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Peter Francis Geraci
The Law Offices of
Peter Francis Geraci
is a U.S. Debt Relief Agency helping you reorganize and eliminate debt
under U.S. Bankruptcy Law in
FEDERAL LAW REQUIRES COMPLETE INFORMATION PROVIDED TO ATTORNEY
Use the following checklist to help you to provide us with important information. This is not intended to be a complete list of necessary information, but rather a guide to assist you. Copy originals at Kinko’s, send us the copy, not the original, in your pink envelope with balance in full, or when you return your signed petition. Copyright 2005 Peter Francis Geraci
1. Family income:
We must show the Court the amount and the source of all your household income. Provide:
q Name & address of your & spouse or live-in employers
q Paystubs for all jobs, full-time and part-time
q Statements showing monthly income from pensions, social security, and all
other income for you & spouse
q Rental income: provide a schedule of rental income and copies of any leases.
q Any divorce decrees or orders of support
q Income tax returns state and federal for past two years, these should be filed
and give to us. Click here for IRS Tax transcript request. If you lost or cannot find your last 3 years tax returns
q If married yet filing alone, provide spouse’s income, same documents as
above.
2. Expenses:
We must be able to prove any ordinary or out-of-the-ordinary expenses which your family may have. Be sure to provide us with:
q Physicians letters explaining high medical expenses
q Tuition bills for private or religious school
q Any divorce decrees
q Receipts for unusual expenses
3. Real estate:
Regardless of whether you are keeping or surrendering your property, the Court must know all about it. If you own real estate, provide the following:
q Fair market evaluation from a licensed realtor.
Click here for Chicagoland recent home sales from Chicago Tribune.
Click here for Northwest Indiana home sales from Tonyseisser.
q Deed or page of title policy showing owners
q Mortgage company statements with balance owed
q Closing statements if purchased in last 2 yrs.
q Real Estate tax bill
4. Vehicles:
Whether keeping or surrendering , the court must know about all vehicles, paid-in-full or financed. If you own, owe on, or are on title to a vehicle, provide:
q Title or registration showing who is on the title.
Click here to Get your recent Car value from nada.com
q Purchase or lease agreement
q Proof of insurance with finance co as “loss payee”
q Finance company statement balance
5. Business:
If you have or had an ownership interest in a business, you must provide the following:
q Assets: Equipment, inventory, accounts receivable, etc. with values. Be
specific in each category
q Liabilities: Business debts, leases/obligations, etc.
q If now engaged in business, current income & expenses
q Agents: All officers/directors, shareholders, employees
q Business tax returns including 1040, 940 and 941
q You must preserve and provide all business records to the Court if asked.
6. Other Assets:
q Life insurance: a statement showing whether the policy is a whole policy or a
term policy. If whole life, provide a statement showing the current cash
surrender value.
q Pensions – Provide the type of pension you have and the amount vested, copy
of statement.
q Stocks – Name of any companies for which you own stocks and the number of
shares you own.
q Inheritances – Has anyone in your family passed away? Are you in line to
receive money or property?
q Provide statements & balances for all of your checking, savings, credit union &
other accounts
q Safe deposit boxes - Provide the location and all persons with access to it.
q Personal injury claims – Provide your attorney’s name, address, and phone
number.
q If you are expecting an income tax refund or any other money from any other
source, provide the source and the amount you are expecting.
q Let us know of any other property that might be sold, transferred, or liquidated
to reduce your debt.
7. Transfers, sales, or losses
If you have sold, given away, or lost anything in the past 4 years, provide:
q A description of the property
q Approximate value
q What you received in return for the property
q Date of the sale, transfer, or loss
q Person who purchased the property or the recipient of your gift and their relation
to you.
q Fire, theft, or accident reports
q Any divorce decrees
8. Lawsuits/claims/Legal proceedings
If you have been involved in any lawsuits or claims for money, whether suing anyone or being sued, provide:
q Type of proceeding – Provide a copy of the complaint
q Names and addresses for all parties
q Names and addresses for all attorneys
q Court location and case number & date of judgment
9. Debts
You must disclose everyone you may owe money to, whether you intend to keep the debt or not. Use the forms we provided to you, attach documents:
q Names, addresses, balances, and account numbers for all creditors
q Dates or periods of time in which debts were incurred
q Description of the type of debt and how it was incurred
q Names/addresses of any collection agencies and/or attorneys collecting for a
creditor.
q All loan documents and credit union agreements.
q All outstanding judgments
q Co-signers and joint account holders name & address
q Don’t forget tax debts, fines, bounced checks, tuition bills, disputed debts
10. Income Tax Copies of last 3 yrs state and federal
q If you have not filed returns for last 3 yrs, no bankruptcy for you unless you
weren’t required to file. If taxes are owed, make an appointment with the IRS
and get a “TAX TRANSCRIPT” Verify if return received by them, date, amount
owed. Same for state taxes. Click here for IRS Tax transcript request.
q Ask for & Complete our “tax chart”
We recommend you get a credit report. You can get one free at www.annualcreditreport.com or by calling 1-877-322-8228 You can also call Experian at 1-888-397-3742, Equifax at 1-800-685-1111, or Trans 1.Union at 1-800-916-8800. They may charge you up to $8.50.