Bankruptcy Credit Counseling Certificate

The bankruptcy credit counseling certificate. In order to qualify as a debtor in bankruptcy you must put a pre-bankruptcy credit counseling certificate. A prebankruptcy credit counseling certificate is obtained by taking a course from a preapproved vendor to get the name of a vendor who can administer the course please call my office. Pay advices: Pay advices or paychecks in order to file for bankruptcy your lawyer must have your last six months of pay stubs or pay advices. If you do not receive regular pay stubs for pay advice is, most likely you’ll need to fill out business with fourths. You’ll need to fill out a monthly business report for each month for the last six months prior to filing for bankruptcy relief. Tax returns prior to filing for bankruptcy relief, your lawyer will need your last three years of tax returns which includes your federal tax returns and your estate tax return mortgage payoff statement. Provide your attorney with a mortgage payoff statement prior to filing for bankruptcy relief the mortgage payoff statement is needed to determine whether you have any equity in your home more on this later but you will need to help your attorney to determine whether you have any nonexempt equity in your house. It may seem obvious for some, but you determine the equity in your house by comparing the value of your house minus feel that once the first mortgage is held at once pretty mortgage what the filter is the equity you have in the house. The deed. ADD is the document which is filed with your County land records that Dr. Joseph was a owner of a piece of real estate also known as your photo ID is not the same thing as a deed of trust. Indeed again shows the ownership of real estate. A deed of trust is a document which is used by the mortgage company to tell the world that a piece of real estate has been put up as collateral for a loan in other words load is being guaranteed by a piece of real estate that is called a deed of trust. Your attorney will want a copy of your deed but if you already are gathering up the necessary documents writing a deed of trust is useful to you as well so both Dr.’s. Titles to vehicles. Prior to filing for bankruptcy relief provided for attorney with copies of your vehicle title. Your bankruptcy trustee may want to confirm this year make and model of your car and the trustee may want to confirm that Aileen has been properly reported against the title to your vehicle for this. Therefore please provide a copy of your vehicle titles prior to filing for bankruptcy. Appraisals. Appraisal is not the same thing as a market analysis. An appraisal for your house is a full-blown valuation of your house done by a licensed phaser and they typically cost $400-$500. Your attorney may need an appraisal of any and all real estate which is owned by you. However it may be cheaper to start off with a market analysis. The market analysis is cheaper than diesel. Market analysis is done by local real estate agent and it is not as thorough as comprehensive as the appraisal. A market analysis consists of a picture of your house and market comparable in your surrounding neighborhood. Real estate agent. Similar homes in your area that are similar to your house real estate agent is a picture of your house that writes a brief explanation of why your house is worth more or less for about the same as the other houses attached is cops. But it will save us. If you own a small business you will need to provide financial statements for your attorney prior to filing for bankruptcy relief you also need to provide business with fourths. Financial statements consist of a profit and loss statement. What happens after I file provider’s adversary. A creditor has the right to sue you inside of bankruptcy for fraud or willful, willful glitches. The property of another embezzlement and basically other types of financial products. If you feel as though the creditor has a right to sue you for fraud and embezzlement of perjury willful and willful and malicious injury to the property of another phrase that reasons you know that is a separate trial. That’s attached to bankruptcy. Your being the main body bankruptcy case.