Experienced Attorney Guides Media Residents Through the Complex Bankruptcy Process
Getting prepared to file for bankruptcy protection
As piles of paper take over your workspace and tabletops, it is important to compile the financial documents our office needs to understand your situation and effectively advise you of your legal options. Our attorneys at David R. Black’s Bankruptcy Legal Group, a division of Black, Stranick & Cella, P.C., compassionately partner with you through this arduous process. Thoroughness is vital, and we strive to keep the lines of communication open to answer your questions and address your needs.
Which documents do you need to file my bankruptcy?
You will feel as though you might need moving boxes to bring all the documents you have received regarding your financial matters. It might be painstaking to go through all of the documents, but this is the first step toward your financial freedom. After we review the documents, we advise you on the steps for filing bankruptcy in Media. Listed below are the items that our bankruptcy attorneys must review:
List of creditors — We need the information necessary to provide a comprehensive creditor matrix to the clerk of the bankruptcy court. The clerk contacts each creditor to let them know that you have filed for bankruptcy protection and they can no longer attempt to collect money from you, but instead can submit claims to be considered by the bankruptcy trustee.
Income information — We require a full listing of the source, amount, and frequency of you and your spouse’s income. Our bankruptcy lawyers also need recent paycheck stubs and any documents verifying proof of income for the six months prior to your case being filed.
List of property — Be sure to provide a list of all the property that you and your spouse own. If you possess property that has not been paid off, we need that information as well. If you file for bankruptcy, we issue correspondence immediately to your mortgage holders to avoid foreclosure proceedings.
List of assets — We will need a full listing of your assets, including:
Household goods & furniture
Government or corporate bonds
Any other personal property
List of living expenses — Put together a detailed list of monthly living expenses. These become your allowable expenses for the bankruptcy means test. They include:
Rent or mortgage statements
Domestic support obligations
Education expenses for children
Miscellaneous documents — The following documents will need to be reviewed by our team as well:
Bank and savings account statements
Tax returns for the past two years
Our goal is to remove the financial burden from your shoulders
Our bankruptcy lawyers listen to your concerns, review your situation and explore every option.
We are a team of professionals dedicated to giving you the fresh start you deserve.
Our bankruptcy attorneys are proficient in thinking outside of the box to meet your personal and business goals and objectives.
Call us for a free initial consultation and learn how bankruptcy can eliminate your financial burdens
Contact David R. Black’s Bankruptcy Legal Group, a division of Black, Stranick & Cella, P.C., at 610-365-1052 or online for a free consultation. Our office is conveniently located half a block from the Delaware County Courthouse, and is accessible by SEPTA, Regional Rail and the trolley. We are available Monday through Friday, 8:30 a.m. to 5:00 p.m., and are reachable by phone on weekends and after business hours. We serve clients throughout Media, West Chester, Chester County, Delaware County and Upper Darby.