This the list of the Documents you must provide to file a Bankruptcy. To file your bankruptcy, the following documents are required (you may scan, fax 502-625-0940, give us a hard copy or upload the documents in pdf format when you fill out our intake). No originals please – we destroy paper copies after properly scanning them!.
Kentucky Bankruptcy Checklist the required documents
For both Chapter and 7 and Chapter 13 we need :
- Proof of Household income for the prior 6 months – Examples are the last 6 months of paystubs, or a social security benefit letter stating your income. (household income = husband & wife’s gross income even if only one person is filing)
- Bank Statements for all open bank accounts in your name (include joint accounts) for the prior 6 months. Louisville Chapter 13 cases will not need the bank statements. Be prepared in other districts (Eastern Kentucky and Southern Indiana) to bring the bank statement for the month you filed with you to court. That statement was not available the day you filed.
- Federal & State Tax returns for the prior two years. IRS Transcripts are not your tax returns
- Vehicle Titles for any boats, cars, trailers, motorcycles titled in your name. If you are on the title for mom’s car include it.
- Deed and Mortgage – Recorded copy showing book and page numbers. For Jefferson County you can find liens, deed and mortgage on the County Clerk’s Website www.landrecords.jcc.ky.gov/records/S0Search.html other counties go to the court clerk.
- Copy of Driver’s License and Social Security Card (you must bring these to your hearing)
- Fill in the intake on our website. List the name, address, and amount of all debts (free credit reports are available at www.annualcreditreport.com 1-877-322-8228 Credit reports are useful to provide addresses and account numbers for some but not all of the creditors.)
- List the name and address of any Child Support or Alimony Recipient in the intake as a debt.
- Proof of Large or Extraordinary Expenses (medical expenses, charity, etc.)
- Credit Counseling Certificate Your case CANNOT be filed without the Credit Counseling certificate. Services we recommend include: www.bkcert.com where phones are answered 24 hours a day 7 days a week it may be a little more expensive, but it is extremely fast. You can contact them at 866-859-7323; www.startfreshtoday.com The Start Fresh also offers the courses online or by phone 800-435-9138 our attorney code is NT4459; the cheapest place offering credit counseling courses is www.mybknow.com and here is my code for a 10 dollar discount 2537DTMV. You should take the second “Debtor Education course” immediately after the case is filed or you may not receive a discharge. Every year someone forgets to file the second course. It costs about 600 to reopen the case and file the certificate after the case is closed (a second filing fee about of about 300 and attorney fees for the motions). Both BKcert and Fresh Start automatically file the certificates for you. Other services may not.
- Take an extra step and download the record all calls app for your phone. Debt Collectors may call and violate the law by being untruthful, rude or by demanding payment after they know a Bankruptcy was filed. They will often deny they made the call. Your recorded calls are admissible as evidence if you wish to sue them for contempt or an FDCPA violation. You can also download our checklist to record a history of the calls and should keep any paperwork sent to you by a lender after you have filed.
In addition to the items on the Kentucky Bankruptcy Checklist:
- To strip a 2nd mortgage or judgment lien – complete our form for stripping a lien.
- It takes 3-4 hours to read our book. The average person that reads our book will get about 8,000 dollars more benefit from filing their bankruptcy than someone that doesn’t.
- in the next step our credit counseling page has information on getting your credit report, social security card replacement and other information. Under the bankruptcy tab you will find the questions asked at court by the trustee and services on repairing your credit after filing.
Please take some time to learn about bankruptcy and work with us to achieve your goals. The average person that doesn’t plan their bankruptcy loses at least 8,000 dollars. We pride ourselves in planning your bankruptcy. We believe that the average person will spend 3 hours to read our book, be prepared and save time, stress and money. You won’t know what to avoid and what to do unless you read and become educated. Your bankruptcy will always be much easier and more profitable if you understand and work with us to get the results you deserve. You should also take a day to read the free Dave Ramsey book “Starting Over” we give you. This book helps you to start your life over on a successful budget with good credit so you can qualify for mortgages and car loans at normal rates after filing.
- Filing Fee $335.00 for a Chapter 7
- Filing Fee for a Chapter 13 $310.00 plus $25.00 for mailing the plan to creditors (same as the Chapter 7)
- Chapter 13 Attorney Fees: are paid through the bankruptcy court as payments are made. All the chapter 13 attorneys are paid the same fee by the court. There is no need to try to save money by using a “cheaper” attorney in a Chapter 13. The worst attorneys are paid the same fee by the court as the better attorneys.
- Chapter 7 Attorney Fee: Single Filing $1200.00 – Joint $1400.00
Ethical rules require attorney fees are paid before the case is filed in a Chapter 7. Bankruptcy attorneys cannot collect fees from a client after the case is filed just like creditors cant collect after the case is filed. Listen here to Judge Lloyd ordering an investigation and prosecution of one local attorney and his clients for collecting after the case is filed. She admonishes the attorney for unethical behavior for a whole hour.
- We do cases in Kentucky and Indiana. We travel to Lexington and Covington at no additional charge.