Mortgages, car loans, conditional sales on household goods, mortgages on building materials, student loans, alimony, and taxes from the last four years are not dischargeable. Discharging unsecured debts that were straining your budget will free up disposable income to improve your quality of life.

 

The debtor will file the petition alone or with their spouse, or if they are not legally married, both individuals may file separate petitions and request consolidation of their cases. They will submit information sheets on their assets and debts and request the exemptions applicable under Federal Law to protect their essential assets. They must also submit evidence of the value of their home, car, and debt balance.

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To facilitate the consultation, please bring the following to your appointment:

 

•Social Security card.

•Pay stubs from the last month, showing deductions for both you and your spouse.

•List of your debts with the name of the creditor, account number, mailing address, and balance owed. For car or mortgage debts, you should know how much you are behind on payments.

•Current market value of your home and mortgage balance, if you have debt. (If you have an appraisal or a photo valuation, even better.)

•If you have been sued or have any pending court cases, you must bring us the lawsuit or seizure or foreclosure order.

•Value of your share in businesses or pending inheritances.

•If you have a personal business, the business's income and expenses.

 

List of ordinary household expenses, including:

 

• Electricity

• Water

• Telephone

• Cable TV or Satellite

• Internet bill

• Cell phones

• Food (what you spend on groceries at the supermarket plus additional daily expenses, e.g., if you eat at a restaurant or order food)

• Clothing

• Laundry

• Health insurance not deducted from your salary

• Medicines and medical expenses

• Entertainment (e.g., going to the movies, buying a music album, renting a movie)

• Books, newspapers, and magazines

• Non-medical insurance

• Gasoline, tires, and oil for your car

• School payments. You must have proof.

• College expenses

• Financial assistance to family members

• Any other expenses you may have

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