When you decide to file for bankruptcy, choosing the right lawyer can make all the difference. At Robert J. Adams & Associates, known as The Bill Slayer, we understand how overwhelming this process can feel. With decades of experience and a deep commitment to our clients, we strive to make your journey as smooth and stress-free as possible. Below, we’ve outlined the key documents you’ll need to gather when filing for either Chapter 7 or Chapter 13 bankruptcy. Knowing what’s required ahead of time will help ensure everything goes smoothly and efficiently.
By working with us, you’re not just hiring a lawyer—you’re partnering with a knowledgeable, compassionate team that will guide you every step of the way.
Shorthand List of Required Documents
- Pay stubs or pay advances for the last 60 days.
- Driver’s license or State ID and Social Security card.
- List of your debts. While we can help you obtain a free credit report, we recommend ordering a Consolidated Credit Report from all three credit bureaus for a small fee.
- List of your property.
- All court documents related to foreclosure, judgments, liens, garnishments, etc.
- Parking tickets and tollway debts, if applicable.
- Tax returns: Two (2) years for Chapter 7 and four (4) years for Chapter 13.
- Credit counseling certificate: We’ll help you find a trusted credit counseling service that allows you to delay payment until your case is filed. They will also send the certificate directly to our office.
1. Pay Advises / Pay Stubs
At Robert J. Adams & Associates, we understand that not everyone has a traditional work history. Here’s how we handle different situations:
- Missed work or partial employment: If you haven’t worked for the past 60 days or have only worked part-time, we can prepare a declaration for the missing dates.
- Proof of benefits: If you receive Social Security, a pension, or unemployment benefits, you must provide proof.
- Spouse’s income: If you are married and living with your spouse, but only you are filing, we need evidence of your spouse’s income, if any.
- Irregular income: If your income varies due to seasonality, overtime, or bonuses, additional documentation may be required.
- Self-employment: Self-employed individuals must provide a breakdown of income and business expenses.
2. Social Security Card
- If you are undocumented, we can use your ITIN or EIN card instead.
3. Debts
Not all debts appear on your credit report, which is why we work closely with you to ensure nothing is missed.
Examples include:
- Tax debts: IRS, state taxes, real estate taxes, water bills, and back utilities.
- Pending lawsuits: Any lawsuits where you are the defendant.
- Back child support.
- Parking tickets and tollway debts.
- Medical bills: Particularly recent ones.
- Back rent.
4. Property
We take the time to ensure all your assets are properly listed and valued:
- Real estate: Any property you own (e.g., a house) must be listed, including its market value and any liens.
- Vehicles: Cars must be listed along with their market value and outstanding loans.
- Household goods: Furniture and household items are typically listed by room. Electronics and appliances should also be included.
- Personal injury claims: If you were injured in an accident and have filed or can file a lawsuit, it must be disclosed.
Workers’ compensation claims: These must be listed, even though they are typically exempt.
5. Court Documents and Collection Letters
Provide any court documents related to your debts, such as foreclosure notices, judgments, liens, garnishments, and collection letters. We’ll review everything carefully to ensure your case proceeds without a hitch.
6. Income Tax Returns
Filing tax returns can be tricky, but we’re here to help. Here’s what you need to know:
- If you did not file: If you were not required to file income tax returns for certain years, we can substitute a declaration. This applies if:
- You only received Social Security or a small amount of unemployment benefits.
- You did not work for one or more years.
- Your wages were below the minimum threshold requiring tax filing.
- Ordering IRS returns: If you do not have copies of your tax returns, we’ll guide you on how to order them online using this link. https://sa.www4.irs.gov/oat/ IRS Transcript Request and selecting the Tax Return Transcript, which includes your adjusted gross income (AGI).
Delinquent returns: If you didn’t file because you “didn’t get around to it” or owed money, that is not an acceptable reason. Even if you owe taxes, filing your returns before filing for bankruptcy is crucial to ensure your case proceeds smoothly.
7. Credit Counseling Certificate
The law requires you to complete credit counseling before filing your bankruptcy case. Don’t worry—we’ll recommend a trusted service that makes it easy. The certificate is valid for 180 days, and they’ll send it directly to our office.
At Robert J. Adams & Associates, we don’t just handle your case—we care about your future. This list covers 95-99% of individual situations, but every case is unique. That’s why it’s essential to work with an experienced bankruptcy lawyer who understands your needs and will fight to protect your rights.
Our reputation as The Bill Slayer reflects our dedication to helping clients slash their debts and reclaim their financial lives. With us by your side, you can feel confident that you are in knowledgeable and caring hands. Remember: Being organized and cooperative makes the process faster and less stressful for you. If you’re ready to take the first step toward financial freedom, call Robert J. Adams & Associates today!