How Do I Start a Bankruptcy Case ?

Posted by Kevin Ryan | Aug 19, 2016 | 0 Comments

Initial Office Consultation 

A bankruptcy case should always start with a confidential meeting with a bankruptcy attorney.  This is commonly referred to as an initial office consultation.  At our firm, we will send out to every prospective client a Document Checklist and a New Client Information Worksheet Client Tools Page .   The items listed on the document checklist may not all be applicable to your particular situation, but you should go down the checklist and mark off these items one by one    Of primary importance to every case are your last two (2) years federal income tax return forms as filed with the Internal Revenue Service and your pay stubs for the past six ( 6) months.  You can obtain a transcript of your federal income tax returns for free at the following website:  IRS Tax Return Free Transcript

Document Checklist 

During the initial office consultation, we will review all of the documents you have brought in off of the Document Checklist.   If you have filled out the Client Information Worksheet, we will go through all of the information on that worksheet together to make sure everything is covered in detail.   Your preparation of these documents will accomplish two important goals. First, the completion of the information worksheet and checklist will jog your memory about information you may not otherwise recall at the initial consultation.  Second, this preparation work will get you ready for the meeting of creditors which will be scheduled in your case.  A thorough review of your information prior to the initial consultation will make the process move forward faster, and will assist your attorney in the preparation of the documents that have to be filed in every bankruptcy case.   

Creditor Information   

It is very helpful in any bankruptcy case for the client to make a complete list of the names, addresses, account number and approximate balances owed for every creditor.   In addition to the primary creditor information, the list should include the name and address of any collection company or law firm that is collecting on the account.  If you have received any legal documents such as a Summons and civil complaint, Notice of Judgment, Notice of Wage Garnishment, foreclosure notices from your lender, etc, please bring this information to the consultation.   You can get a free copy of your credit reports  here:  free credit reports .   

Case preparation is one of the most important aspects of any bankruptcy case.    The more informed you are about the necessary information related to your case, the better the experience you will have in your matter.   

About the Author

Kevin Ryan

"I'll never be the kind of attorney your creditors want me to be. I'll always be the kind of attorney you NEED me to be. Call me. I'll BE there for you. And I'll make them go away."  -Kevin Ryan, Attorney at Law Kevin Ryan is a graduate of the College of Wooster and the Cleveland Marshall College of Law. He is admitted to practice before all Alabama State Courts, the United States District Court for the Southern District of Alabama, and the United States Bankruptcy Court for the Southern District of Alabama. The United States Bankruptcy Court is a part of the United States District Court. Since 1998, Mr. Ryan has represented thousands of individual clients in bankruptcy, criminal, divorce, probate, personal injury, and real estate matters.  Attorney Ryan is also a licensed real estate agent in Alabama.  He handles  Bank-owned properties, short sales, and conventional sales in addition to conventional real estate listings.   This wide range of experience enables Attorney Ryan to take a wider look at your legal matter. It is important to consult with an attorney who can see from experience how other legal issues may affect your situation, and advise you accordingly. Personal Info Kevin Ryan is a member of First Baptist Church in Silverhill, Alabama. He resides in Silverhill with his wife Jessica and their three children. Committed to helping our Clients achieve a fresh financial start Our practice focuses primarily on consumer bankruptcy matters under Chapter 7 and Chapter 13 of the United States Bankruptcy Code.  Our law practice also includes matters where bankruptcy litigation, appellate work, or involvement in civil lawsuits is needed by a client.     No representation is made that the quality of any of these legal services is of higher quality than another attorney or law firm.   The United States Bankruptcy Code requires the following notice:  We are a Debt Relief Agency, which means we help people get legal relief from their Debts through the bankruptcy process. Interested in learning more about our bankruptcy attorney near Mobile, Alabama? Contact Us for help with chapter 7 bankruptcy or chapter 13 bankruptcy in Mobile, Baldwin and Washington counties. Education Juris Doctor, Cleveland Marshall College of Law, 1997 Employed full time as a paralegal while attending law school in the evenings. B.A., The College of Wooster, 1994 NCAA Div.III All Conference (N.C.A.C.) Football Team : Defense 1993; Most Inspirational Senior Award 1993; Co-captain 1993; Letterman 1991-1993; Phi Sigma Alapha Fraternity 1991-1994; Athletic Director Jurisdictions Admitted to Practice Alabama


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We serve the following localities: Choctaw county, Washington county, Clarke county, Monroe county, Escambia county, Mobile County including Eight Mile, Grand Bay, Irvington, Mobile, Prichard, Saraland, Semmes, Theodore, and Tillmans Corner; and Baldwin County including Bay Minette, Daphne, Fairhope, Foley, and Robertsdale.

I'll BE there for you.

I'll never be the kind of attorney your creditors want me to be. I'll always be the kind of attorney you NEED me to be. Call me. I'll BE there for you. - Kevin Ryan, Attorney at Law