Friday, December 27, 2013

Local Charlotte Bankruptcy Attorney Provides Bankruptcy Faqs

By Lakisha Curtsinger


When deep in debt and dealing with bill collectors and other stressful issues, you can count on your Charlotte bankruptcy attorney for legal assistance. Many people have no clue what to do on their initial lawyer consultation. Common frequently asked questions concern what to bring for the first visit (consultation) and here are some important items to include.

You are required to have an income analysis. Have pay stubs and proof of income for six months or so. Make sure that you include all forms of income including bonuses and vacation pay and if self employed, bring what proof you have.

If you own a house bring in your real estate records. This includes payment info and how much you owe on the property. However, it is also important to determine an approximate current value of your property. If a recent appraisal is not available, check to see what similar homes are selling for in your neighborhood.

Make a list of all your current debts and bring some type of proof with you. Include things like credit cards statements and medical bills. Make sure your statements list how much is owed and what the payments are. If you have other outstanding loans on cars or other things, include them. Include statements on any financial obligations that you owe.

You need to determine your approximate worth in dollars and compare that against all the debts that you owe. For your assets, include everything you own including personal possessions like jewelry. You also must include recreational vehicles like ATV bikes and jet skis.

When you consult with your Charlotte bankruptcy attorney you have the chance to ask any question about your situation. The better you prepare for the consultation the more your lawyer can assist you in finding the answer to your problems. You also can call the office and talk to the staff for additional info.




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