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What Do I Do Next?
If you want to learn more about bankruptcy and how it might work in your situation, the next step is to come in for a no-cost, in-person consultation. At that time you will meet with an experienced attorney who will review your financial circumstance and provide an outline of what bankruptcy options are available to you. After understanding more about your particular circumstance the attorney will advise whether bankruptcy is right for you and which chapter of bankruptcy would be best. You will also be quoted a fee for handling your case. If you are ready to move forward we will discuss what happens thereafter. If bankruptcy is not a good fit, there is no obligation and the only cost to you is the time you spent with us.
To set up an appointment for a bankruptcy consultation please click the button at the bottom of this page or call my office at (806) 687-4357 and ask to schedule an appointment to discuss bankruptcy. Please plan on being at my office for about 45 minutes to an hour. If you are married and interested in filing with your spouse, it is best for both of you to come to the consult (although this is not mandatory if work schedules do not permit it).
What do I bring with me for the consultation?
All I ask you to bring to the consultation is a simple list of your debt. This is nothing more than listing of your lender’s names and the total amount you owe to each lender. If you would like to, you may also bring the contact information and schedule of living expenses form discussed below.
IMPORTANT!!!! At this point, I don’t need your actual billing statements or credit report. In fact, if you bring those items and ask for us to review them it will significantly lengthen the period of time necessary to complete the initial consultation. If you decide to move forward with bankruptcy after the initial consultation, we will ask you to provide those items (and many others) at a later time.
When you arrive for your consultation my staff will provide some preliminary paperwork for your review and completion. We will ask for your basic contact information, your list of debt (so that we may make a copy for our file), and ask you to read and sign a Consultation Agreement. We will also ask you to fill out a schedule of how much you spend on a monthly basis for your basic living expenses. This schedule of expenses covers housing, utilities, food, transportation, and insurance expenses (among other things). While I don’t need exact numbers for these expenses, you will need to provide approximations for these numbers.
To minimize the amount of time you will spend in my office for your first visit, you can fill out some of the preliminary paperwork before you come in. This link is a fill-in pdf file that contains the same paperwork that we will present you when you come in. If you are not familiar with “pdf” files, this stands for “portable document format.” You will need software capable of reading this type of file to use it. Adobe makes a free reader which is available for download at http://get.adobe.com/reader/. If you are not comfortable using this fill-in form, don’t worry. You can simply complete this paperwork when you arrive for your consultation.
My staff and I look forward to meeting you!