Contact information
By phone (anytime 24/7):
Office: (440) 777-1177
Cell: (440) 823-4781
Fax: (440) 398-0561
By e-Mail:
SWolf@WolfsLaw.com
By mail:
The Law Office of Stephen W. Wolf, LLC
26777 Lorain Road, Suite 709
North Olmsted, Ohio 44070
The Client's Part In This
Absolute, full and complete information
I cannot stress the importance of your providing me with:
- Absolutely all information I require as soon as possible after I ask for it
- Full disclosure of all information
- The information must be accurate - you must be able to prove your claims
The initial meeting
Our first meeting will include an overview of bankruptcy, what will likely be required and other introductory materials. From there you then ...
Retainer agreement
An agreement is made between you and I so that there is no misunderstanding regarding what your costs are likely to be.
Items you might need
Items you might need to find (and this is by no means a complete list):
- A copy of your credit report from each of the three major credit reporting agencies.
- A list of all creditors.
- A list of all cosigners.
- Current paycheck stubs and evidence of income for at least the last sixty days and perhaps even the last twelve months. This means that if you don't keep your stub, or don't receive one, you need to get them.
- A certificate of title for all titled assets - vehicles, cars, motorcycles, motors, mobile homes, trailers, recreational vehicles, etc.
- A copy of all leases - premise, auto and personal property leases.
- A copy of all deeds to real estate, including cemetery plots.
- A copy of all mortgages.
- A copy of any appraisal done in the last four years.
- A copy of your income taxes for one to three prior years.
- A copy of all lawsuits, judgments, liens. This includes tax liens and child support judgments.
- Checking account information for the last year.
- A copy of each insurance policy for all insured assets that sets out riders with values.
- Consumer credit counseling documents.
- A copy of the last statements sent by educational IRA and or tuition trust accounts.
- A copy of the latest statement for all retirement accounts.
- Prior addresses for three years.
- A copy of any estate planning document, such as for a trust.
- Utility bills over the last six months.
- Picture identification.
- Social Security card.
- Documentation of any debt management program.
- Certification that you took an approved nonprofit budget and credit counseling class.
Creditor's Meeting
About a month after filing your bankruptcy petition, you'll have to attend a meeting of creditors. This is called a "341 Meeting". Creditors rarely attend. Instead, a person assigned as your bankruptcy trustee will ask you a number of questions. These seek to get you on record as having divulged everything you know and that you are being truthful. You and I will meet in my office and discuss this meeting some time prior to you having to appear. We'll go over the standard questions.
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 Requires the following notice: I am a Debt Relief Agency. I help people file for bankruptcy relief under the Bankruptcy Code. This web site is not an offer to provide bankruptcy assistance services to any assisted person as defined under Section 527(a)(2) of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. You are not my client until we execute a written agreement describing my services.