Your finances have gotten out of control, and you’re receiving phone calls from collectors on a daily basis. You have trouble covering the minimum payments for your bills each month, and you’re having trouble seeing an end to the cycle of late fees and accounts going into collections. If this is the case, a Bankruptcy Lawyer Tipp City OH has to offer may be someone you should talk to. Before you speak with a lawyer, however, there are some things that you will want to make sure you have to bring with you to your first meeting.
The most current statement for all of your bills is one of the most important things you need to bring. This includes bills that are current, bills that are late but you are still trying to pay and bills that have gone into collections. If you do not have a current statement, you can find one online or by calling the company issuing the bill and asking them to send you a copy by mail, email or fax. This also includes any credit cards, mortgage statements, or car payments.
Next, you will need to have a copy of your current bank statements. This should include all bank accounts as well as paperwork for any bonds, retirement funds, or any other money you may have. This is important so that your lawyer can see your current financial situation.
The third thing you will want to have with you is your proof of income. This can be the last few pay stubs or your most recent tax paperwork. Your lawyer will use this to see how much you make on a monthly basis so they know what you may be able to afford to pay each month to pay down your debt.
Once you have all of this information, a Bankruptcy Lawyer Tipp City OH has to offer, such as Shipman Dixon & Livingston Co. L.P.A, can help you with deciding if bankruptcy is the right option for you. If, after speaking with a lawyer, you decide that you would like to file for bankruptcy, you lawyer will help you decide which chapter of bankruptcy would work for you and help with the entire bankruptcy process. Visit http://www.sdlattorneys.com for more details.