Getting Organized Prior to Filing
We can no longer handle bankruptcy cases on an "emergency" basis.
If you are facing foreclosure or other remedies in the state court, the Maida Law Firm, P.C. can no longer file
bankruptcy on the eve of your court date. If you are considering the option of bankruptcy relief, the bankruptcy lawyers at the firm may be able to appear for you in state court to defer or delay foreclosure or judgment. There may be additional attorney fees and costs for representation in the state court. It is important not to wait until the last moment.
If your bankruptcy case is not carefully prepared, your case most likely will be automatically dismissed. That will make it very difficult and expensive to file your case again correctly. Therefore, it is important to gather and organize all necessary paperwork before hiring a lawyer.
Here are some things that you should have prepared and organize:
- Itemized monthly income and supporting documents from the past 6 months
- Tax returns to be filed at any time during the case and for the previous year
- Interests in educational accounts, qualified state tuition programs
- Individual retirement accounts, 401k plans, retirement or pension plans
- 403b plans, any similar pension or retirement plan
- Photo identification and social security card or other proof of social security number
- Pay stubs or other evidence of payments from employers if any, within 60 days of filing
- Evidence as to how much you owe each of your creditors
- A current credit report
- The name, address and account number of each of your creditors
- The years in which you incurred the debt and the type of debt
- The address of each of your creditors given to you
- We can amend your list of creditors after you file the case additional fees may apply
- An itemized listing of your personal property and replacement value of the property
- An itemized listing of your real estate and fair market value of the property
Before you can file your case, you'll have to get a briefing from a not-for-profit credit counseling service approved by the Office of the United States Trustee. The firm's attorneys anticipate that the charges for this will also be reasonable and that this won't take very long, but you will have to provide a certificate that you have received this briefing before they can file a case for you. If you need help in finding out how to get this briefing, the lawyers from the firm can direct you to qualified counseling services that can provide this briefing to you for a reasonable fee.
Debt Relief Agency
As a "Debt Relief Agency," the bankruptcy code's term for a bankruptcy lawyer who helps people file bankruptcy cases, the attorneys are required to give you several notices at different various times while they are helping you. They also have to have a written fee agreement with you. The lawyers must ask you to sign these documents and keep them for at least two years.
The Maida Law Firm, P.C. does not want to make this complicated for you and they are working hard to handle these details in a systematic way so that your case will proceed in the dignified and professional manner you expect. If you need assistance in Beaumont or Houston, contact a bankruptcy attorney from the firm for more information!