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690 Flatbush
Avenue West Hartford, CT 06110-1308
860
236-9350
800 856-6400 toll free 860 523-9101 fax
One Carriage Place
Downtown Waterbury
203 756-6100
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Filing
Bankruptcy: Checklists and Timetables
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Checklist
Chapter 7 Timetable
Chapter 13 Timetable |
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Checklist
To make your bankruptcy case
go as smoothly as possible, please bring as much of the
following information as you can to your first
appointment. You will need to provide us with all of
this information before we can file your bankruptcy
case. (If you are facing immediate foreclosure,
we may be able to file an emergency, "last
minute" bankruptcy for you but this may involve
additional fees.)
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1. |
A sheet listing your monthly
expenses. You can use our online
form to fill this out. |
| 2. |
Documentation of all your
debts, including mortgage and car loan
statements, credit card statements, personal
loan statements, furniture loans, student loans,
tax bills, medical and dental bills, collection
letters, for the last 3 months. |
| 3. |
Monthly banking statements
for all checking, savings, credit union, mutual
fund, stock or other similar accounts for the
last 6 months. |
| 4. |
Utility bills (electric,
gas, telephone, cable tv, cell phone, internet,
water) for the last 3 months. |
| 5. |
Federal and state income tax returns
for the last 4 years, including W-2's and
1099's. |
| 6. |
Paycheck stubs for the last 6 months.
If unavailable, a printout from your employer's
payroll department. If married,
information for both husband and wife is
necessary even if only one of you will be filing
bankruptcy. |
| 7. |
Documentation of any other income
received during the last 6 months,
including Social Security Disability or SSI,
unemployment or workers compensation, pension
payments, rent from tenants, life insurance or
inheritance proceeds, and lawsuit proceeds. |
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Any contributions made during the last 3
years to pension, 401(k), SEP, IRA's or
other similar retirement accounts. |
| 9. |
Copies of any lawsuits, judgments and
court orders entered against you, including
divorce, alimony and child support orders. |
| 10. |
Documentation of any prior bankruptcy filings,
including discharge or dismissal notices, for
the last 8 years.. |
| 11. |
A list of all addresses for the last 3
years. |
| 12. |
Real estate closing papers for any home
or other property you presently own. |
| 13. |
Purchase or sale closing papers for any
property purchased or sold during the last 5
years. |
| 14. |
Any family court orders for child
support, alimony, property division or debt
payment that you are paying or receiving. |
| 15. |
Statements for any individual education
retirement accounts for the last 3 years. |
The following timetables explain what needs to be done to
successfully complete your bankruptcy case. For more
information, see the pages about Chapter 7
Bankruptcy and Chapter 13 Bankruptcy.
Chapter 7 Bankruptcy Timetable
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Time
/ Deadline |
What
Needs To Be Done
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| During
the 6 Months Before Filing. |
Undergo Credit Counseling.
File any tax returns that you have not yet filed.
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| 30
to 60 Days Before Filing. |
Talk to a lawyer.
Sign Fee Agreement with lawyer.
Read 527(a) and 527(b) disclosures.
Decide whether to file Chapter 7
or Chapter
13 bankruptcy.
Get the documents listed in the checklist at the top of this
page ready.
Get together the filing fee and attorneys fees.
Decide if you want to keep property that you are
making payments on, such as your home or a car.
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| File Bankruptcy. |
File (in all cases except "last
minute" filing):
1) Petition.
2) List of all creditors.
3) Statement of Social Security Number.
4) Certificate of Credit Counseling.
5) Disclosure of Compensation for Attorney.
6)
Schedules.
7)
Statement of
Financial Affairs.
8)
Statement of
Current Income and Means Test.
File ("last minute" cases):
1) Petition.
2) List of all creditors.
3) Statement of Social Security Number.
4) Certificate of Credit Counseling.
5) Disclosure of Compensation for Attorney.
Double check that all the information on your
bankruptcy paperwork is correct and
complete. Sign the forms.
Pay Filing Fee of $299
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15 Days After Filing |
File documents to complete
"last minute" cases:
1)
Schedules.
2)
Statement of
Financial Affairs.
3)
Statement of
Current Income and Means Test. |
| 30 Days After Filing |
File Statement of Intent as to redeeming,
reaffirming or surrendering
property that you are making payments on. |
| 1 Week Before Meeting of
Creditors |
Provide trustee with copies of tax
returns and 60 days of pay stubs. |
| About 45 Days After Filing |
Attend the Trustee Interview at the Meeting of
Creditors |
| 45 Days After the Meeting
of Creditors |
Follow through with your Statement of Intent by redeeming,
reaffirming or surrendering
property that you are making payments on. |
| Before Discharge |
Complete Personal Financial Management
Instructional Course |
| About 3 Months After Filing. |
Receive your Discharge. |
Chapter
13 Bankruptcy Timetable
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Time
/ Deadline |
What
Needs To Be Done
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| During
the 6 Months Before Filing. |
Undergo Credit Counseling.
File any tax returns that you have not yet filed.
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| 30
to 60 Days Before Filing. |
Talk to a lawyer.
Sign Fee Agreement with lawyer.
Read 527(a) and 527(b) disclosures.
Decide whether to file Chapter 7
or Chapter
13 bankruptcy.
Get the documents listed in the checklist on this page
ready.
Get together the filing fee and attorneys fees.
Decide if you want to keep property that you are
making payments on, such as your home or a car.
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| File Bankruptcy. |
File (in all cases except "last
minute" filing):
1) Petition.
2) List of all creditors.
3) Statement of Social Security Number.
4) Certificate of Credit Counseling.
5) Disclosure of Compensation for Attorney.
6)
Schedules.
7)
Statement of
Financial Affairs.
8)
Statement of
Current Income and Means Test.
File ("last minute" cases):
1) Petition.
2) List of all creditors.
3) Statement of Social Security Number.
4) Certificate of Credit Counseling.
5) Disclosure of Compensation for Attorney.
Double check that all the information on your
bankruptcy paperwork is correct and
complete. Sign the forms.
Pay Filing Fee of $274
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15 Days After Filing |
File documents to complete
"last minute" cases:
1)
Schedules.
2)
Statement of
Financial Affairs.
3)
Statement of
Current Income and Means Test. |
| 30 Days After Filing |
Make your first Plan Payment. |
| 1 Week Before Meeting of
Creditors |
Provide Trustee with copies of tax
returns and 60 days of pay stubs. |
| About 45 Days After Filing |
Attend the Trustee Interview at the Meeting of
Creditors |
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Before Confirmation Hearing
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Obtain a court order concerning
the fair market value of real estate for any
mortgages which you are attempting to cram
down.
File any amendments to your Plan.
Make sure you are caught up on
your post bankruptcy mortgage payments, your Plan Payments, and any priority debts (such as
alimony, child support and taxes). |
| Attend the Confirmation Hearing |
Appear at court to have your plan
approved by the judge. |
| During the 3 to 5 Years After Filing |
Complete your Plan Payments. |
| Before Discharge |
Complete Personal Financial Management
Instructional Course |
| 3 to 5 Years After Filing |
Receive your Discharge. |
When You Need a Connecticut Bankruptcy
Lawyer,
Rely on Us for Skill,
Determination and Experience.
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Connecticut
Debt
Relief By Filing Bankruptcy
Congress
has designated Serrano & Serrano, LLC a debt
relief agency.
We help people file for debt relief
under the Bankruptcy
Code. |
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Please note that our law firm's website is designed to provide only
general legal information.
This information is not intended to be legal advice for your
individual situation.
Call
us for personal injury, Social Security, divorce, bankruptcy,
immigration, workers compensation and criminal cases.
Portuguese 
Spanish 
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John
Serrano |
Gabriel
Serrano |
Serrano & Serrano, LLC
Connecticut Attorneys
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