Note: If filing jointly, we need BOTH husband and wife to attend this appointment.
During your office appointment we will:1.
Review your income from your last 60 days (two months) paystubs or other documents you bring showing current income. We will also include income from other sources like child support, part-time and business income.
Social security is
not included in bankruptcy income although I will note the amounts you receive.
If you have a
small business we will need to review your gross income and net income (after business related expenses) for the past six months, so bring whatever records you keep on income and expenses.
2.
Complete Case Evaluation.
If you have had more than $1,000 in charges/cash advances/balance transfers or other use on any one credit card in the 90 days prior to your appointment we will need to know that.
3. If Jeff feels that he can get you a successful discharge and you would like to go forward, Jeff will accept your
fees in cash or money order.
If you are not eligible or choose not to go forward at this time, you pay Jeff nothing.4. Photocopy
Photo ID and Social Security card. If you do not have your social security card we will copy your W2 or tax return.
5.
Draft Petition:
List & exempt Real Estate and other property. If you own real estate, bring your legal description from your abstract or tax bill. We will list and exempt all retirement accounts so you may want to bring statements or at least have a general idea of how much is in your IPERS, 401k, IRA's or other such account(s).
List all debt including debts you intend to keep. Be sure to bring home and car loan statements even if you intend to keep those; that way we can give the banks notice of your intent to continue payments.
If you can, bring the most recent statement from each of your credit cards. Behind the most recent statement, clip all collecting letters you have on that account. This is the best way to cut down on hassles later. List lawsuits, judgments, liens and garnishments, so bring these if you have any. If you have a garnishment in progress or pending bring the name and address of the payroll person at work if you can.
List back due child support. If possible, bring the name and full address of the recipient. We will list the recipient plus Iowa Child Support Recovery if applicable.
Schedule Income and Expenses.
If possible, please complete the expenses form below, that will speed things up when you come in.
6. List last two years income from
W2's, 10-99's or tax returns
7.
Print, review & sign petition! You will receive a copy of the petition to take home and review at your leisure before Thursday filing.
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“
THE LIST” of documents to bring:
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•
$1199 in cash or money order ($900 attorney fee and $299 filing fee)
•
Credit Counseling Certificate (two if filing married jointly)- you can get this online at
www.cccsinc.org,
firm code 2671. Allow TWO DAYS to receive certificate after completion. If you have questions about how to complete the online class, call 1-866-672-2227 and they will talk you through it. Try to bring a hard copy to your appointment.
• All
bills you intend to discharge (credit cards, medical etc.) w/ account numbers, full address. We can reduce errors if you
bring in the actual paper bills if possible. The actual bills are better than a list, spreadsheet or disk.
• Creditor information (full address, account #'s) on
debts you will keep like home or car loans
• Last two months (60 days)
pay stubs from work (including your spouse even if they are not filing)
• If you do not receive wage income, bring records of
other income for the last six months
• Most recent state and federal
tax returns •
W2's for the last two years
•
Legal Description of your Iowa home if you own from your abstract or tax bill
•
Photo ID and Social Security Card or proof of social security number
* Please make sure I have the correct email address you will be checking over the next few months as your case progresses. Email is a great way for me to get information out to you fast.*If you wear glasses for reading, bring them to our meeting*If you are missing something just bring what you have and we can usually make it work.
And after all our labor...

A completed Iowa Bankruptcy Petition.
Hello Jeff,
"Thank you for all your lawyerly assistance with my bankruptcy filing. It was rather easy and painless--it seems like it shouldn't have been considering the nature of it, but your online Q&A, the green folder and your emails made filing a lot less scary than it could have been. I felt from the outset that you were a good choice for a lawyer, and I'll be happy to recommend you to anyone I know that's thinking of going through the process".
-Recent ClientJeff is a member of the National Association of Consumer
Bankruptcy Attorneys and utilizes the best bankruptcy software on the market, Best Case
Bankruptcy Attorneys Software.
See Jeff's primary
Iowa bankruptcy site and his
Iowa Bankruptcy Guide. Jeff's
Iowa foreclosure site covers your Iowa foreclosure options.
National Bureau of Economic Research -
More Americans file for Bankruptcy than Graduate from College or Get Divorced