ADDITIONAL INFORMATION AND DOCUMENTATION NEEDED

In addition to the information set out in the forms, you must provide the following documents and information.

1. Copies of all pay stubs, payment advices, or other evidence of payment received within 60 days before the date of filing of the petition by you from any employer.

2. A statement of the amount of monthly net income.

3. A statement disclosing any reasonably anticipated increase in income or expenditures over the 12-month period following the date of the filing of the petition.

4. A certificate from an approved nonprofit budget and credit counseling agency.

5. A copy of your federal income tax return, or a transcript of the return, for the most recent 2 years ending immediately before we file your case.

6. A document that establishes your identity and Social Security Number, including a driver's license, passport, or such other document containing your photograph.

Once you have completed your first meeting with our office, your information will be prepared for signing.

SIGNING YOUR PAPERWORK

This meeting must be done in person. You are signing your papers under oath that they are correct. We will go over each page carefully with you. This is the time to ask questions. We will make any corrections if needed. The Court assumes if you signed the paperwork that you understood it and it is correct. At this time, the balance of fees and costs must be paid.

So I have signed my paperwork, what happens next? Your paperwork will be filed with the Court and a new case number assigned. Approximately one week after the filing of your case, you will receive a notice in the mail of your first Meeting of Creditors, with relevant dates and requirements in your case.

The meeting usually lasts about 5 minutes. You must plan to be there for at least 2 hours. Creditors are allowed to come and ask you questions. You will be placed under oath. You will be asked if the information in your Statement and Schedules is true and accurate. Your testimony should match the information in your Schedules.

What do I need to bring to my meeting? You need to bring your drivers license, proof of your social security number, and a bank statement covering the date of filing.