87 Things You Need To Know Before You File Before You File

87 Things You Need to Know Before You File Bankruptcy
Written and Published by
Victoria Ring, Bankruptcy Paralegal

1601 W Fifth Avenue, #123 Columbus, Ohio USA Voice: (614) 486-7642 Fax: (614) 486-8840 updated April 22, 2002 email: victoria@victoriaring.com website: http://www.bankruptcyparalegalservices.com
An Important Message to the Readers:

This free ebook provides information from the knowledge and viewpoint of a bankruptcy paralegal. However, laws and procedures change frequently, and they can be interpreted differently by different people. For specific advice geared to your particular financial situation, consult a qualified bankruptcy attorney. No book, software, or other published material is a substitute for personalized advice from a knowledgeable attorney licensed to practice law in your state.
An Important Message to Legal Professionals:

Since this book is provided free, you also have the authors permission to reproduce it in any manner you feel will benefit your client base. All that is required is that you mail a copy to Victoria Ring, 1601 W Fifth Ave #123, Columbus OH 43212-2303. Also, please email or call Victoria at 614-486-7642 if you would like a version of this book printed that is customized with your name and address. This book may also be distributed over the internet as a PDF document as long as it is it not offered for sale.
Interested in Starting a Business?

If you would like to offer bankruptcy petition preparation services in your area, we have developed a program which allows you to make extra money from your home. There is no cost to get started. Simply go to http://www.lawyerassistant.com to review our services for legal professionals. Fill out the online form and you will receive a free personalized set of bankruptcy intake forms, customized with your name and address. Make copies of the forms, charge the fee allowable in your state as a petition preparer and send the forms to us for processing. Some legal professionals using our service charge as much as $200, pay us $99.95 and make a healthy $100 profit from each petition. Please call Victoria Ring at 614-486-7642 after you have reviewed the website if you are interested in performing this service as a home business or add-on to your established practice.
Earn a $15.00 Referral Bonus:

If you have a friend, relative or co-worker interested in filing bankruptcy, please make a copy of the forms in this book (starts on Page 16) and give them to fill out and return to us. Be sure to write your name and address on the Referred By line at the top of the GENERAL INFORMATION form. When we receive the petition with your name and address on the Referred By line, we send you a $15.00 referral bonus check. There is no limit to the number of referral checks you can receive, so if you like our service -- get paid for it by referring clients to us.
TABLE OF CONTENTS
Page Who Will Benefit From This Information ..................................................................... Overview .................................................................................................................... Free Forms Included .................................................................................................. Paid Services ............................................................................................................. How to Determine if you Should Hire Victoria Ring to Prepare Your Bankruptcy Petition .............................................................................. Summary of Skills and Experience of Victoria Ring ................................................... How Hard is it to File a Bankruptcy Petition? ............................................................. Some Terms You Need to Know Concerning Bankruptcy ......................................... Chapter 7 Bankruptcy ................................................................................................ Chapter 13 Bankruptcy .............................................................................................. Changes in Payments During a Chapter 13 Bankruptcy ............................................ Chapter 11 Bankruptcy .............................................................................................. Steps That Occur for Either a Chapter 7 or Chapter 13 Bankrupcty .......................... Other Facts that You Need to Know .......................................................................... Debts That Cannot Be Discharged ............................................................................. The First Steps in Preparing a Bankruptcy Petition .................................................... 2 3 4 4 6 6 7 7 8 8 9 9 1 1 2 2
How Your Credit Will be Effected by Bankruptcy ....................................................... 11 Other General Questions and Answers...................................................................... 11 Websites to Help you Learn More About Bankruptcy ................................................. 14 Summary .................................................................................................................... 15 Information-Gathering Forms for the preparation of Your Bankruptcy Petition .......... 19
87 Things You Need to Know Before Filing Bankruptcy

WHO WILL BENEFIT FROM THIS INFORMATION This ebook that you downloaded from the internet is dedicated to helping the following types of people: (a) Consumers people who are interested in learning more about bankruptcy and/or interested in filing their own bankruptcy petition. (b) Paralegals legal professionals working for an attorney/boss who is considering offering bankruptcy services to clients and is unfamiliar with some of the basic procedures. (c) Attorneys legal professionals who do not normally offer bankruptcy services to clients, but are interested in doing so. The forms included in this ebook can be printed and used in your own law office as master intake interview forms for your own clients. OVERVIEW A person just doesnt wake up one morning and say, Hey, I think I will file bankruptcy today. Instead, it is normally a long process of worry, struggle and guilt before people reach this point. However, the decision to file bankruptcy is the legal right of every citizen in the United States. To give you a quick history lesson the bankruptcy law is derived from the same type of laws the Jewish nation enacted back in the Old Testament period. Every 7 years their debts would be forgiven and they could start fresh. (It was called the Year of Jubilee.) These laws were not enacted because the society wanted to be nice and sweet to people; it was done because they knew that keeping people under debt forever was not good for their society as a whole. By forgiving debts every 7 years, those experiencing the heavy burden of debt could now afford to put money back into the economy and hopefully stay out of debt so the problem did not occur again thereby causing the society as a whole to grow and prosper. Our United States government knows that if there is no way to forgive heavy, burdensome debts, many people will eventually end up on welfare just to survive, thereby raising taxes, causing high unemployment, effecting prices and causing other companies to go out of business because the majority of people couldnt afford to buy their products or much less, anything else even if they wanted to. This situation would eventually collapse the economy of our society. Therefore, dont believe everything your friends, neighbors and high-pressured debt relief companies tell you. Instead, read the information in this ebook and ask questions of competent bankruptcy attorneys who are available free of charge on the internet or through a group of legal professionals such as Pre-Paid Legal. (Most bankruptcy attorneys provide a free initial consultation, so feel free to consult with one about your particular financial situation who practices law in your state and jurisdiction.) Always remember that fear of the unknown is a natural reaction for human beings who are unsure about a subject. However, this ebook was written to take the fear out of the word bankruptcy. Most importantly, it will educate you so you can make a more informed decision about whether filing bankruptcy is in your best interest or not. Filing bankruptcy is not necessarily for everybody, as you will soon see; and after
87 Things You Need to Know Before You File Bankruptcy Page 2
reading this ebook, you will be in a better position to make an educated decision about your present financial condition. If you decide to go ahead with the process of filing bankruptcy, at least you will know what to expect after reading this ebook. FREE FORMS INCLUDED Beginning on Page 19 of this ebook, a complete set of intake interview forms are provided for you to print out, fill out and mail in at your convenience if you decide you want to file your own bankruptcy and have Victoria Ring prepare your official bankruptcy petition. You may also use them to sort out your financial situation or take with you to a free consultation with the attorney of your choice. Or, if you are an attorney or paralegal, you have the authors permission to print out the forms, remove Victorias name from them and use them for your own law office for your own clients. PAID SERVICES Victoria Ring is employed as a full-time bankruptcy paralegal for a medium-sized law firm in Columbus, Ohio. She has experience working on the debtor, as well as the creditor side of the fence, and is very knowledgable in many areas of bankruptcy. In an effort to give back to the legal community and to help the average consumer, Victoria provides pro bono services over the internet to low-income or no-asset individuals and families for a fee of $99.95. This fee is then donated or given back to the legal community and/or Christian organizations Victoria has chosen to support, depending on the current need. In this manner, Victoria Ring can remain bias and not violate any laws relating to the unauthorized practice of law, which is not her intention in any way.
HOW TO DETERMINE IF YOU SHOULD HIRE VICTORIA TO PREPARE YOUR BANKRUPTCY PETITION: As stated before, Victoria Ring is a bankruptcy paralegal. If she reviews your intake forms (included in this ebook) and determines that your case may require litigation that only an attorney can provide, she will return your intake forms and payment with a letter explaining why she has made this decision. The best way to determine if hiring Victoria as a bankruptcy paralegal to prepare your bankruptcy petition paperwork is by using the following guidelines: 1. Do you have less than $500 per month left after you pay your normal living expenses (rent, car payment, food, clothing, insurance and utilities)? 2. Do your debts mainly consist of credit cards, medical bills, repossessions, and/or wage garnishments? 3. Have you recently lost your job, or had a decrease in your normal income? 4. Have you recently divorced or separated from your spouse and the debts are too much for you to handle? However, if you own several automobiles with a market value of $1,500 or more each, own several properties, have a large amount in a 401K or other investment, own expensive furs and jewelry, or have collectibles, art and other items that have a high cash value I strongly urge you to seek the advice of a bankruptcy attorney in your area. (Check your local phone directory and call each one until you locate an attorney that specializes in bankruptcy law; preferably one that does nothing except debtor bankruptcy.)
The reason for this is because if you have a large amount of money in assets (items you own free and clear), you may be asked to have those items appraised and a portion of that money paid by you to satisfy some of the creditors you owe money to. In a situation like that, a good bankruptcy attorney can help you to protect more of your assets than a paralegal has power to do. But, regardless of your financial situation, I hope you enjoy reading this ebook because it will help you understand about bankruptcy. Then you can decide which direction is best for you to go in at this time. OnLine Information Visit the website of your local bankruptcy court, take the virtual consumer tour, read bankruptcy articles, questions and answers from consumers, purchase a training CD for your paralegal and a lot more. Visit: http://www.bankruptcyparalegalservices.com/
Short Resume of Victoria Ring

Summary of Skills:
Typing speed of 95-110 words per minute with 97% accuracy rate 22 years of part-time, full-time and independent contract experience with a variety of law firms 5 years of solid experience in bankruptcy law as a paralegal 19 years experience in administrative and office management, business operations, organization, communication and customer/employee relations Author and publisher of 17 booklets, 2 full-length videos and 6 training CDs. Seminar speaker and paralegal trainer for debtor bankruptcy topics.
Educational Background:
Constitutional Educational Research Foundation (CERF), Paralegal Certificate Ashworth College, Associates Degree in Paralegal Studies Columbus Business University, Major: Business Management, Minor: Accounting After graduation from Columbus Business University, was employed as instructor for the Secretarial Procedures class for 2 semesters.
Affiliations:
Columbus Bar Association, associate paralegal member since 2000. Paralegal Association of Central Ohio, served on the Board of Directors as editor of The Citator for one term. National Federation of Paralegal Associations. National Notary Association. Licensed as a Notary Public in the state of Ohio.
HOW HARD IS IT TO FILE BANKRUPTCY? Filing a bankruptcy petition is as simple as taking the original and four (4) copies of your entire bankruptcy petition to the Bankruptcy court in your area. You will simply walk up to the desk of the Clerk of Court, hand him/her your paperwork and pay the required filing fee. (Chapter 7, $200; Chapter 13, $185.) The Clerk will look through your petition to make sure you have all the papers in order. He/she will then place them into a machine that stamps the current date and time. (Some smaller courts use a hand stamp and others use a rubber stamp and hand write the date and time on the blank line.) The Clerk will keep the original and 2-3 copies for their own use. They will hand you back the extra copies for you to keep and make copies of (if needed) by creditors who request it. A Judge will also be assigned to your case at this time. The whole process of filing your own bankruptcy petition normally only takes about 10 minutes to complete (about the same amount of time it takes to renew your drivers license.) But the very moment your bankruptcy petition is stamped with the date and time by the Bankruptcy Court, you have just put into effect a type of umbrella for yourself. This is called the bankruptcy stay law. What this means is that: 1. Any company or person(s) you owe money to is not permitted to contact you in any way (once they receive notice in the mail from the court) without petitioning the Bankruptcy Court to remove the bankruptcy stay (which you would have advance notice of, if it occurred, and be allowed time to answer the motion.)
2. Any wage garnishments taken out of your check will cease to be lawful. If the garnishment is taken out of your check after you file bankruptcy you may be entitled to a refund. 3. Any foreclosure or replevin action currently taking place on your home or other real property is stopped. Money judgments cannot be collected from you but the creditor may petition the court to remove the bankruptcy stay (depending on the circumstance) in order to try and repossess the home or piece of real property. 4. Any Sheriffs sales are stopped immediately. 5. Any taxes you owe that are currently being collected on by the government are put on hold (while your debts are being reorganized.) 6. Any individual or company who is in the process of repossessing your auto, boat, furniture, appliances, or anything else you own are stopped immediately and they cannot remove anything without the Bankruptcy Courts permission. SOME TERMS YOU NEED TO KNOW CONCERNING BANKRUPTCY 7. Creditor This is the person or company you owe money to because they extended credit to you. Debtor This is YOU. You owe 8. debts, so you are a debtor. 9. Secured Debt This is a debt you owe for an item that could be taken away from you if you dont pay the bill. For instance, if you dont make your house payment, the creditor (or bank) you owe can repossess your house.
10. Unsecured Debt This is a debt you owe for something that cannot be taken from you. For instance, anything you charge on a credit card is an unsecured debt. If you dont pay the MasterCard bill this month, they cannot come and take whatever you bought with the credit card. All they can do is harass you on the telephone until you pay the bill, turn the bill over to a collection agency, or attempt to get a judgement against you (depending on the amount you owe them.) 11. Asset This is something you own that has resale value. Your car, TV set, computer, stocks, bonds, bank accounts, piggy bank, clothes, bed, etc. are all things that have some type of value that could be turned into cash. These types of things are your assets. 12. Discharge This is what happens when your debts are erased and you have completed your bankruptcy. 13. Exemption There are exemption allowances allowed by the Bankruptcy Court to protect the assets you own that you need to keep in order to live a normal life. For instance, you need a house to live in, a car to drive, transportation to maintain the car, clothes to wear, medicine refills, personal care items, etc. The law allows you to keep these types of items by allowing you exemptions on them. Each state has its own exemption allowances. However, when anything you own is totally exempt from the bankruptcy, no one can take it away from you. 14. Automatic Stay We covered this before, but to reinterate, the moment a bankruptcy is filed, all creditor activity to collect debts, obtain judgments, or obtain property of a debtor to satisfy a debt is completed stopped. This is the protection provided to you as a person or company under the Bankruptcy law in the United States.
15. Relief From Stay This is a court order, requested by a creditor, who asks the court to lift the Automatic Stay that was immediately put in place when you filed your bankruptcy petition. If a creditor is granted a Relief from Stay, the debtor (you) will receive notice from the court of its existence and the bankruptcy attorney can prepare a Motion on the debtors behalf to request the court to remove the Relief from Stay. (Of course, there must be a lawful reason to do so.) 16. Reaffirmation Agreement This is what you file with the court if you decide to pay a creditor outside your bankruptcy. For example, you may want to reaffirm with Bobs Auto Sales when you file your Chapter 7 bankruptcy petition, because you want to keep making payments on your car since you need it to get back and forth from work. The creditor (i.e., Bobs Auto Sales) will normally send you an Agreement to sign and mail back to them. In turn, they will sign it and send to the bankruptcy court for filing. This assures the creditor that they will receive all money you owe them. 17. Trustee This is a real live person that works for the Bankruptcy Court. When you attend your first hearing, you will meet the Trustee assigned to your case. He/she will review your bankruptcy petition, ask you some questions, ask questions of any creditors who may be present, and then tell you if he/she needs any additional documents from you before recommending your case for confirmation to the Judge. 18. Conversion This is when you start out by filing one chapter of bankruptcy and decide later to file another chapter. For example, you originally file a Chapter 7 but decide to convert to a Chapter 13.
19. Dismissal Among other things, your bankruptcy case can be dismissed at any time if you fail to comply to any rules, dont turn over asset monies that are requested by the Trustee or if you convert from one Chapter of bankruptcy to another. Your case is discharged if you completely pay off your Chapter 13 or when your Chapter 7 is legally finished. CHAPTER 7 BANKRUPTCY 20. In order to be eligible to file a Chapter 7 bankruptcy, you must be able to meet the following guidelines: You must reside or have a domicile, a place of business, or property in the United States. You must not have received a bankruptcy discharge within the last six (6) years or have had a bankruptcy case dismissed within the last 180 days. 21. People who file a Chapter 7 bankruptcy do so in order to discharge their debts and get a fresh start in life. There are no income requirements to file a Chapter 7 and people who file this type of bankruptcy are those who can no longer afford to repay all their debts due to illness, unemployment, marital problems, unexpected medical expenses, over-extended credit or other large expenses. However, not all debts can be discharged. For example, alimony, student loans, child support and taxes that are less than 3 years old are non-dischargeable and must be repaid in full. 22. Most consumers file a Chapter 7 bankruptcy and then reaffirm on the debts they want to continue paying. For instance, you can file a Chapter 7 and reaffirm on your house. This could possibly erase your other debts and you would continue making your house payments like you normally do now, outside the bankruptcy.
(Note: There is pending legislation currently being debated in Washington D.C. to change this law, making it harder for people to file a Chapter 7 and forcing them to file a Chapter 13, but the law has not been enacted as of the date this ebook is written.) CHAPTER 13 BANKRUPTCY 23. In order to be eligible to file a Chapter 13 bankruptcy, you must be able to meet these guidelines: You must reside or have a domicile, a place of business, or property in the United States. Have a steady source of income so that you can make regular payments to the Trustee. The total amount of your debts cannot exceed $750,000.00 and unsecured debts cannot be more than $250,000.00. 24. People who file a Chapter 13 bankruptcy do so in order to keep property in which a creditor has a lien like a house or car, or if payments are behind and the creditor is about to foreclose or repossess the property. The filing of a Chapter 13 will stop the foreclosure sale and allow the person 3 to 5 years to repay some, but not all of their debts. Rather than wiping out all their debts in a Chapter 7 proceeding, Chapter 13 allows a person to reorganize and pay a certain percentage of their debts over a period of 3 to 5 years. The unpaid balance is discharged after the payment plan is completed. Payments are made from each paycheck to the Chapter 13 Trustee, normally through employer wage deduction. 25. A Chapter 13 is NOT a bill consolidation loan, although many people look at it that way. Although it is a similar con-
cept, a bill consolidation loan is money actually loaned to you to repay other creditors and you in turn pay back the lender. In a Chapter 13, no money is loaned to you because you make your monthly payments to the Bankruptcy Trustee, who disburses the money among your creditors. No money is loaned to you. 26. Your priority claims are paid first in a Chapter 13. Priority claims include debts for things like taxes, child support, etc. 27. The amount you owe unsecured creditors, like medical bills, credit cards, etc. can normally be paid back as low as 10 on the dollar. (This figure is not written in stone. It is subject to change depending on your individual State laws, type of debt it is, as well as the income and budget of the debtor.) 28. You are allowed to keep your home, car and everything else you own when you file a Chapter 13 as long as you make regular payments to the Chapter 13 Trustee. 29. Your attorney or paralegal will also file a Chapter 13 Plan with your bankruptcy petition that details the amount of your monthly payments and the length of time you are going to be in the Chapter 13 Plan. 30. This amount you pay each month to the Trustee is determined by the amount of money you currently make and how much money you need to live on each month. A good Chapter 13 bankruptcy attorney or his paralegal is skilled at balancing these two figures so you can easily afford the Chapter 13 payment each month. It is not to the advantage of the attorney or paralegal to give you a payment you cant afford. This would cause problems later down the road. So dont be afraid that your payment will be too high for you to afford. CHANGES IN PAYMENTS DURING A CHAPTER 13 BANKRUPTCY
31. Nothing stays the same. During the 3-5 years that you are making regular payments to the Chapter 13 Trustee anything could happen. You may lose your job. Your spouse may lose their job. You may have a new baby, which brings on added expenses. You may inherit some money. Your old car may conk out and you will have to replace it in order to continue getting back and forth to work. In fact a million different things could happen, which means your Chapter 13 payment can be lowered or raised depending on the circumstance. For most people, when something occurs where they cannot make a Chapter 13 payment one month, will simply not pay it. This is a very bad idea. All you need to do is contact your attorney and ask them to file a Motion to Modify the Chapter 13 Plan. You will need to go to their office and supply the attorney with new, updated income and budget information, which explains why you cannot make your normal Chapter 13 payment. It will take a couple of months to get all the paperwork approved through court, but it will save you from defaulting on your Chapter 13 payments. 32. If you need to go into debt and purchase something on credit while you are going through a Chapter 13 bankruptcy, your attorney can file a Motion to Incur Debt for you. This will allow you the needed money to purchase the item. (Example: Sell one car and purchase another one.) CHAPTER 11 BANKRUPTCY 33. Chapter 11 is similar to a Chapter 13, but it is used by larger businesses or individuals with a large amount of assets or debts that exceed one million dollars. In a Chapter 11 bankruptcy you are allowed to still operate your business but your creditors and the court must approve a plan to repay your debts. There is no Trustee
unless the judge decides that one is necessary; however, if one is appointed to a Chapter 11 case, the Trustee will take control of the business and property. (Note: I will not be covering Chapter 11 in this ebook because most consumers file a Chapter 7 or Chapter 13 bankruptcy. Please consult with an attorney if you are interested in filing a Chapter 11.) STEPS THAT OCCUR FOR EITHER A CHAPTER 7 OR CHAPTER 13 BANKRUPTCY 34. The Bankruptcy Court will send a notice to all the creditors listed on your creditors matrix (people/companies you owe money to.) This notice is normally mailed out 5 days after you file your petition. 35. If you owe any secured creditors (mortgage company, automobiles, furniture stores, etc) you are required to notify them yourself. This is done by making a copy of the Certificate of Service and Statement of Intentions (two legal papers included in your bankruptcy petition) and mailing them directly to the creditor with a copy of your Voluntary Petition (2 pages.) You must notify them immediately after filing your petition, hopefully before the Bankruptcy Court notifies them through normal process. 36. The Bankruptcy Court will also normally mail you a notice informing you that you are eligible to file bankruptcy. Do not be confused. You dont have to do anything with this notice but keep it in your personal file and wait on the notice that tells you the date and time of your first hearing (see below.) 37. The Bankruptcy Court will then send all your creditors, including you, a notice informing you of the hearing date when you should appear in court. This hearing is often referred to as the Meeting of Creditors or 341 Meeting.
38. At your Meeting of Creditors a judge is normally never present. Instead, the Trustee will ask you some of the same questions you answered when you first filled out the paperwork for the attorney or paralegal. You may be asked to provide him/her with copies of your tax returns, bank statements, titles to motor vehicles, an appraisal of your home (if you own one) along with a recorded mortgage and deed; or the Trustee may be satisfied with your detailed bankruptcy petition and not request anything. 39. In actual practice, creditors rarely appear at these hearings; however, a representative from one of the companies you owe, or a person you owe, may show up at this meeting. They normally only appear to ask where the secure item is and if it is insured. Normally, their conversation is with the Trustee only, not you. 40. If your bankruptcy case is a no asset Chapter 7 bankruptcy, and if your bankruptcy petition is detailed and provides all the information the Trustee requires, this meeting (hearing) will normally only last 510 minutes. Remember, you are not going to court because you committed a crime and have to appear in front of a judge. Filing for bankruptcy was a voluntary choice you made. You have committed no crime unless you fraudulently attempt some criminal act such as hiding your assets, committed tax fraud, etc. OTHER FACTS YOU NEED TO KNOW 41. Any debts you make AFTER you file your bankruptcy petition cannot be included in your bankruptcy. 42. Any debts you made BEFORE you filed your bankruptcy petition, but forgot to include when you filed, can be added by your attorney or by filing an Amendment with the Bankruptcy Court.
43. After your bankruptcy is over and the creditors have been satisfied, any lien you have is not automatically removed from your property. An attorney will need to be hired to remove the lien. 44. Never make the mistake of running up debts on all your charge cards and then filing bankruptcy immediately thereafter. You could be held responsible for any charges you made within the last ninety (90) days if these expenses were not necessary for your day-to-day living expenses. DEBTS THAT CANNOT BE DISCHARGED 45. Some of the debts you owe cannot be forgiven in bankruptcy and will need to be repaid by you. Even if the debt is included in your original bankruptcy petition, any unpaid balance must be paid by you when the bankruptcy is over. The types of debts I am referring to include, but are not limited to the following: credit obtained by false pretenses or acts of fraud; all taxes, customs or duties; debts owed for fines and penalties to another government unit; student loans; child or spousal support; luxury items valued at $500 or more that were purchased sixty (60) days from the date you filed your original bankruptcy petition; cash advances of $1,000 or more that were made within sixty (60) days from the date you filed your original bankruptcy petition; debts made due to an act of embezzlement or larceny; debts owed a party where you maliciously caused injury to another; debts owed for the death or personal injury while intoxicated by drugs or alcohol.
THE FIRST STEPS IN PREPARING TO FILE A BANKRUPTCY PETITION 46. Take a file folder and put a statement from every creditor that you owe in it. If you dont receive a monthly statement from the creditor, put the following information on a sheet of paper about the debt and place it in your file: Name and complete mailing address of who you owe; Your account number (if applicable); The name of who owes the debt (husband, wife or both); The total amount you owe this creditor; How much your monthly payments are; The date you originally went into debt with this creditor. (If you cant remember the exact date, just an approximate year [i.e., 2001, 2002, 2003, etc.] will do); If the debt is for a credit card, record the last date you charged on this credit card. If you charged less than 90 days ago, you need to write down the amount you charged and the reason for the purchase.) 47. In the same file folder, also put in the following documents: Your current paycheck stubs; If you are unemployed, include copies of documents showing any income you receive(d) from unemployment, workers compensation, child support, SSI, social security, retirement, estate, etc. Mortgage and deed if you own or are purchasing a home or other real property (i.e., land, apartment complex, etc.); Copies of your car, boat, motorcycle, mobile home or other titles to motor vehicles;
Copies of your tax returns; Copies of any court proceedings filed against you; 48. When you have put together your file, you will have most of the information needed to file a bankruptcy petition. You can now start completing the forms that are included in the back section of this ebook and/or make an appointment with an attorney in your area to discuss your options. 49. The information you supply on the intake forms (included in this ebook) are then entered in a correct legal manner into a set of forms called a bankruptcy petition. A bankruptcy petition includes such documents as: Voluntary Petition, Summary of Schedules, actual Schedules, Forms, Statement of Intentions, Creditors Matrix, etc. Each Schedule and Form in your bankruptcy petition relates to different items that must be filled out properly. Normally people choose to hire an attorney to prepare their bankruptcy petition, but some people hire independent paralegals, and some people purchase bankruptcy kits and attempt to do it themselves. Note: Unless you are familiar with the bankruptcy law, the average consumer cannot properly complete a bankruptcy petition. Besides, it is dangerous to attempt to do so. If you dont know the difference between real property and personal property for instance, or the legal codes for exemption allowances (Schedule C) you could lose everything you own and put yourself in a living condition much worse than you are in right now. 50. If you decide to hire an attorney, try to find someone who specializes in the field of bankruptcy. In other words, your best choice for an attorney is one who does nothing else but specialize in bankruptcy law exclusively. You will probably also find bankruptcy attorneys that also do divorce, wills, probate, and DUI; but if given a choice
between the two chose the attorney who specializes in bankruptcy. 51. Calling around to different attorney offices and asking them what they charge to file a bankruptcy is NOT the most efficient method of locating a good bankruptcy attorney. Attorneys who advertise cheap prices for filing bankruptcy petitions in your daily newspaper, often do not file all the schedules and forms at one time (which is perfectly legal) and will charge you additional money to file the rest of the petition within the 20-30 day allowance. After being nickel-and-dimed to death, you normally pay more money to this attorney than if you just hired a higher-priced attorney in the first place. 52. The best way to locate a good bankruptcy attorney is to first determine if they specialize in bankruptcy. If you cannot locate someone in your area that specializes solely in bankruptcy, then choose an attorney who has been in the practice for at least five (5) years or more. (Just call your local Bar Association and ask for a referral.) 53. You can choose to hire a bankruptcy paralegal, like Victoria Ring, to prepare your bankruptcy petition paperwork for you so that you can file the petition yourself with the bankruptcy court, attend the 2 short hearings and represent yourself without paying additional attorney fees. 54. You can purchase a bankruptcy do-it-yourself kit but unless you know how to prepare the bankruptcy petition in a manner to present to the court, these kits will do absolutely nothing for you except give you some practice at filling out forms. HOW YOUR CREDIT WILL BE EFFECTED BY FILING BANKRUPTCY 55. If you are currently behind in paying your bills, your credit is already
effected. Filing a bankruptcy may actually be your first step in repairing a bad credit situation. When a creditor finds a bankruptcy on your credit report, it shows them that all prior credit problems have been resolved. The question then becomes, Are you creditworthy? 56. Every creditor is different and each one treats bankruptcy with a different set of rules for determining your creditworthiness. Although there are many exceptions, normally a creditor likes to see how well you do in paying your bills during the first year or two after filing bankruptcy before they extend new credit to you. So although a Chapter 7 bankruptcy appears on your credit report for ten (10) years, and a Chapter 13 appears for seven (7) years, most people only find it to be a problem for a couple of years after filing provided everything else looks good on their current credit report. 57. In addition, there are 1,000s of creditors who extend credit to people who have filed bankruptcy. The interest rates are normally higher, of course, but you can obtain credit easily with one or more of them. One of the best ways to build your credit after bankruptcy is to obtain a secured credit card. This is one where you put money in a bank and the bank issues you a credit card. The credit limit of the credit card will be the same amount of money you have in their bank. After you have shown that you make timely payments, your credit line may be increased without you depositing any more money. 58. However, the fact remains one of the main reasons for filing bankruptcy is to get OUT of debt not back into it. You should take responsibility for your own financial spending and saving, making sure not to get to the point where you have to file another bankruptcy. Once you experience total freedom of paying for things you want to buy,
and owning them free and clear you will enjoy life more and grow as a human being. About the only items the average American really needs to go into debt for is an automobile for transportation and a home for their family to live in. Everything else should be purchased out of the monthly income, or saved for and purchased in full. The only reason Americans are in debt is because they want it now! and dont have the patience to wait. OTHER GENERAL QUESTIONS AND ANSWERS 59. If I am married, does my spouse have to file bankruptcy? No, however the spouse that does not file will not receive the benefits of bankruptcy. In other words, if the non-filing spouse is jointly liable on certain debts, he or she will remain liable for those debts if the filing spouse filed for a Chapter 7 bankruptcy. He or she will also remain liable for any amount not paid for in the filing spouses Chapter 13 plan. On the other hand, the non-filing spouse will not have bankruptcy noted on his or her credit report. Therefore, if the debts you owe are also owed by your spouse, or co-signed by your spouse, it would be to your benefit to file a bankruptcy together as a married couple. If most of the debts are in your name only, you may consider filing a bankruptcy as the only debtor. If you live in a community property state Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington or Wisconsin most property is equally owned by both husband and wife regardless of the name of the person on the title or mortgage. 60. What if I am unmarried but living
with someone? Can we file a bankruptcy together? No. If you are living together with a significant other but are legally unmarried, you cannot file a bankruptcy together, even if the bills are in both your names. In this case, each one of you would have to file separate bankruptcy petition. A competent attorney or paralegal can separate the expenses and budget so that each of you pay 50% of the day-to-day living expenses (if both of you share the expenses) and submit the information properly to the court. In addition, if you are separated from your legal spouse, your bankruptcy petition can be prepared showing two separate living expenses for each person. 61. Will bankruptcy stop a wage garnishment? Yes, some of the money garnished from your paycheck may even be returned to you. It all depends on how much was garnished and when it was garnished. If your wages are currently being garnisheed, a Notification of Stay pleading needs to be filed in court as well as a letter mailed to the creditor and your employer to stop the garnishment after your bankruptcy petition is filed. Stopping a wage garnishment is possible because whomever you owe that is garnishing your check is now being paid (or is being discharged) through the bankruptcy petition you filed. As soon as the clerk file stamps your bankruptcy petition, you have immediate protection under the United States Bankruptcy Court and every creditor you owe must proceed through this court to collect anything from you. 62. How can I immediately stop creditor harassment? The filing of a bankruptcy under Chapter 7 or Chapter 13 will IMMEDIATELY bring the harassment caused by creditors to a
HALT. Once your bankruptcy has been filed, creditors are forbidden from taking action against you or against your property to collect money you owe them. If they try to do so, they can be held in contempt of court. This is the advantage of the law, administered by the United States Bankruptcy Court, and provided as a way to help citizens get another chance. Even if there is a wage garnishment or other legal proceeding under way, the filing of a bankruptcy will bring it to a screeching halt, giving you the opportunity to take care of your financial affairs in an orderly and permanent way. 63. What if I owe the IRS back taxes? How will bankruptcy help me? Most tax debts cannot be discharged in a bankruptcy. Trust funds and withholding taxes you owe, such as sales taxes or employee withholding obligations can never be discharged. However, income and self-employment taxes can be discharged if they are at least three (3) years old and the tax returns have been on file for at least two (2) years. In situations like this, a bankruptcy can be a great help in many ways. The biggest benefit is that you may be able to reduce the amount of the tax you owe. In a Debt Adjustment Plan, you can also stop interest and penalties on all taxes you owe even the ones that are non-dischargable. This will place you in a situation where it will be easier to pay your taxes off. 64. How much does it cost to file bankruptcy? At the present time, the court will charge you $200.00 to file a Chapter 7 bankruptcy petition and $185.00 to file a Chapter 13, regardless of which state you live in.
65.
When does a bankruptcy take effect?
When the Clerk of Court receives your bankruptcy petition and date/time stamps it, your bankruptcy is immediately effective. The Court sends notice of your filing to all of your creditors and bill collectors generally within 24-48 hours after filing. That is why it is so vitally important to include complete addresses and zip codes of all the people you owe on your bankruptcy petition. The court will send a copy of your petition to all these creditors so they will stop harassing you. If those addresses are not correct, the creditor wont know you filed bankruptcy and will continue to harass you. It is also important to list all the collection agency addresses so they can be notified as well. Upon receipt of the notice of your filing, creditors and bills collectors are prohibited from having contact with you. If you should receive any harassing or annoying creditor calls after filing your bankruptcy petition, a letter can be mailed to the creditor which spells out Section 362 of the Bankruptcy Code (Automatic Stay.) This letter prohibits the creditor from contacting you again or risk being held in contempt of court. 66. I feel so guilty not being able to pay my bills. Am I a bad person because I need to file bankruptcy? You are NOT a bad person because you decide to file for bankruptcy. Back in the old days (pre 1900), if a person went bankrupt, creditors stepped in, sold everything the person owned, split the money between themselves, put the bankrupt person out in the street and make a public mockery of them. Therefore, this is why people who have not kept up with the times, still feel that bankruptcy is a bad thing to do. But that was over 150 years ago! The economy has changed, employers have changed, life is more complicated, interest rates are higher than they have ever been in history and the
money you make doesnt reach as far as it used to just five years ago. Any one of these factors could cause a good person who was responsible and financially secure, to suddenly consider filing bankruptcy. Not one of us is immune from the worlds problems. So if there comes a point in your life where you find it necessary to take advantage of the bankruptcy law, dont look back. Meet the problem head on, clear it up and get over it. In fact, you should be glad the United States has set up a governing body to protect people like you and me so we can continue to survive in times of great financial burden. 67. Is it legal for me to file my own bankruptcy petition? It is perfectly legal in all 50 states to file your own bankruptcy petition. Dont allow anyone to tell you otherwise. To prove it, on the 2nd page of the Voluntary Petition that you file in court, there is a signature area for a non-attorney bankruptcy petition preparer to sign. There is also a statement that appears below your signature line that reads: "Debtor not represented by an attorney." If it were not legal to file your own bankruptcy petition, then why would the Federal Government put this directly on their forms? In other words, it is just as legal for you to file your own voluntary bankruptcy petition as it is for you to get your drivers license renewed. Therefore, don't let anyone tell you otherwise. 68. What about filing bankruptcy on bad checks I wrote at check-cashing agencies? Can I include them? First of all, you should include ALL the debts you owe, regardless of who or what they are for on your bankruptcy petition. However, you need to understand something about check-cashing agencies.
Believe it or not -- when you walk into the corner check-cashing store, write them a post-dated check and they give you cash, a bounced check is not considered to be the same thing as writing a bad check. How could this be? Because the person at the check-cashing store is fully aware of the fact that the check you are giving them is postdated. That means, that at the time you are writing the check, the check-cashing agency is aware the check is bad. You make a promise that the check will be good on a certain date. If you break that promise you still owe the debt but it is treated as unsecure rather than a criminal act of check fraud. However, if you go to several check-cashing agencies and get cash advances against the same payroll check; you are committing fraud if you obtain one or more cash advances that amount to more than your check will cover. 69. Will I lose any of my personal belongings or household goods when I file bankruptcy? If you are filing a Chapter 13 bankruptcy and paying back your creditors 100% of the debt you owe them, the Trustee at the Bankruptcy Court will not take any of your personal belongings or household goods and sell them to pay your debts. If you are filing a Chapter 7 bankruptcy, the only way you could lose any personal belongings or household goods is if any of the following is true: You do not totally own the personal belongings or household goods because you are still making payments on them. (Example: furniture and appliances you purchased at a rent-to-own store.) In this case, if you want to keep the item, you can "reaffirm" the debt if you have enough money per month to keep
paying the bill and are current on your payments. Otherwise, you may want to surrender the item, which does not necessarily mean it will be repossessed. It depends on the market value of the item and how the individual company handles repossessions on bankruptcy claims. or If the personal belonging or household good is not covered by an exemption, that item could be sold by the Trustee and distributed to your creditors. But, don't be alarmed by this statement. Most average consumers filing a Chapter 7 normally do not have more than one or two motor vehicles, television set, computer, stove, refrigerator and some miscellaneous costume jewelry. People in this type of financial situation, normally do not need to worry about losing anything they own because everything they own is exempted. WEBSITES TO HELP YOU LEARN MORE ABOUT BANKRUPTCY 70. http://www.attorneyfind.com/ Find an attorney in your local area. 72. http://www.bankruptcyassets. com/mainpage.cfm Get great deals on real estate, motor vehicles and other assets available from bankruptcy sales. 73. http://www.agin.com/bkfaq/ Frequently asked bankruptcy questions by the average first-time filer. 74. http://www.freeadvice.com/law/ 506us.htm Ask questions about bankruptcy law from participating attorneys all over the United States. 75. http://bankruptcy-law.free
advice.com/ This site lists a long list of questions and answers about bankruptcy to help consumers. 76. http://www.myguidehub.com/ bankruptcy/ The Bankruptcy Guide. This wealth of information website is specifically for consumers filing bankruptcy. 77. http://www.uscourts.gov/ bankform/ Official Bankruptcy Forms. See what you get in most kits you pay $19.95+ for. 78. http://www.kbb.com/ Kelley Blue Book online. Check and see what the market value is on your own motor vehicles. 79. http://www.wwlia.org/diction.htm Online legal dictionary to look up legal words you dont understand. 80. http://www.usparalegal.com/ Contains over 5,000 legal forms with questions and answers to common legal questions. 81. http://www.bankruptcydata.com/ Courts/Courts.htm Find your local Bankruptcy Courts address and telephone number. 82. http://www4.law.cornell.edu/ uscode/11/ The Bankruptcy Code online. 83. http://law.chapter7.com/ Chapter 7 help center. 84. http://findlaw.com/01topics/ 03bankruptcy/ Findlaws resources for bankruptcy. 85. http://www.nolo.com/category/ dc_home.html Nolo debt and bankruptcy reference.
86. http://www.debtworkout.com/ states2.html Look up your local states exemption allowances to help determine how much of your real and personal property may be exempted on Schedule C of your bankruptcy petition. 87. http://www.bankruptcypara legalservices.com This is the website of the author of this ebook. It is updated weekly and contains a growing amount of information to help you understand or increase your knowledge about bankruptcy. SUMMARY Dont allow debt to destroy your life, make you miserable or break up your happy home. Instead, reach out and review the best direction for you to solve your problem. You have the opportunity to take charge of your financial situation and may be able to obtain some relief, which is legally offered to you by the United States Bankruptcy Court. Do not hesitate to contact me if I can help you in any way. Victoria Ring Bankruptcy Paralegal 614-486-7642
IMPORTANT PLEASE READ AND SIGN!!

The following pages contain the initial intake interview forms you will need to complete in order to have a bankruptcy petition preparer obtain the necessary information necessary to prepare your bankruptcy petition for filing with the Bankruptcy Court in your area. DO NOT ATTEMPT TO FILE THESE FORMS WITH ANY COURT. These forms are strictly for the use of obtaining information about your current assets, and liabilities in order to prepare your bankruptcy petition to present the court with an accurate and true account of your present financial status. Confidentiality Maintained. The information you provide in these forms is NOT shared with any other person(s) other than Victoria Ring or unless Court-ordered to prove the validity of your claims. After your petition is prepared, the information you supply on these forms is used to correctly enter onto the actual bankruptcy petition. The bankruptcy petition (that will be mailed to you by Priority Mail) is the document you will file with the Bankruptcy Court in your jurisdiction. How to Get Started: The forms that appear on the next several pages need to be filled out ENTIRELY. Simply print them out on any printer, fill them out and sign where indicated. Make sure you answer every yes and no question by checking one appropriate box. Feel free to provide additional information about any debt or asset if needed on the back of the page. Any information you do not provide will only cause the delay in processing your bankruptcy petition. What happens next? When you have completely filled out your forms, be sure and look them over for accuracy and make sure that ALL the information is provided. If you dont know the answer, such as you cannot remember when you first obtained a credit card
account, provide a year (within a 2-3 year period); such as 1980, 1985, 1990 or 1995. The purpose here is to show the Court that you did not obtain this credit card within the last ninety (90) days, create a credit debt and then file bankruptcy. After your petition has been prepared, Victoria will mail you back the petition along with a personal letter. This letter will contain step-by-step instructions for filing your bankruptcy petition with the court, what to expect at your 341 Meeting of Creditors and Confirmation Hearing. You also have the ability to call or email Victoria personally if you have any questions about the process. Yes, Victoria provides client support after the sale, so do not hesitate to use this free service. Service Guarantee: As you are aware, Victoria Ring is a Bankruptcy Paralegal. She does not and cannot take the place of an attorney. Her service guarantee covers the preparation of your bankruptcy petition. Contact Information: Victoria Ring, Paralegal 1601 W Fifth Ave #123 Columbus, Ohio 43212-2303 24-Hour Voice Mail: 614-486-7642 email: victoria@victoriaring.com http://www.bankruptcyparalegalservices.com
PLEASE SIGN BELOW

I state that I/we have read this instruction page and fully understand and agree with the contents.
Debtor #1 Debtor #2 (if applicable) Message from Victoria Ring: Thank you for choosing to utilize my services to prepare your bankruptcy petition. Please understand that I provide this service as a pro bono effort to help low-income individuals and families. The $99.95 fee you pay is donated back to the legal community and is not intended as a business income for Victoria Ring.
GENERAL INFORMATION
Referred by:
Please fill out ALL the information requested in these forms. If a question or section does NOT apply to you, write N/A in the space. (N/A means not applicable.) The more information you provide in these forms, the faster your bankruptcy petition can be prepared and mailed back to you for filing. There will be a delay if Victoria needs to call you to verify or obtain more information concerning a specific debt or creditor; so please try to provide as much detail as you can and fill in ALL the information requested. Thank you.
Name, First Social Security Number Street Address City County of Residence Home Phone Email address SPOUSE, First Name Social Security Number Address (if living separately) City
Middle (spell out)
Last Date of Birth
State Length of Time at This Address Other Phone
Zip
Middle (spell out)
Last Date of Birth
State
Zip
DEPENDENTS
Name 1. 2. 3. 4. Have you ever filed bankruptcy before? Yes No If yes, what year? Yes No Monthly Amt? Age Relationship to You Is this person/child living with you? YES YES YES YES NO NO NO NO
Are you paying or receiving any alimony or support money?
Has either you or your spouse been known by any other name during the past 6 years? (Example: maiden name, last name from previous marriage, legal name change, etc.) Yes No If yes, write the NAME and DATE(S) USED below: Name Used Name Used Dates Used Dates Used thru thru
http://www.bankruptcyparalegalservices.com -- Fill out entirely and mail with your forms preparation fee of $99.95 to: Victoria Ring, Bankruptcy Paralegal, 1601 W Fifth Ave #123, Columbus OH 43212-2303 (614) 486-7642
YOUR REAL ESTATE

Do you own or are you buying real estate? If so, check type: House Mobile Home YES NO Other Condominium
Please fill out the following information: Month/Year you purchased real estate: Name on Deed or Title Address of Real Estate What company do you pay your mortgage payment to? Address City What are the monthly payments? What year was your real estate last appraised? Are you behind in payments? YES State Zip How much do you still owe on this loan? What was the appraised value? NO If so, what months?
Briefly describe your real estate (number of bedrooms, baths, if land is attached, etc) Do you have a second mortgage on the real estate? Address City State Zip KEEP SURRENDER Do you want to keep this real estate or surrender it in your bankruptcy? Name of Collector or Attorney Address City State YES NO Zip NO Is this real estate in the process of foreclosure or replevin action? If so, provide Case Number from Complaint (court document): Do you own or are you purchasing any other real estate? description of real estate and address: YES If so, provide details such as type (i.e., vacation home, rental unit, etc), income received per month (if rented), YES NO
If so, what company do you pay your second mortgage to?
If you are behind in payments on your real estate, provide collector and/or attorney information below:
YOUR HOUSEHOLD INVENTORY

Please check the items below that you currently have in your home. Then, provide the YARD SALE VALUE of each item -not the replacement cost.
Yard Sale Value
Stove/Cooking Unit $ ________________ Refrigerator $ ________________ Washer/Dryer $ ________________ Microwave $ ________________ Cooking Utensils $ ________________ Silverware/Flatware $ ________________ Cookware (Pots/Pans) $ ________________ Living Room Furniture $ ________________ Dining Room Furniture $ ________________ Tables and Chairs $ ________________ Televisions(s) $ ________________ VCR(s) $ ________________ DVD(s) $ ________________ Compact Disks $ ________________ All Other Stereo Equipment $ ________________ Describe item(s): __________________________ ________________________________________ Bedroom Furniture $ ________________ Dressers/Nightstands $ ________________ Lamps and Accessories $ ________________ Wedding Rings $ ________________ Other Jewelry $ ________________ Describe item(s): __________________________ ________________________________________ Furs $ ________________ Computer(s) $ ________________ Computer Printers $ ________________ Desks/Office Furniture $ ________________ Other Computer Equipment $ ________________ Describe item(s): __________________________ ________________________________________ Photography Equipment $ ________________ Satellite Disks $ ________________ All Clothing $ ________________ (including shoes, coats, hats, etc.) Collectibles $ ________________ Describe item(s): __________________________ ________________________________________
Paintings/Art $ ________________ Describe item(s): __________________________ ________________________________________ Carpenters Tools $ ________________ Describe item(s): __________________________ ________________________________________ Mechanics Tools $ ________________ Describe item(s): __________________________ ________________________________________ Guns and Firearms $ ________________ Describe item(s): __________________________ ________________________________________ Lawnmower $ ________________ Boats $ ________________ Trailers $ ________________ Campers $ ________________ Yard Tools/Equipment $ ________________ Swimming Pool $ ________________ Cell Phones $ ________________ OTHER ASSETS Rent deposit with landlord $ ________________ Name of Landlord _________________________ Address _________________________________ City _____________State _____ Zip __________ Government Bonds $ ________________ Certificate of Deposits $ ________________ Copyrights/Patents $ ________________ Aircraft $ ________________ ____________________ $ ________________ ____________________ $ ________________ ____________________ $ ________________ ____________________ $ ________________ ____________________ $ ________________ ____________________ $ ________________ ____________________ $ ________________ ____________________ $ ________________ ____________________ $ ________________ ____________________ $ ________________ ____________________ $ ________________
YOUR MOTOR VEHICLES

Motor vehicles include cars, trucks, SUVs, motorcycles, mobile homes, boats, trailers, campers, etc. A Kelley Blue Book value will be obtained to determine market value and be incorporated into your bankruptcy petition. Type: Make Condition Whos name is on the title to this vehicle? Do you make payments on this vehicle? What are your monthly payments? YES NO If yes, who? Is vehicle leased? YES NO Automobile Truck Motorcycle Model Mileage Mobile Home Other: Year
Remember to list all motor vehicle debts on debt sheets.

Type: Make Condition Whos name is on the title to this vehicle? Do you make payments on this vehicle? What are your monthly payments? YES NO If yes, who? Is vehicle leased? YES NO Automobile Truck Motorcycle Model Mileage Mobile Home Other: Year
Remember to list all motor vehicle debts on debt sheets.

Type: Make Condition Whos name is on the title to this vehicle? Do you make payments on this vehicle? What are your monthly payments? YES NO If yes, who? Is vehicle leased? YES NO Automobile Truck Motorcycle Model Mileage Mobile Home Other: Year
Type: Make
Automobile
Truck
Motorcycle Model
Mobile Home
Other: Year Mileage
Condition Whos name is on the title to this vehicle? Do you make payments on this vehicle? What are your monthly payments? YES NO If yes, who?
Is vehicle leased?
YES
NO
DEBT SHEET 1 OF 5
If you have more debts than these Debt Sheets provide room for, print out or make copies of this page. For every single debt that you owe, please provide the information below. If you do not know the creditors address, call them or look the address up in your telephone directory. A bankruptcy petition cannot be presented in court without having FULL ADDRESSES and ZIP CODES of every creditor. This is because the court must properly serve them a notice that you have filed bankruptcy by mail only. Thank you for your cooperation.
Name of Creditor Address City State Zip Total amount you owe $ Account Number Date originally obtained the debt Date last charged on this account Normal Monthly Payment Amount How many months are you behind? What is this debt for? (Medical, Credit Card, etc.) If car, state year, make and model: Whose name is the debt under? (Husband, Wife, Zip Both, or is it cosigned?) Total amount you owe $ Account Number Date originally obtained the debt Zip Date last charged on this account Normal Monthly Payment Amount How many months are you behind? What is this debt for? (Medical, Credit Card, etc.) If car, state year, make and model: Whose name is the debt under? (Husband, Wife, Zip Both, or is it cosigned?)
Has this debt been turned over to a collection agency? If so, provide their name and address below: Collection Agency Name Address City State Name of Creditor Address City State
Has this debt been turned over to a collection agency? If so, provide their name and address below: Collection Agency Name Address City State
Name of Creditor Address City State Zip
Total amount you owe $ Account Number Date originally obtained the debt Date last charged on this account Normal Monthly Payment Amount How many months are you behind? What is this debt for? (Medical, Credit Card, etc.) If car, state year, make and model: Whose name is the debt under? (Husband, Wife, Zip Both, or is it cosigned?)
DEBT SHEET 2 OF 5
DEBT SHEET 3 OF 5
DEBT SHEET 4 OF 5
DEBT SHEET 5 OF 5
INCOME HISTORY FOR YOU

Your Name as listed on your current paycheck stub: Year-to-Date Total from current paycheck stub? VERY IMPORTANT: Employers Name Address City, State, Zip Telephone Number Length of Time at This Job? Job Title (do not abbreviate) How often do you get paid? (circle or check one) every week bi-weekly (sometimes I get paid 3 times a month once a month semi-monthly (on the same 2 days of each month)
What is your average gross wages before deductions? How much average extra money do you receive in overtime and commissions per pay period? What is the total amount of taxes deducted (FICA, Federal, State, Local) from your paycheck? How much Insurance is deducted from your paycheck? How much do you pay in Alimony or Child Support if any? Are there any other deductions from your paycheck? YES How much in Union Dues? Are you court ordered to pay this? NO If yes, how much? YES NO
Gross Income in 2001
Years
Months
What amount do you normally take home per paycheck after all deductions? How much additional income do you make monthly from a business, flea market, etc? Monthly Income from real property (rentals) Monthly Alimony or Child Support received Monthly Government Assistance Monthly Public Assistance Other Income (Reason and amount received monthly)? Do you have a slow season at work or a regular lay off? Do you have a second job? YES NO YES NO If yes, what months? Monthly Interests and Dividends Monthly Social Security Monthly Food Stamps Monthly Pension or Retirement
If yes, name of employer:
Address City, State, Zip Telephone Number Length of Time at This Job? How often do you get paid? (check one) every week bi-weekly (sometimes I get paid 3 times a month once a month semi-monthly (on the same 2 days of each month)
What is your average gross wages before deductions? Do you receive any income from a home-based business? YES NO How much per month?
Job Title
INCOME HISTORY FOR YOUR SPOUSE IF FILING JOINTLY

Your Name as listed on your current paycheck stub: Year-to-Date Total from current paycheck stub? VERY IMPORTANT: Employers Name Address City, State, Zip Telephone Number Length of Time at This Job? Job Title (do not abbreviate) How often do you get paid? (circle or check one) every week bi-weekly (sometimes I get paid 3 times a month once a month semi-monthly (on the same 2 days of each month)
What is your average gross wages before deductions? How much average extra money do you receive in overtime and commissions per pay period? What is the total amount of taxes deducted (FICA, Federal, State, Local) from your paycheck? How much Insurance is deducted from your paycheck? How much do you pay in Alimony or Child Support if any? Are there any other deductions from your paycheck? YES How much in Union Dues? Are you court ordered to pay this? NO If yes, how much? YES NO
Years
Months
What amount do you normally take home per paycheck after all deductions? How much additional income do you make monthly from a business, flea market, etc? Monthly Income from real property (rentals) Monthly Alimony or Child Support received Monthly Government Assistance Monthly Public Assistance Other Income (Reason and amount received monthly)? Do you have a slow season at work or a regular lay off? Do you have a second job? YES NO YES NO If yes, what months? Monthly Interests and Dividends Monthly Social Security Monthly Food Stamps Monthly Pension or Retirement
If yes, name of employer:
Address City, State, Zip Telephone Number Length of Time at This Job? How often do you get paid? (check one) every week bi-weekly (sometimes I get paid 3 times a month once a month semi-monthly (on the same 2 days of each month)
What is your average gross wages before deductions? Do you receive any income from a home-based business? YES NO How much per month?
Job Title
HOME BASED BUSINESS OWNERS

If you have operated a business inside your home, or owned a small business that does not qualify for filing under Chapter 11 of the Bankruptcy Code, an Exhibit will be prepared for the Trustee overseeing your case. Please list below the normal income and expenses your business generated for an average month. If you did not have an average monthly income due to extreme highs and lows in your business, estimate your total yearly income and divide by 12 to get the average monthly income. Use the same method of determining your average monthly expenses and enter into the spaces below: Average monthly business income Did you withhold any earnings for tax purposes? If yes, how much did you withhold monthly? Average monthly business expenses (if applicable) Rent and utilities Office Supplies Product Supplies Wages Equipment Leases Other Business Leases Other Other Other Other Other Other Other Other Total Average Monthly Income Total Average Monthly Expenses Average Monthly Business Profit Did you file income taxes for the years you operated your business? If not, what years did you NOT file taxes?
$
Yes No
$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $
Yes No
MONTHLY BUDGET
This form is necessary to determine how much you spend each month on living expenses. Be sure to write in the MONTHLY (not weekly) amounts in the spaces below each expenditure. For utilities, your bill may be higher in the winter than in the summer, so write an amount that is average covering the whole 12 month period. Housing Expenses Rent (not mortgage) First Mortgage, rent or mobile home monthly payment Second mortgage (if applicable) Third mortgage (if applicable) Lot Payment (if applicable) Are real estate taxes included in your mortgage payment? Yes Is your home insurance included in your mortgage payment? Yes Taxes not included in house payment Utilities (Average monthly payment) Electricity and Gas Water Telephone (Basic Service) Trash Pick-Up Basic Needs Home Maintenance (home owners) Food (Monthly) Clothing (Monthly Expense) Laundry, dry cleaning, soap, etc. Transportation Gasoline Automobile maintenance Recreation, Entertainment Charitable Giving (if claimed on taxes) Insurance Homeowners or Renters Life Insurance (other than employer) Health Insurance (other than employer) Automobile Insurance Other Insurance $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ No No $_________ Other Expenses Alimony or Child Support Payments for someone outside your home Union Dues Professional Dues Child Care Expenses Babysitter/Day Care Expenses School Expenses School Lunch Expenses College Tuition (Not Loans) Student Loan Repayment Newspapers, Books, Magazines Personal Care Items Other Other $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ $_________ Taxes Are any other taxes deducted from your wages? If so, what type of taxes are they? $_________
Medical expenses not paid by insurance $_________
Use the space below to describe any additional monthly expenses that you must pay out of your pocket that are not covered here. Explain the type of expense, amount of expense and how long you will continue to have this expense:
STATEMENT OF AFFAIRS (1 of 9)
The following pages contain extremely IMPORTANT QUESTIONS, many of which will be asked you again by the Trustee when you attend your first hearing. Please take your time and go through every question thoroughly and provide as much detail as possible to the questions you answer yes to. Do you own, or are you buying real estate? Address/Description of Property Name of First Mortgage Company Address of Mortgage Company City, State and Zip Code Account Number Date Obtained Loan ber, January, etc.): Name of Second Mortgage Company Address of Mortgage Company City, State and Zip Code Account Number Date Obtained Loan Total Owed Monthly Payment If you are behind in payments, please provide the name of the months you are behind: (i.e., November, December, January, etc.): If you have a third or fourth mortgage company, list their information on the debt sheet and note what it is. Do you own, or are you buying any other real estate? Address/Description of Property Name of Mortgage Company Address of Mortgage Company City, State and Zip Code Account Number Date Obtained Loan Total Owed Monthly Payment If you are behind in payments, please provide the name of the months you are behind: (i.e., November, December, January, etc.): Do you share the ownership of any real property with another person, such as a co-tenancy or joint tenancy? (This does not apply to your spouse.) If so, provide details: Do you have a future interest in any real estate, such as putting money down on a property you have not purchased yet? If so, provide details: Do you own or are you buying a time-share in a vacation property or resort? If so, provide details: Yes No Total Owed Monthly Payment If you are behind in payments, please provide the name of the months you are behind: (i.e., November, DecemYes No
Yes
No
Yes Yes
No No
Do you own, or are you buying a mobile home? Address/Description of Property Name of Mortgage Company Address of Mortgage Company City, State and Zip Code Account Number Date Obtained Loan Total Owed Monthly Payment If you are behind in payments, please provide the name of the months you are behind: (i.e., November, December, January, etc.): Do you have a car, truck, motorcycle, boat or camper that doesnt run? Year, Make, Model of Vehicle Year, Make, Model of Vehicle Do you have a car, truck, motorcycle, boat or camper in your possession titled in someone elses name? Year, Make, Model of Vehicle Whose name is the motor vehicle titled to? What is this persons relationship to you? Are you buying any of your furniture or appliances with installment payments? Description of Item ** Remember to list the name, address and other information about this creditor on Debt Sheet. Are you renting-to-own any of your furniture or appliances? Description of Item ** Be sure to list the name, address and other information about this creditor on Debt Sheet. Have you gone to a loan company or bank and listed any of your furniture, appliances or personal possessions at the time you obtained the loan? Description of Item ** Be sure to list the name, address and other information about this creditor on Debt Sheet. Do you own or are you buying any tools or equipment that you use for your work? Description of Item Value of the item if sold at a flea market or yard sale
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
At present, do you have any inventory (stock in trade) that could be sold for $200 or more in profit? Description of Item Value of the item if sold at a flea market or yard sale Are you buying any jewelry with installment payments? Description of Item Value of the item if sold at a flea market or yard sale ** Be sure to list the name, address and other information about this creditor on Debt Sheet. Do you own any guns or other types of firearms? Description of Item Value of the item if sold at a flea market or yard sale Do you have any animals, livestock or pets you could sell for $200 or more? Description of Animal(s) Value of the animals if you had to sell them Do you have any checking or savings account(s) at this time? Name of Bank Address/City/State/Zip of Bank: Type of account: Checking, Savings or Both? Name(s) on the Account Account Number Name of Second Bank (if applicable) Address/City/State/Zip of Bank: Type of account: Checking, Savings or Both? Name(s) on the Account Account Number Are you a member of a credit union? Name of Credit Union Type of account: Checking, Savings or Both? Name(s) on the Account Account Number Present Balance Present Balance Yes No Present Balance Yes No Yes No Yes No Yes No Yes No
Do you have a Christmas Club Account or any other special purpose accounts? Name of Financial Institution Type of account: Checking, Savings or Both? Name(s) on the Account Account Number Present Balance Yes No Yes No
Do you currently have any security deposits being held by a utility company? If yes, what is the amount? Address of Utility Company City, State and Zip Code of Utility Company Name of Utility Company:
Account Number Present Balance ** You may include past due utility bills in your bankruptcy, but you will have to reapply to the utility company as a new customer and pay a new deposit in order to establish service with their company. Do you have any life insurance other than what your employer provides? Name of Insurance Company Does your policy have a cash value? Yes No If so, approximate cash value: In other words, could you borrow money against your policy or make a cash withdrawal? If so, provide the current amount you could obtain if you borrowed against your insurance policy at this present time, or if you withdrew a cash settlement: Even if you are not vested, is there a retirement/pension plan at your work? Type of retirement (i.e., 401-K, PERS, etc.) Does this account presently have a cash value? Yes No If so, approximate cash value: In other words, could you borrow money against your retirement plan or make a cash withdrawal? If so, provide the current amount you could obtain if you borrowed against your plan at this present time, or if you withdrew a cash settlement. Besides retirement/pension, is there a separate profit-sharing plan at your work? Type of stock, bond, etc. (i.e., 401-K, PERS, etc.) Have you set up your own separate retirement not provided by employer? Name of Financial Institution (if applicable) Will you be receiving retirement benefits from a previous employer within the next six (6) months? Date you expect to start receiving retirement benefits: Yes No Yes No Yes No Yes No
Yes
No
Are you receiving any proceeds for retirement at this time? ** If yes, please state the amount you receive monthly on the Income Sheet of these forms Do you have any stocks, bonds (including savings bonds) or mutual funds? Type of bond, stock, mutual fund: Does this bond, stock or mutual fund have a cash value? Yes No Cash value: Yes No Yes No
Even if you never expect to collect any money, does an ex-spouse owe you money for alimony or child support? Name of Ex-Spouse Address of Ex-Spouse Total amount he/she owes you Has this ex-spouse been court ordered to pay you? Date originally started owing you How long?
Yes
No
Over the last year, have you, your children or your spouse been involved in an accident where someone was hurt, for example, a car accident? Yes No Date accident occurred Who was involved in the accident? Was any insurance money received? Yes No If yes, how much? Yes No Who was at fault?
During the next six (6) months, do you expect to inherit anything? Details and Amount During the next six (6) months, do you expect to recover on anyones life insurance policy? Details and Amount Do you expect to receive any money from any insurance claim, for any reason, during the next six (6) months? Details and Amount Are you the beneficiary of a trust fund? Details and Amount Are you owed any back wages, commissions, or vacation pay from your current or previous employer? Employer Name and Amount
Yes
No
Yes
No
Yes
No
Yes
No
Is any of your property in the hands of a repairman, storage company or pawnbroker? Name of Place Holding Your Property Address City, State, Zip Description of Items In the near future, do you expect to settle, win or begin a case for personal injury? Details and Amount In the near future, do you expect to enter into any property settlement with a former spouse? Details and Amount Does anyone owe you any money for a judgment you have obtained against them? Details and Amount Even if you never expect to collect, does anyone owe you any money for any reason whatsoever? Name of Person who owes you money Address of Person who owes you money City, State, Zip of Person who owes you money Explain why they owe you money: Amount they owe you Date they originally started owing you Yes No Yes No Yes No
Yes
No
Yes
No
Have you made any payments on your loans or bills other than ordinary payments? In other words, have you made catch-up payments, paid off or borrowed to pay on or off bills or loans? Yes No Name of Creditor You Paid Date Paid Name of Creditor You Paid Date Paid Amount Paid Current Balance Due Yes No Amount Paid Current Balance Due
Are there any lawsuits pending against you now? Who is currently suing you? Attorneys name and address assigned to the case (if applicable): What is the case number on the court document? ** Please include a copy of this document when you return these forms.
Have your wages or property been garnisheed or attached? Who garnisheed your wages or attached your property? When item did they take the property or what date did they start the garnishment? How much money do they take from your paycheck and how often? Have you returned any property to creditors or was any of your property repossessed from you, sold at foreclosure, transferred through a deed or returned to a seller? Yes No What property did you turn over to a received? When and where did this take place? Has any of your property been assigned for the benefit of your creditors? Which creditor did you make an assignment to? What date did you make the assignment to this creditor? What property did you assign to the creditor? Is any of your property in receivership or other legal custody? When did you file your receivership? In what court was this done? Have you made any extraordinary gifts? What extraordinary gifts or transfers have you made? Who did you give the gift to? What date/year did you make the gift? What is the approximate value? Yes No Yes No Yes No Yes No
Have you transferred any money or property to family members or friends or paid them any money on debts you might owe them? Type of property transferred: What date/year was it transferred? What is the approximate value?
Yes
No
Have you have any unusual losses, such as fire, theft, gambling or otherwise? What item(s) were lost? What date/year was it lost? Have you had any losses covered by insurance? Describe loss: Date/year of loss? Amount insurance paid? Amount insurance paid?
Yes
No
Yes
No
Have you consulted with any other attorney about your financial affairs or paid money to a debt counseling service? Name of attorney or service Consultation Date Money paid for service Yes No Yes No
Have you filed any bankruptcy within the last six (6) years? Did you file a Chapter 7, Chapter 13, or a Chapter 11? Date your bankruptcy was filed? Name(s) of persons who filed? Was the case discharged? Yes No Case Number City, State Filed?
Have you closed any bank accounts within the past two (2) years? Name of Bank Address of Bank City, State, Zip Code of Bank Account Number Date Closed Yes Name on Account No Balance owed: Did you owe a balance when you closed this account?
Yes
No
If you did not owe a balance when you closed this account, how much money did you receive? Do you or have you rented a safe deposit box during the past two (2) years? Name of Financial Institution Address of Financial Institution City, State, Zip of Financial Institution Account Holders Name and Address What are the contents of the safe deposit box? If you no longer have the safe deposit box, what date/year did you surrender it? If you transferred the safe deposit box, when and to whom did you transfer. (Please also provide this persons complete mailing address.) Are you holding any property that belongs to someone else? Item(s) in your possession: Name and address of person these items belong to: Is anyone holding any property that belongs to you? Item(s) in someone elses possession that belong to you?
Yes
No
Yes
No
Yes
No
Name and address of person holding these items which belong to you?
Have you lived at any other residence (other than your current address) within the past six (6) years? Address lived at: City Time period lived at this address: From (date/year) Address lived at: City Time period lived at this address: From (date/year) State To (date/year) Zip State To (date/year) Zip
Yes
No
Have you been self-employed or had any financial interest in any business (or been involved in a partnership with someone who owned a business) within the past six (6) years? Yes No Name of business Business address Type of business (what type of products were sold)? Date business began Name of your partners, co-investors, or associates? What were your net profits for 2002? 2001? 2000? Date business ended
How much income tax do you pay from the income you make with your business? During the past two (2) years, have either you or your spouse had any other income source outside normal pay from your employer? (includes flea market dealers) Yes No Income 2002? 2001? 2000? Yes When do you expect to receive it? No
Do you expect to receive a tax refund this year? Amount of tax refund anticipated:
By signing below, I state that all the information provided in the pages of the Statement of Affairs is true and correct to the best of my knowledge.
Signature of Debtor #1
Signature of Debtor #2
DUTY TO DISCLOSE ALL ASSETS

The bankruptcy preparer, Victoria Ring, has advised me/us, and I/we understand, that it is my/ our obligation as a debtor(s) seeking protection before the Bankruptcy Court, to disclose every asset I/we own OR have a right to claim. Listing assets does not necessarily mean that the item(s) will be taken from you. Instead, your assets will be reported on Schedule B of your bankruptcy petition to show an accurate reflection of your current financial situation. I/we understand that the word asset is broadly defined and includes, but IS NOT LIMITED TO such things as: Any interest in real property (Land) Any titled vehicle including mobile home Any non-titled vehicle including motorcycle, 3 & 4 wheelers, trailers, etc. Cash (savings and checking accounts, 401Ks, stocks, bonds, etc.) Monies on deposit with a bank or financial institution Any and all claims including but not limited to personal injury, general torts, future interests in life estates, interest in death benefits of life insurance policies or trusts Claims for medical or other professional malpractice Settlements due to alimony, support and property settlement Tax refunds Retirement accounts, IRA, bonds, stocks, annuities Account receivables Boats, motors and accessories I/we understand that this obligation is enforceable under both the penalty of perjury and criminal statute. I/we acknowledge that I/we have disclosed to my/our bankruptcy preparer all of my/our assets by signing below.
Date Signed: Debtor #1
Debtor #2 (if applicable)
DUTY TO DISCLOSE ALL CREDITORS
The bankruptcy petition preparer, Victoria Ring, has advised me/us, and I/we understand, that it is my/our obligation as a debtor(s) seeking protection before the Bankruptcy Court, to disclose EVERY debt that I/we owe to any person, company or institution, regardless of the amount owed or the purposes for which the obligation was incurred. Note: Some people only submit these forms, listing the debts that want to file bankruptcy on -- and leave out debts that want to keep out of the bankruptcy. Because a bankruptcy petition is a complete, and accurate picture of your current financial situation, everything you owe and everything you own must be recorded properly for the Bankruptcy Court. If you wish to continue paying on a debt you owe (example: your car, home, furniture, credit card, etc.) then make sure you list it as a debt on the Debt Sheet but write the word KEEP beside the debt. If your budget can afford to make the monthly payment, it will be included in your monthly budget. The creditor may ask you to sign a Reaffirmation Agreement that states you will continue paying this debt, even though you are filing for bankruptcy relief. I/we understand that the obligation to disclose all debts owed is enforceable under both the penalty of perjury and criminal statute. In other words, if you do not provide complete and accurate information for every debt you owe, you could be risk your bankruptcy being dismissed or even be subject to criminal charges by the Federal Court. I/we acknowledge that to the best of my/our ability that I/we have disclosed to Victoria Ring all of my/our creditors as detailed on the forms in this package by signed my/our names below.
Date Signed: Debtor (Husband)
Debtor (Wife)
AGREEMENT
By signing this agreement I understand that Victoria Ring, located at 1601 W. Fifth Ave #123, Columbus, Ohio 43212 is a non-attorney bankruptcy petition preparer. By requesting and/or employing the services of Victoria Ring, you acknowledge and agree to the following: 1. No information provided by Victoria Ring is intended to be legal advice or recommendation for action, nor should any information provided be construed as such advice or recommendation. Victoria Rings knowledge is compiled from training received from individual attorneys specializing in bankruptcy law, her day-to-day working knowledge of bankruptcy law and her knowledge of preparing almost 1,800 bankruptcy petitions during the course of her career. You understand that all legal advice must be obtained from an attorney licensed to practice law in your state. 2. You agree to indemnify and hold harmless Victoria Ring, against any claim, liability, loss, or expenses, including but not limited to attorneys fees and court costs, arising directly or indirectly from use of the services provided. You also assume all liability for costs involved in collection of fees due, including attorneys fees, court costs, account maintenance, and other collection expenses. 3. Victoria Rings liability in all instances are limited to the cost of the forms provided, and under no circumstances will Victoria Ring be responsible for other fees or costs incurred by yourself and/or spouse. You understand that the $99.95 non-attorney bankruptcy preparation fee is non-refundable unless Victoria is unable to prepare your petition for any reason. 4. Victoria Ring agrees to provide the following services for the $99.95 fee mentioned above: Complete preparation of your entire bankruptcy petition. This includes all Schedules, Forms, Voluntary Petition, Creditors Matrix, Summary of Schedules and 1015 Form if applicable to your state law or local rules. Step-by-step instruction sheets specifically customized for you; providing you the address of where you are to file your bankruptcy petition at the Bankruptcy Court in your jurisdiction, general information about your 341 Creditors Meeting as well as your final Confirmation Hearing. Preparation of wage garnishment letters that will STOP any unauthorized deductions from your future paychecks. They are prepared for your signature and mailing. 100% Guarantee that your bankruptcy petition will be accepted by the court as a complete, legal document. Victoria Ring cannot guarantee you will receive a bankruptcy discharge. This guarantee can only be provided by an attorney specializing in the are of bankruptcy law. After you send in these forms to Victoria Ring for preparation of your bankruptcy petition, you can expect to receive a telephone call or email within 3-5 days after receipt. If you cannot be reached by telephone or email, Victoria will write you a letter letting you know any additional information she needs to complete your bankruptcy petition. If, in the meantime, your financial situation changes in any way, it is your responsibility to email or call Victoria immediately at 614-486-7642 or victoria@victoriaring.com so she can make any changes. By signing below, you understand and agree to the statements made in this Agreement. Debtor #1 Date: Debtor #2 (if applicable) Date:
OTHER USES FOR THESE FORMS

The intake forms included in this package are not designed exclusively for our use. Below are some suggested uses for these forms if you choose not to use our preparation service: 1. Fill out the forms and take with you to your bankruptcy attorneys office. They will provide the attorney will all the necessary information to assess your financial position and provide you with a better level of legal advice. It also will save you and the attorney a lot of time and may even reduce the attorney fee. Fill out the forms and use the information to assess your own financial position. You may find that you can pay your bills and may not have to file bankruptcy at all. Make copies of the forms before you fill them out and pass them out to friends and relatives who may be interested in filing bankruptcy. Write your name and address at the top of the GENERAL INFORMATION form (Page 1) in the space provided (Referred By: _______.) We will send you a referral check of $15.00 for each bankruptcy petition we process to thank you for your recommendation. If you are seeking to start your own business providing bankruptcy services to the general public, or if you are an attorney planning on expanding your business to include debtor bankruptcy services, please visit http://www.lawyerassistant.com and obtain your free intake forms customized with your name and address. We discount our petition preparation service for legal professionals. In addition, we provide a Getting Started Package for attorneys and paralegals if you prefer to process your own bankruptcy petitions. This package contains a 2-hour training CD, bankruptcy software and a healthy supply of debtor and creditor pleadings to get your new business up and running within days. For more information on this package go to http://www.bankruptcyparalegalservices.com/cds/ Thank you again for utilizing the services of Bankruptcy Paralegal Services. We are unique in the fact that we never place making a buck over high-quality service. While other companies may boost of this fact, the majority of them dont walk the walk. Bankruptcy Paralegal Services was set up to be a personable, caring service for our clients. If at any time, we do not meet your highest expectations, please let us know about it immediately so we can fix the problem to your satisfaction.
2. 3.
4.
Contact Information:
Victoria Ring, President Bankruptcy Paralegal Services 1601 W Fifth Ave #123 Columbus, Ohio 43212-2303 (614) 486-7642 (24 hour answering machine) email: victoria@victoriaring.com http://www.bankruptcyparalegalservices.com/

87 Things You Need To Know Before You File Before You File

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87 Things You Need To Know Before You File Before You File

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87 Things You Need to Know Before You File Bankruptcy

Written and Published by

Victoria Ring, Bankruptcy Paralegal

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87 Things You Need to Know Before Filing Bankruptcy

87 Things You Need to Know Before You File Bankruptcy Page 2

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Short Resume of Victoria Ring

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87 Things You Need to Know Before You File Bankruptcy Page 6

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87 Things You Need to Know Before You File Bankruptcy Page 8

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87 Things You Need to Know Before You File Bankruptcy Page 13

When does a bankruptcy take effect?

87 Things You Need to Know Before You File Bankruptcy Page 14

87 Things You Need to Know Before You File Bankruptcy Page 15

IMPORTANT PLEASE READ AND SIGN!!

PLEASE SIGN BELOW

Middle (spell out)

Last Date of Birth

State Length of Time at This Address Other Phone

Middle (spell out)

Last Date of Birth

Are you paying or receiving any alimony or support money?

YOUR REAL ESTATE

If so, what company do you pay your second mortgage to?

YOUR HOUSEHOLD INVENTORY

Yard Sale Value

YOUR MOTOR VEHICLES

Remember to list all motor vehicle debts on debt sheets.

Remember to list all motor vehicle debts on debt sheets.

Other: Year Mileage

Name of Creditor Address City State Zip

Name of Creditor Address City State Zip

Name of Creditor Address City State Zip

Name of Creditor Address City State Zip

Name of Creditor Address City State Zip

INCOME HISTORY FOR YOU

Gross Income in 2001

Gross Income in 2000

If yes, name of employer:

INCOME HISTORY FOR YOUR SPOUSE IF FILING JOINTLY

Gross Income in 2001

Gross Income in 2000

If yes, name of employer:

HOME BASED BUSINESS OWNERS

Medical expenses not paid by insurance $_________

DUTY TO DISCLOSE ALL ASSETS

Date Signed: Debtor #1

Debtor #2 (if applicable)

DUTY TO DISCLOSE ALL CREDITORS

Date Signed: Debtor (Husband)

OTHER USES FOR THESE FORMS

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