What should I bring when I meet with my bankruptcy lawyer in Connecticut?

folder So you’ve made an appointment to meet with your bankruptcy lawyer to discuss your financial situation. And you find yourself wondering, “Do I need to bring anything? And if so, what should I bring to my meeting with my bankruptcy lawyer?”

Well, here’s a list of a few basic and typical things that you should bring that will make the process go more smoothly:

Pay stubs for the previous 7 months. If you don’t have any of your pay stubbs, just ask your employer for copies from that period. And if you’re self-employed, make sure you have some documentation that demonstrates your gross income for the 7 month period prior to your meeting.
Income tax returns for the past 2 years. Also, make sure to let your lawyer know whether you’ve filed yet this year.
Bank statements from any savings accounts, checking accounts, brokerage accounts, credit union accounts or other similar accounts.
Recorded deed for the mortgage on your primary residence as well as any other real property you possess. FYI, getting copies of these may involve going to your County Clerk’s Office and may involve paying a fee. Though of late, some counties allow residents to obtain copies by downloading them from their website.
Foreclosure notices. Any and all foreclosure notices you’ve received.
Lease or timeshare information or documents.
Creditor statements and correspondence. e.g., Any letters you’ve received from collection agencies.
401(k), IRA and/or profit sharing statements from your employer. If you don’t have them in your possession, ask your employer or financial advisor for copies of the documents.
Copy of your credit report. You can obtain a free copy of your credit report at www.annualcreditreport.com.
Separation agreement or divorce decree (if applicable).
Automobile title, purchase agreement or any other documents relating to ownership of your car.
Inheritance information. If you’re due to receive any inheritance, or you’ve received any inheritance income, make sure to tell your lawyer. (Reminder: When you file for bankruptcy, you must disclose all of your assets.)

I recommend organizing all of the documents you bring into a folder which you can leave with your attorney who will make copies. The more information you can provide, and the more thorough and prepared you are, the better your bankruptcy attorney will be able to help you. The key to success in a bankruptcy case is preparation!

If you are considering filing for bankruptcy in Connecticut and are seeking more information about bankruptcy in Connecticut, please contact me for a free initial consultation.

Contact Attorney Melchionne

Eugene S. Melchionne, Esq.
27 First Ave.
Waterbury, CT 06710
(203) 757-3437

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