All initial bankruptcy consultations are FREE! All initial consultations are with Attorney Brian Haddix. The average length of an initial bankruptcy consultation is approximately forty-five minutes to an hour and a half.
To get the most out of your FREE initial consultation, please bring the following to your scheduled appointment:
6-MONTHS PAY CHECK STUBS
Copies of your (and your spouse’s if filing jointly) last six (6) months of pay advices (pay check stubs). Also, if you received California unemployment benefits, bring copies of the little strips that came with the check.
FEDERAL AND STATE TAX RETURNS
Copies of the last two (2) federal and state tax returns you filed. For example, if you filed tax returns for 2009 and 2008, bring copies of both of those tax returns to the initial consultation.
KNOWLEDGE OF YOUR ASSETS
An understanding of everything you own including real property, personal property, motor vehicles, boats, recreational vehicles, jewelry, collectibles, bank accounts, retirement accounts, and investments.
KNOWLEDGE OF WHO YOU OWE
An understanding of who you owe including mortgages, car payments, credit cards, bank loans, student loans, personal loans, taxes, support obligations, etc.
KNOWLEDGE OF EXPENSES
An understanding of your monthly expenses including monthly mortgage payments/rent, utilities, cell phone(s), cable/internet bundled services, food, clothing, home maintenance/repair, average monthly insurance premiums, medical expenses, charitable giving, car payments, transportation costs, etc.
IF YOU HAVE BUSINESS INCOME, RENTAL INCOME, OR OTHER INCOME
Proof of the last six (6) months of income from all businesses owned (such as a YTD profit/loss statements), rental income from each property owned, social security benefits, disability benefits, child/spousal support payments, pension/retirement income, and/or any other source of income or contribution from a regular source such as a roommate, significant other, or parent.
Below are forms that are used in the initial bankruptcy consultation. To expedite the process, please print them and fill them out as completely and accurately as you can and then bring them with you to your initial bankruptcy consultation. Modesto bankruptcy attorney Brian Haddix will review your answers with you.