Bankruptcy consultations at Mile High Bankruptcy start with a phone conversation where Mr. Milwid asks a few simple questions about income and debts to see if someone needs our help and qualifies for chapter 7 bankruptcy. He also answers as many questions he can about bankruptcy to help clients, before they come in, to see if bankruptcy is right for them. The questions are pretty general, leaving a free office consultation for examining client options in more detail.
People come to initial office consultations in all states of organization. Some folks know every debt and have them printed out in a list. More often, though, clients are in a state of disorganization because the debts are quite old, they have moved and lost a lot of their debt paperwork over the years, or they have been in a state of denial over their financial problems and have been unable to face the specific facts of who they owe and how much.
One main reason people contact bankruptcy lawyers is because they are having their wages garnished and want it to stop. Often times they are upset, of course, about the garnishment, even though they are not yet organized enough to file the chapter 7 and end all garnishments forever.
What is most helpful to bring to an initial consultation is a recent pay stub, a simple list of debts (can be hand written on a piece of paper), and any court papers if a person is being sued or garnished. That’s it.
We do not need the exact amount owed or the addresses of the creditors or the account numbers for the initial consultation. That information comes later in the process when the case is being prepared.
Some people bring a recent credit report, some people bring the bills themselves, and some people don’t bring any paperwork at all to the initial consultation.
Because of our long history of working with people in all walks of life and with all kinds of different situations, we can usually provide a complete bankruptcy analysis of your situation by an in depth conversation with Mr. Milwid.
It does help Mr. Milwid if you can bring a simple estimate of your types of debts and approximate amount totals—“guestimates” are fine (e.g. medical bills $6000, credit cards $1900, car loan $5800, etc.), but we can work with people throughout the process to gain the information necessary to thoroughly complete the chapter 7 bankruptcy paperwork and file the case.
As stated before, we are very experienced, so no matter what your situation is, call the office and have a chat with Mr. Milwid to see how we can help.