1. The purpose of the initial consultation is to listen to your story – how you got into financial difficulty and what you hope to accomplish.  It is also an opportunity for us to get to know one another – bankruptcy is a collaborative process between attorney and client so we must be able to work together to attain the goals that you want to achieve.  I will review your financial situation at our initial meeting and provide you with solid recommendations on the options that are available to you to address the hardships you are experiencing in a meaningful and responsible manner. 
    

2. The typical consultation is 60-90 minutes
    

3. What should I bring to the initial consultation

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       a. List of all your debts – who you owe money to, how much and why
 

        b. List of all your property – what you own and what it is worth (i.e. houses, cars, retirement plans, etc.)
 

        c. Most recent filed tax returns with the IRS for yourself and any businesses that you own
 

         d. Pay stubs and other sources of income for the preceding 6 months (i.e. rental income, social security, self-employment income) for all people in your household
 

          e. List of all monthly household expenses
 

           f.   Divorce papers
 

           g.  Legal papers/lawsuits and collection letters

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           h. Identification – driver’s license or state issue picture ID and social security card