Bankruptcy Checklist in Florida
For most people, filing bankruptcy is a measure of last resort, taken when their financial debt has reached proportions that are completely unmanageable. As of December 2008, 67,649 individuals and businesses filed for bankruptcy in Florida. While there are negative connotations associated with this process, it can resolve financial burdens for many consumers. Florida residents filing for bankruptcy may find that adhering to a checklist when preparing to meet with their lawyer or appear in court will ensure they are well-prepared and informed.
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Income Information
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Because your lawyer and the bankruptcy court needs to have a clear idea of your financial portfolio, it is important to bring any corresponding information about your income. This includes an accounting of any income you make personally, as well as any income incoming for your household. To back this information up, you should also bring any copies of check stubs, direct deposit receipts and copies of bank account statements. This income history should span at least six months to provide an accurate accounting of your income.
General Demographic Information
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Bankruptcy takes into account your entire lifestyle, so bring along as much of your personal information as possible. This includes copies of your driver's license, how many people live in your household and their ages, your Social Security card, your home lease or mortgage papers, household bills not currently in default (i.e., a light bill, cable bill, grocery receipts, car and health insurance documents and any other monthly bills you pay).
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Debt Printouts
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Print out and bring along any of the credit accounts you can find or to which you can gain access. While your creditors will furnish this information to the bankruptcy courts as well, to ultimately set up a payment plan, it is important that you provide this information as well. Bring credit card statements, loan documents, student loan papers and any other paper copies of your debts. You can also ask your creditors to furnish you with this information via email, fax or snail mail.
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