ConsumerBankruptcyCounseling.info Checklist

Before you start your FREE online counseling session, please gather the following documents. You will need this information to accurately complete the online worksheets.

Tax returns from the last year you (and your spouse, if applicable) filed.

Assets:

All recent financial account statements such as statements for checking/savings accounts, stocks, mutual funds, retirement accounts, etc.

Income:

Copies of your (and your spouse's) paystubs, gross receipts for businesses, statements of real property income, pension and retirement income, unemployment compensation, social security benefit letters, alimony, child support, etc. which accurately reflect your average monthly income.

Expenses:

Mortgage statements, car loan statements, student loan payment stubs, utility statements, phone bills, water/garbage bills, statements for all other regular monthly expenses such as child care receipts, tuition payments, etc.

Recent credit card statement for each card, recent medical bills, unsecured loan statements, repossession/foreclosure notices, all lawsuits, judgments, garnishment amounts per month, etc.

Important Information for Consumers from ConsumerBankruptcy-Counseling.info:

About the possibility of delays in obtaining your certificate of counseling.

The ConsumerBankruptcy-Counseling.info Project is entirely internet based. Please do not telephone the Project sponsor, i.e., the Tides Center. The Tides Center's receptionists are not trained to help you and you jeopardize the Project's sponsorship by the Tides Center when you tie up telephone lines at the Tides Center.

About the cost of certificates of counseling.

Our $5 per certificate charge is one of the cheapest prices now being charged by any licensed organization for the “certificate of counseling” you must have before filing for bankruptcy.

About debt management programs.

We recommend consumer debtors avoid debt management programs.

About finding a bankruptcy lawyer.

We recommend consumer debtors who need private attorneys use the National Association of Consumer Bankruptcy Lawyers as a resource.

About debtor education certificates.

We recommend consumer debtors use Ypside to obtain these exit certificates from bankruptcy.

Current news about Consumer Bankruptcy Counseling, a Project of the Tides Center.