Pre-bankruptcy Credit guidance
Clearpoint’s on the web pre-bankruptcy credit guidance (also called “pre-filing” or “pre-petition” guidance) enables you to make the certification that is required by United States Bankruptcy Code just before can seek bankruptcy relief. Our unique guidance system provides a few key advantages
- Get your certification instantly upon doing the guidance
- Complete the guidance at your personal rate
- Talk one on a single with this counselors that are experienced your unique situation
This guidance shall provide you with a significantly better knowledge of all of the options available to you and certainly will prepare you for all of those other bankruptcy procedure.
Here’s a review of how a guidance process works and what you ought to expect.
1. Offer your economic information
Into the session, you certainly will offer different bits of information on your financial predicament, including information regarding why you might be filing for bankruptcy. Here you will find the particulars you shall want to provide
- Earnings documentation (including W-2s/paystubs, Social safety repayments, alimony, and kid support)
- Info on your costs (together with your home loan or lease repayments, meals, insurance coverage, childcare, resources, and transport costs). Note your checkb k is just a resource that is g d determining your costs.
- A listing of the debts your debt (including statements for bank cards, student education loans, automotive loans, and loans against your 401K)
For every single financial obligation, you will need certainly to offer
- The quantity owed
- The attention rate
- The payment amount that is monthly
- The account quantity
- If it is a account that is joint
As s n as these records is submitted, you are supplied with a “financial situation analysis.” This helpful dashboard will show your credit rating, earnings, costs and web worth, and prepare you for a counselor to your conversation. (more…)