The Required Documents
This the list of the Documents you must provide to file a Bankruptcy. We do cases in Kentucky and Southern Indiana. We travel to Lexington, Bowling Green and Covington at no additional charge and this Kentucky Bankruptcy Checklist explains what documents and steps you need to file bankruptcy.
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. Keep the documents organized chronologically in groups. No originals please. We destroy paper copies after scanning them into pdf format for the judges and trustees, if you don’t pick them up!
The Required Documents – A Kentucky Bankruptcy Checklist
In Chapter 7 cases we need the prior 6 months of Bank Statements
You will need to supply the statements for all the bank accounts that were in your name over the last 6 months. Include joint accounts you have had for the prior 6 months. Louisville Chapter 13 cases will not need these bank statements. In other districts (Eastern Kentucky and Southern Indiana) you are required to bring the bank statement for the month you filed with you to court. That statement was not available the day you filed.
For both Chapter and 7 and Chapter 13 we need :
- Proof of Household income for the prior 6 months – Examples are the prior 6 months of paystubs, or VA and social security benefit letters stating your income. Household income means a husband & wife’s combined income even if only one person is filing. Yes she or he may not have to file but they use household income to determine the means test. This and your Bank Statements may need updating if you wait to file your bankruptcy.
- Federal & State Tax returns for the prior two years. – IRS Transcripts are not your tax returns we need your filed returns for the prior two years. Tax account transcripts are required if you want to insure you waited long enough to bankrupt income taxes. See our page on how to bankrupt taxes. The court requires you file the prior 4 years of taxes to file bankruptcy. You only supply the last 2 years to the court. The trustee reviews taxes and bank statements to look for income, gifts and transfers.
- Vehicle Titles, Deeds and mortgages – The Trustee will review Vehicle titles for any boats, cars, trailers, and motorcycles titled in your name. If you are on the title for mom’s home or car include it. He is looking for proof liens and mortgages were properly filed. It is rare but in one out of 1000 cases the bank fails to file the lien on the car title or deed. In Jefferson Count we will get the recorded copy of the deed and mortgage for you. In other counties we need the recorded copy of your mortgage showing the book and page number it is recorded on. For Jefferson County you can find liens, deed and mortgage on the County Clerk’s Website www.landrecords.jcc.ky.gov.
- Copy of Driver’s License and Social Security Card – We need a copy of your drivers license and social security card. You must bring these to your hearing to prove your identity. You can substitute a W-2 for your social security card and a government photo ID for a drivers license.
In addition to the documents be sure to:
- 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. Include or attach 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;
Start Fresh also offers courses online or by phone 800-435-9138 our attorney code is NT4459. 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 635 to reopen the case and file the certificate after the case closes. You have to pay a second filing fee plus about 300 as attorney fees for the motions. Both BKcert and Fresh Start automatically file the certificates for you. Other services may not.
You may want to take these extra steps
- You may want to 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 in Kentucky 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.
- To strip a 2nd mortgage or judgment lien – complete our form for stripping a lien. If you have been sued you probably have a judgment lien that needs to be stripped if you own a home.
- Review our credit counseling page which 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. Also under the Bankruptcy tax is information on how to get a 725 Fico score after bankruptcy.
Take the Time to Read the How to file Bankruptcy manual
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 8,000-10,000 dollars. We pride ourselves in planning your bankruptcy. We believe the average person who spends 3 -4 hours to read our book, will 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.
The Fees and Costs
- 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 normally paid through the bankruptcy court as payments are made unless you file at the last minute to stop a foreclosure. Filing at the last minute will delay the foreclosure but the judge wants a couple of payments into the plan if you are filing this in good faith to save the home. All attorneys are paid the same Chapter 13 fee by the court. There is no need to try to save money by using a “cheaper” attorney in a Chapter 13. The worst attorney is paid the same fee as the best attorney. Paying the filing fee in “installments” just makes additional work for the court clerk and draws attention to your case.
- Chapter 7 Attorney Fee: Single Filing $1200.00 – Joint $1400.00 These prices have not changed since 2010 or so. In 2005 the Price was 1000 and 1200. Expect a price increase in 2018 for attorney and filing fees. We have not had one in a long time.
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 for prepetition work, 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 and hauls in the client for an investigation.