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Taking the first step towards a fresh financial start

We write often here on our Wayne County bankruptcy law blog about what to expect during the bankruptcy process and the fresh financial start that residents are able to obtain once it's complete. Yet sometimes the psychological gap between sitting at home, staring at bills and credit card debt collection letters, as opposed to getting out and seeking help from a legal professional may seem too great to cross. In order to help out readers understand the point of entry into the system, let's talk about that first meeting in a little more detail.

Some people may be afraid that a bankruptcy professional will expect them to know the answers to difficult, technical questions. This can leave them feeling intimidated. But such is unwarranted, because a legal professional is there to answer your questions, not the other way around. A professional will explain the process and what specifics you'll need to understand for your own situation; he or she will not burden you with irrelevant minutiae.

A bankruptcy law professional will want to review some of your key financial information. This will include pay stubs -- both your most recent and an average one, if the most recent is higher or lower than usual. He or she will need your last two years' income tax returns as well as your W2 forms. Mortgage documents and titles to any vehicles you own will also be helpful during your initial session.

Our web page on preparing for bankruptcy has more information, although it (as well as this post) are general only and not to be interpreted as specific advice. A legal professional is the best source for that kind of information, and is there to help you and advocate on your behalf during the bankruptcy process.

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    Posted by MaryDecember 11, 2015

    "I am overwhelmed by your response to my call, even 10 years after my bankruptcy was discharged. You have more knowledge and expertise than I could have imagined. Because of you, my fears have been put to rest. For that, I'm so very grateful. Thank you many times over. "

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    Posted by ClientOctober 26, 2010

    "... I was extremely impressed with Charles' understanding of the bankruptcy laws to the extent that I felt certain that my best interests were always at the forefront. "

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    Posted by MarleneJanuary 8, 2014

    He helped me thru my 1st bankruptcy and now the second. I had no idea what to expect , but they kept me informed and answered all my questions. Mr. Schneider is the most experienced and knowledgeable lawyer I have ever met. If you have to file call this attorney first!

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