7. Bankruptcy Documents Finalization 

You will be asked to provide

1. Your last two years’ tax returns including W2s (all tax returns must be filed before your bankruptcy case can be filed), and
2. Your last six months’ pay stubs or other proof of income, for example a Social Security benefits letter or retirement account statement.
   • If your income is higher and close to requiring Chapter 13 on your “means test” we may also ask for your first paystub of the year.
3. If you are self employed, a six month profit and loss statement.

Specific information is also necessary to identify your assets to the Court, VIN #s on vehicles, last four digits of all account numbers, detail of any jewelry of value, and make/model information on recreational vehicles, musical instruments and guns.

Your court appointed trustee will request your bank account statements after your case is filed.  These requests can range from 90 days to 2 years.

Remember that any transfers of money or other property to family or friends can make bankruptcy a less than ideal remedy, so make sure you disclose this to your attorney early in your preparation process.

Click here to call 844-322-6932 or click here to self-schedule an appointment to speak with a bankruptcy lawyer to determine how bankruptcy protection is right for you. If you decide to move forward, we have a variety of payment options.