There are certain things you need to address before you file for a chapter 7 bankruptcy.
Here is a list of some of the items you will need to gather in order to get started with your bankruptcy:
A list of your creditors, addresses, amounts owed and account numbers
A list of all of the property you own and an idea as to the value of it.
Legal description of any real estate you may own.
Your Monthly Income and Expenses.
To value your property take into account the age of the item and what the current market can bear for it. A good place for comparison is eBay.
Nadaguide is a good place to look for your car value and is accepted as a source by US Trustees.
When valuating your house most people use their property tax values. In today's market if you have a lot of equity
You might want to consider an appraisal; this might come in lower than the current tax assessment.
HERE IS THE LIST OF FORMS WE PREPARE FOR YOU
1.Voluntary Petition
2.Summary of Schedules
3.Schedule A - Real Property
4.Schedule B - Personal Property
5.Schedule C - Property Claimed
As Exempt
6.Schedule D - Creditors Holding
Secured Claims
7.Schedule E - Creditors Holding
Unsecured Priority Claims
8.Schedule F - Creditors Holding
Unsecured Nonpriority Claims
9.Schedule G - Executory
Contracts and Unexpired Leases
10.Schedule H - Codebtors
11.Schedule I - Current Income of
Individual Debtor(s)
12.Schedule J- Current
Expenditures of Individual Debtor(s)
13.Declaration Concerning Debtor's
Schedules
14.Statement of Financial Affairs
15.Means Test Calculations and
Documents
16.Chapter 7 Individual Debtor's
Statement of Intention
17.Statement of Social Security
Number
18.Creditor Mailing Matrix
19.Creditor List Formatted for
Diskette (if Needed)
20.Court Fee Waiver (If requested)
21.Statement Re Payment Advices
22.Certificate of Completion –
Pers. Financial Mgmt (Needed after 341 Meeting)
23.Exhibit D – Individual
Statement of Compliance with Credit Counseling
24.Declaration and Signature of Non-Attorney
Bankruptcy Petition Preparer (B19)
25.Disclosure of Compensation of Bankruptcy Petition
Preparer (B280)
26.Notice to Individual Consumer Debtor(s) (B201A)
27.Certification of Notice to Individual Consumer
Debtor(s) (B201B)
Items 21-23are
almost always forgotten by other companies and results in a deficiency filing
which YOU will have to fix or your case will be DISMISSED.
Items 24-27are rarely given and they ARE
REQUIRED BY FEDERAL LAW. In fact if the people who prepare your petition do not
file these
documents with your petition,
they are asking you to commit BANKRUPTCY FRAUD. We sign your petition and fill
out all of the documents
disclosing we prepared your
documents for you. Don't get caught in a lie, whoever you use, ask them if they
fill out these forms to ensure they follow
Title 11 of the United States
Bankruptcy Code to the letter so that you don't get into trouble. Any reputable
company will be more than willing to sign
your documents if they are
legitimate and complete them correctly. That is why we have no problem signing
our documents because we follow the law.
Are you
ready to start your bankruptcy today?Visit ourorder page to get
started for only $97
MAXIMUM MEDIAN INCOME PER STATE FOR CHAPTER 7
State
1 Person
Family
Size
2
People
3
People
4
People *
Alabama
$38,018
$46,143
$51,613
$62,983
Alaska
$51,112
$74,242
$80,133
$84,577
Arizona
$41,915
$54,510
$58,696
$66,030
Arkansas
$32,304
$43,370
$48,799
$53,523
California
$47,234
$61,954
$67,562
$77,596
Colorado
$47,814
$63,635
$69,717
$82,621
Connecticut
$56,929
$70,800
$82,305
$101,647
Delaware
$47,634
$61,424
$67,412
$83,928
District of Columbia
$48,034
$78,878
$78,878
$78,878
Florida
$39,383
$49,321
$53,713
$64,084
Georgia
$38,748
$51,184
$55,767
$68,122
Hawaii
$49,846
$63,143
$74,449
$85,190
Idaho
$38,420
$47,863
$54,558
$60,488
Illinois
$45,607
$59,104
$68,782
$79,788
Indiana
$39,487
$50,279
$58,075
$68,109
Iowa
$39,803
$55,132
$62,485
$74,349
Kansas
$40,982
$56,251
$63,816
$68,154
Kentucky
$36,999
$44,353
$51,046
$62,739
Louisiana
$37,493
$45,950
$54,800
$66,154
Maine
$38,860
$50,767
$58,097
$67,361
Maryland
$54,874
$73,291
$85,746
$101,693
Massachusetts
$54,161
$67,142
$82,385
$100,462
Michigan
$41,875
$49,919
$59,190
$70,600
Minnesota
$45,022
$60,694
$72,886
$83,772
Mississippi
$32,131
$40,908
$46,299
$54,812
Missouri
$38,697
$50,295
$57,664
$68,705
Montana
$37,954
$51,566
$55,357
$66,825
Nebraska
$38,287
$53,251
$64,429
$69,950
Nevada
$42,346
$56,612
$59,802
$69,371
New Hampshire
$50,630
$62,509
$81,134
$88,538
New Jersey
$58,107
$69,539
$84,192
$99,474
New Mexico
$36,672
$51,018
$51,459
$52,842
New York
$45,548
$56,845
$67,292
$82,587
North Carolina
$37,171
$49,813
$54,573
$66,487
North Dakota
$40,774
$55,501
$68,209
$78,352
Ohio
$40,091
$50,491
$59,275
$71,453
Oklahoma
$36,289
$48,909
$53,261
$63,004
Oregon
$43,986
$54,656
$59,546
$71,593
Pennsylvania
$44,172
$52,839
$66,030
$78,626
Rhode Island
$45,391
$57,567
$71,019
$87,163
South Carolina
$36,457
$49,685
$51,887
$62,056
South Dakota
$35,008
$52,581
$57,845
$66,918
Tennessee
$37,528
$46,432
$52,368
$62,197
Texas
$37,676
$54,288
$55,534
$64,420
Utah
$49,818
$55,220
$60,944
$68,707
Vermont
$42,347
$57,013
$64,767
$77,127
Virginia
$49,484
$62,586
$72,078
$85,586
Washington
$49,124
$62,204
$71,354
$81,269
West Virginia
$39,109
$41,919
$50,521
$59,307
Wisconsin
$40,486
$55,175
$65,187
$76,188
Wyoming
$45,427
$59,847
$68,553
$75,129
* Add $7,500 for each individual in excess of 4.
"we are not attorneys and cannot give legal advice"
