In the course of doing all that, here are some specific issues that we will review and discuss with you:
• Gather all information regarding your debts. We will obtain a credit report for you if you authorize it, to make sure that nothing is left out.
• We need to determine whether you are current on secured debts such as home mortgages and car loans. You need to be current on those in order to file a Chapter 7, and you need to continue making timely payments on those secured debts after filing bankruptcy if you wish to keep the home or car.
• I will provide you with a list of approved providers for credit counseling. You must take a credit counseling course in order to be able to file for bankruptcy.
• You need to decide whether to reaffirm your debts and to assume any leases. What this means is that you may decide to make a particular debt an exception to discharge. For example, you may decide to keep a leased or financed vehicle.
This list is not inclusive for each and every client, but is provided to give you a better idea of the process.