87 Things You Need To Know Before You File Before You File

87 Things You Need
to Know
Before You File
Bankruptcy
Written and Published by

Victoria Ring, Bankruptcy Paralegal
1601 W Fifth Avenue, #123
Columbus, Ohio USA
Voice: (614) 486-7642 Fax: (614) 486-8840
updated April 22, 2002
email: victoria@victoriaring.com
website: http://www.bankruptcyparalegalservices.com
An Important Message to the Readers:
This free ebook provides information from the knowledge and viewpoint of a bankruptcy paralegal.
However, laws and procedures change frequently, and they can be interpreted differently by different
people. For specific advice geared to your particular financial situation, consult a qualified bankruptcy
attorney. No book, software, or other published material is a substitute for personalized advice from a
knowledgeable attorney licensed to practice law in your state.
An Important Message to Legal Professionals:

Since this book is provided free, you also have the author’s permission to reproduce it in any manner
you feel will benefit your client base. All that is required is that you mail a copy to Victoria Ring, 1601
W Fifth Ave #123, Columbus OH 43212-2303. Also, please email or call Victoria at 614-486-7642 if
you would like a version of this book printed that is customized with your name and address. This book
may also be distributed over the internet as a PDF document as long as it is it not offered for sale.
Interested in Starting a Business?

If you would like to offer bankruptcy petition preparation services in your area, we have developed a
program which allows you to make extra money from your home. There is no cost to get started.
Simply go to http://www.lawyerassistant.com to review our services for legal professionals. Fill out
the online form and you will receive a free personalized set of bankruptcy intake forms, customized
with your name and address. Make copies of the forms, charge the fee allowable in your state as a
petition preparer and send the forms to us for processing. Some legal professionals using our service
charge as much as $200, pay us $99.95 and make a healthy $100 profit from each petition. Please call
Victoria Ring at 614-486-7642 after you have reviewed the website if you are interested in performing
this service as a home business or add-on to your established practice.
Earn a $15.00 Referral Bonus:

If you have a friend, relative or co-worker interested in filing bankruptcy, please make a copy of the
forms in this book (starts on Page 16) and give them to fill out and return to us. Be sure to write your
name and address on the “Referred By” line at the top of the GENERAL INFORMATION form. When
we receive the petition with your name and address on the “Referred By” line, we send you a $15.00
referral bonus check. There is no limit to the number of referral checks you can receive, so if you like
our service -- get paid for it by referring clients to us.
TABLE OF CONTENTS
Page
Who Will Benefit From This Information ..................................................................... 1

Overview .................................................................................................................... 1
Free Forms Included .................................................................................................. 2
Paid Services ............................................................................................................. 2
How to Determine if you Should Hire Victoria Ring to
Prepare Your Bankruptcy Petition .............................................................................. 2
Summary of Skills and Experience of Victoria Ring ................................................... 3
How Hard is it to File a Bankruptcy Petition? ............................................................. 4
Some Terms You Need to Know Concerning Bankruptcy ......................................... 4
Chapter 7 Bankruptcy ................................................................................................ 6
Chapter 13 Bankruptcy .............................................................................................. 6
Changes in Payments During a Chapter 13 Bankruptcy ............................................ 7
Chapter 11 Bankruptcy .............................................................................................. 7
Steps That Occur for Either a Chapter 7 or Chapter 13 Bankrupcty .......................... 8
Other Facts that You Need to Know .......................................................................... 8
Debts That Cannot Be Discharged ............................................................................. 9
The First Steps in Preparing a Bankruptcy Petition .................................................... 9
How Your Credit Will be Effected by Bankruptcy ....................................................... 11
Other General Questions and Answers...................................................................... 11
Websites to Help you Learn More About Bankruptcy ................................................. 14
Summary .................................................................................................................... 15
Information-Gathering Forms for the preparation of Your Bankruptcy Petition .......... 19
87 Things You Need to Know
Before Filing Bankruptcy
WHO WILL BENEFIT FROM keeping people under debt forever was not
THIS INFORMATION good for their society as a whole. By “forgiv-
ing” debts every 7 years, those experiencing
This ebook that you downloaded from the the heavy burden of debt could now afford to
internet is dedicated to helping the following put money back into the economy and
types of people: hopefully stay out of debt so the problem did
not occur again — thereby causing the
(a) Consumers — people who are society as a whole to grow and prosper.
interested in learning more about bankruptcy
and/or interested in filing their own bank- Our United States government knows that if
ruptcy petition. there is no way to forgive heavy, burden-
some debts, many people will eventually end
(b) Paralegals — legal professionals up on welfare just to survive, thereby raising
working for an attorney/boss who is consid- taxes, causing high unemployment, effecting
ering offering bankruptcy services to clients prices and causing other companies to go
and is unfamiliar with some of the basic out of business because the majority of
procedures. people couldn’t afford to buy their products
or much less, anything else — even if they
(c) Attorneys — legal professionals wanted to. This situation would eventually
who do not normally offer bankruptcy ser- collapse the economy of our society.
vices to clients, but are interested in doing
so. The forms included in this ebook can be Therefore, don’t believe everything your
printed and used in your own law office as friends, neighbors and high-pressured debt
master intake interview forms for your own relief companies tell you. Instead, read the
clients. information in this ebook and ask questions
of competent bankruptcy attorneys who are
OVERVIEW available free of charge on the internet or
through a group of legal professionals such
A person just doesn’t wake up one morning as Pre-Paid Legal. (Most bankruptcy attor-
and say, “Hey, I think I will file bankruptcy neys provide a free initial consultation, so
today.” Instead, it is normally a long process feel free to consult with one about your
of worry, struggle and guilt before people particular financial situation who practices
reach this point. However, the decision to file law in your state and jurisdiction.)
bankruptcy is the legal right of every citizen
in the United States. Always remember that “fear of the unknown”
is a natural reaction for human beings who
To give you a quick history lesson — the are unsure about a subject. However, this
bankruptcy law is derived from the same ebook was written to take the fear out of the
type of laws the Jewish nation enacted back word “bankruptcy.” Most importantly, it will
in the Old Testament period. Every 7 years educate you so you can make a more
their debts would be forgiven and they could informed decision about whether filing
start fresh. (It was called the “Year of Jubi- bankruptcy is in your best interest or not.
lee.) These laws were not enacted because
the society wanted to be “nice and sweet to Filing bankruptcy is not necessarily for
people”; it was done because they knew that everybody, as you will soon see; and after
“87 Things You Need to Know Before You File Bankruptcy”
Page 2
reading this ebook, you will be in a better HOW TO DETERMINE IF YOU SHOULD
position to make an educated decision about HIRE VICTORIA TO PREPARE YOUR
your present financial condition. If you decide BANKRUPTCY PETITION:
to go ahead with the process of filing bank-
ruptcy, at least you will know what to expect As stated before, Victoria Ring is a
after reading this ebook. bankruptcy paralegal. If she reviews your
intake forms (included in this ebook) and
FREE FORMS INCLUDED determines that your case may require
litigation that only an attorney can provide,
Beginning on Page 19 of this ebook, a com- she will return your intake forms and pay-
plete set of intake interview forms are pro- ment with a letter explaining why she has
vided for you to print out, fill out and mail in at made this decision.
your convenience if you decide you want to
file your own bankruptcy and have Victoria The best way to determine if hiring
Ring prepare your official bankruptcy petition. Victoria as a bankruptcy paralegal to pre-
You may also use them to “sort out” your pare your bankruptcy petition paperwork is
financial situation or take with you to a free by using the following guidelines:
consultation with the attorney of your choice.
Or, if you are an attorney or paralegal, you 1. Do you have less than $500 per
have the author’s permission to print out the month left after you pay your normal living
forms, remove Victoria’s name from them and expenses (rent, car payment, food, clothing,
use them for your own law office for your own insurance and utilities)?
clients.
2. Do your debts mainly consist of
PAID SERVICES credit cards, medical bills, repossessions,
and/or wage garnishments?
Victoria Ring is employed as a full-time
bankruptcy paralegal for a medium-sized law 3. Have you recently lost your job,
firm in Columbus, Ohio. She has experience or had a decrease in your normal income?
working on the debtor, as well as the creditor
“side of the fence,” and is very knowledgable 4. Have you recently divorced or
in many areas of bankruptcy. separated from your spouse and the debts
are too much for you to handle?
In an effort to “give back” to the legal commu-
nity and to help the average consumer, However, if you own several automobiles
Victoria provides pro bono services over the with a market value of $1,500 or more
internet to low-income or no-asset individuals each, own several properties, have a large
and families for a fee of $99.95. This fee is amount in a 401K or other investment, own
then donated or given back to the legal expensive furs and jewelry, or have col-
community and/or Christian organizations lectibles, art and other items that have a
Victoria has chosen to support, depending on high cash value — I strongly urge you to
the current need. seek the advice of a bankruptcy attorney in
your area. (Check your local phone direc-
In this manner, Victoria Ring can remain bias tory and call each one until you locate an
and not violate any laws relating to the unau- attorney that specializes in bankruptcy law;
thorized practice of law, which is not her preferably one that does nothing except
intention in any way. debtor bankruptcy.)
Page 3
The reason for this is because if you have a

large amount of money in assets (items you
own free and clear), you may be asked to Short Resume of
have those items appraised and a portion of
that money paid by you to satisfy some of the Victoria Ring
creditors you owe money to. In a situation like
that, a good bankruptcy attorney can help you Summary of Skills:
to protect more of your assets than a parale-
gal has power to do. Typing speed of 95-110 words per
minute with 97% accuracy rate
22 years of part-time, full-time and
But, regardless of your financial situation, I independent contract experience with a
hope you enjoy reading this ebook because it variety of law firms
will help you understand about bankruptcy. 5 years of solid experience in
Then you can decide which direction is best bankruptcy law as a paralegal
for you to go in at this time. 19 years experience in administra-
tive and office management, business
OnLine Information operations, organization, communication and
customer/employee relations
Visit the website of your local bankruptcy Author and publisher of 17 booklets,
2 full-length videos and 6 training CDs.
court, take the virtual consumer tour, read
Seminar speaker and paralegal
bankruptcy articles, questions and answers trainer for debtor bankruptcy topics.
from consumers, purchase a training CD for
your paralegal and a lot more. Visit: Educational Background:
http://www.bankruptcyparalegalservices.com/
Constitutional Educational Research
Foundation (CERF), Paralegal Certificate
Ashworth College, Associates
Degree in Paralegal Studies
Columbus Business University,
Major: Business Management, Minor:
Accounting
After graduation from Columbus
Business University, was employed as
instructor for the Secretarial Procedures
class for 2 semesters.
Affiliations:
Columbus Bar Association, associ-

ate paralegal member since 2000.
Paralegal Association of Central
Ohio, served on the Board of Directors as
editor of The Citator for one term.
National Federation of Paralegal
Associations.
National Notary Association.
Licensed as a Notary Public in the
state of Ohio.
Page 4
HOW HARD IS IT TO FILE BANKRUPTCY? 2. Any wage garnishments taken

out of your check will cease to be lawful. If
Filing a bankruptcy petition is as simple as the garnishment is taken out of your check
taking the original and four (4) copies of your after you file bankruptcy you may be en-
entire bankruptcy petition to the Bankruptcy titled to a refund.
court in your area. You will simply walk up to
the desk of the Clerk of Court, hand him/her 3. Any foreclosure or replevin action
your paperwork and pay the required filing currently taking place on your home or
fee. (Chapter 7, $200; Chapter 13, $185.) other real property is stopped. Money
judgments cannot be collected from you but
The Clerk will look through your petition to the creditor may petition the court to re-
make sure you have all the papers in order. move the “bankruptcy stay” (depending on
He/she will then place them into a machine the circumstance) in order to try and repos-
that stamps the current date and time. (Some sess the home or piece of real property.
smaller courts use a hand stamp and others
use a rubber stamp and hand write the date 4. Any Sheriff’s sales are stopped
and time on the blank line.) immediately.
The Clerk will keep the original and 2-3 5. Any taxes you owe that are
copies for their own use. They will hand you currently being collected on by the govern-
back the extra copies for you to keep and ment are put on hold (while your debts are
make copies of (if needed) by creditors who being reorganized.)
request it. A Judge will also be assigned to
your case at this time. 6. Any individual or company who is
in the process of repossessing your auto,
The whole process of filing your own bank- boat, furniture, appliances, or anything else
ruptcy petition normally only takes about 10 you own are stopped immediately and they
minutes to complete (about the same amount cannot remove anything without the Bank-
of time it takes to renew your driver’s li- ruptcy Court’s permission.
cense.)
SOME TERMS YOU NEED TO KNOW
But the very moment your bankruptcy petition CONCERNING BANKRUPTCY
is stamped with the date and time by the
Bankruptcy Court, you have just put into 7. Creditor — This is the person or
effect a type of “umbrella” for yourself. This is company you owe money to because they
called the “bankruptcy stay” law. What this extended credit to you.
means is that:
8. Debtor — This is YOU. You owe
1. Any company or person(s) you owe debts, so you are a debtor.
money to is not permitted to contact you in
any way (once they receive notice in the mail 9. Secured Debt — This is a debt
from the court) without petitioning the Bank- you owe for an item that could be taken
ruptcy Court to remove the “bankruptcy stay” away from you if you don’t pay the bill. For
(which you would have advance notice of, if it instance, if you don’t make your house
occurred, and be allowed time to answer the payment, the creditor (or bank) you owe
motion.) can repossess your house.
Page 5
10. Unsecured Debt — This is a debt 15. Relief From Stay — This is a
you owe for something that cannot be taken court order, requested by a creditor, who
from you. For instance, anything you charge asks the court to lift the “Automatic Stay”
on a credit card is an “unsecured debt.” If you that was immediately put in place when you
don’t pay the MasterCard bill this month, they filed your bankruptcy petition. If a creditor
cannot come and take whatever you bought is granted a “Relief from Stay,” the debtor
with the credit card. All they can do is harass (you) will receive notice from the court of its
you on the telephone until you pay the bill, existence and the bankruptcy attorney can
turn the bill over to a collection agency, or prepare a Motion on the debtor’s behalf to
attempt to get a judgement against you request the court to remove the Relief from
(depending on the amount you owe them.) Stay. (Of course, there must be a lawful
reason to do so.)
11. Asset — This is something you
own that has resale value. Your car, TV set, 16. Reaffirmation Agreement —
computer, stocks, bonds, bank accounts, This is what you file with the court if you
piggy bank, clothes, bed, etc. are all things decide to pay a creditor outside your bank-
that have some type of value that could be ruptcy. For example, you may want to
turned into cash. These types of things are reaffirm with Bob’s Auto Sales when you file
your assets. your Chapter 7 bankruptcy petition, be-
cause you want to keep making payments
12. Discharge — This is what happens on your car since you need it to get back
when your debts are erased and you have and forth from work.
completed your bankruptcy.
The creditor (i.e., Bob’s Auto Sales) will
13. Exemption — There are exemp- normally send you an Agreement to sign
tion allowances allowed by the Bankruptcy and mail back to them. In turn, they will sign
Court to protect the assets you own that you it and send to the bankruptcy court for filing.
need to keep in order to live a normal life. For This assures the creditor that they will
instance, you need a house to live in, a car to receive all money you owe them.
drive, transportation to maintain the car,
clothes to wear, medicine refills, personal 17. Trustee — This is a real “live”
care items, etc. The law allows you to keep person that works for the Bankruptcy Court.
these types of items by allowing you exemp- When you attend your first hearing, you will
tions on them. Each state has it’s own exemp- meet the Trustee assigned to your case.
tion allowances. However, when anything you He/she will review your bankruptcy petition,
own is totally exempt from the bankruptcy, no ask you some questions, ask questions of
one can take it away from you. any creditors who may be present, and then
tell you if he/she needs any additional
14. Automatic Stay — We covered documents from you before recommending
this before, but to reinterate, the moment a your case for confirmation to the Judge.
bankruptcy is filed, all creditor activity to
collect debts, obtain judgments, or obtain 18. Conversion — This is when you
property of a debtor to satisfy a debt is com- start out by filing one chapter of bankruptcy
pleted stopped. This is the protection pro- and decide later to file another chapter. For
vided to you as a person or company under example, you originally file a Chapter 7 but
the Bankruptcy law in the United States. decide to convert to a Chapter 13.
Page 6
19. Dismissal — Among other things, (Note: There is pending legislation currently
your bankruptcy case can be dismissed at being debated in Washington D.C. to change
any time if you fail to comply to any rules, this law, making it harder for people to file a
don’t turn over asset monies that are re- Chapter 7 and forcing them to file a Chapter
quested by the Trustee or if you convert from 13, but the law has not been enacted as of
one Chapter of bankruptcy to another. Your the date this ebook is written.)
case is “discharged” if you completely pay off
your Chapter 13 or when your Chapter 7 is CHAPTER 13 BANKRUPTCY
legally finished.
23. In order to be eligible to file a
CHAPTER 7 BANKRUPTCY Chapter 13 bankruptcy, you must be able to
meet these guidelines:
20. In order to be eligible to file a
Chapter 7 bankruptcy, you must be able to • You must reside or have a
meet the following guidelines: domicile, a place of business, or property in
the United States.
• You must reside or have a
domicile, a place of business, or property in • Have a steady source of
the United States. income so that you can make regular
payments to the Trustee.
• You must not have received a
bankruptcy discharge within the last six (6) • The total amount of your
years or have had a bankruptcy case dis- debts cannot exceed $750,000.00 and
missed within the last 180 days. unsecured debts cannot be more than
$250,000.00.
21. People who file a Chapter 7 bank-
ruptcy do so in order to discharge their debts 24. People who file a Chapter 13
and get a “fresh start” in life. There are no bankruptcy do so in order to keep property
income requirements to file a Chapter 7 and in which a creditor has a lien — like a house
people who file this type of bankruptcy are or car, or if payments are behind and the
those who can no longer afford to repay all creditor is about to foreclose or repossess
their debts due to illness, unemployment, the property. The filing of a Chapter 13 will
marital problems, unexpected medical ex- stop the foreclosure sale and allow the
penses, over-extended credit or other large person 3 to 5 years to repay some, but not
expenses. However, not all debts can be all of their debts. Rather than wiping out all
discharged. For example, alimony, student their debts in a Chapter 7 proceeding,
loans, child support and taxes that are less Chapter 13 allows a person to reorganize
than 3 years old are non-dischargeable and and pay a certain percentage of their debts
must be repaid in full. over a period of 3 to 5 years. The unpaid
balance is discharged after the payment
22. Most consumers file a Chapter 7 plan is completed. Payments are made
bankruptcy and then reaffirm on the debts from each paycheck to the Chapter 13
they want to continue paying. For instance, Trustee, normally through employer wage
you can file a Chapter 7 and reaffirm on your deduction.
house. This could possibly erase your other
debts and you would continue making your 25. A Chapter 13 is NOT a bill con-
house payments like you normally do now, solidation loan, although many people look
outside the bankruptcy. at it that way. Although it is a similar con-
Page 7
cept, a bill consolidation loan is money actu- 31. Nothing stays the same. During
ally loaned to you to repay other creditors and the 3-5 years that you are making regular
you in turn pay back the lender. In a Chapter payments to the Chapter 13 Trustee any-
13, no money is loaned to you because you thing could happen. You may lose your job.
make your monthly payments to the Bank- Your spouse may lose their job. You may
ruptcy Trustee, who disburses the money have a new baby, which brings on added
among your creditors. No money is loaned to expenses. You may inherit some money.
you. Your old car may conk out and you will
have to replace it in order to continue
26. Your priority claims are paid first in getting back and forth to work. In fact — a
a Chapter 13. Priority claims include debts for million different things could happen, which
things like taxes, child support, etc. means your Chapter 13 payment can be
lowered or raised depending on the circum-
27. The amount you owe unsecured stance.
creditors, like medical bills, credit cards, etc.
can normally be paid back as low as 10¢ on For most people, when some-
the dollar. (This figure is not written in stone. thing occurs where they cannot make a
It is subject to change depending on your Chapter 13 payment one month, will simply
individual State laws, type of debt it is, as well not pay it. This is a very bad idea. All you
as the income and budget of the debtor.) need to do is contact your attorney and ask
them to file a Motion to Modify the Chapter
28. You are allowed to keep your 13 Plan. You will need to go to their office
home, car and everything else you own when and supply the attorney with new, updated
you file a Chapter 13 as long as you make income and budget information, which
regular payments to the Chapter 13 Trustee. explains why you cannot make your normal
Chapter 13 payment. It will take a couple of
29. Your attorney or paralegal will also months to get all the paperwork approved
file a Chapter 13 Plan with your bankruptcy through court, but it will save you from
petition that details the amount of your defaulting on your Chapter 13 payments.
monthly payments and the length of time you
are going to be in the Chapter 13 Plan. 32. If you need to go into debt and
purchase something on credit while you are
30. This amount you pay each month going through a Chapter 13 bankruptcy,
to the Trustee is determined by the amount of your attorney can file a Motion to Incur Debt
money you currently make and how much for you. This will allow you the needed
money you need to live on each month. A money to purchase the item. (Example: Sell
good Chapter 13 bankruptcy attorney or his one car and purchase another one.)
paralegal is skilled at balancing these two
figures so you can easily afford the Chapter CHAPTER 11 BANKRUPTCY
13 payment each month. It is not to the
advantage of the attorney or paralegal to give 33. Chapter 11 is similar to a Chapter
you a payment you can’t afford. This would 13, but it is used by larger businesses or
cause problems later down the road. So individuals with a large amount of assets or
don’t be afraid that your payment will be too debts that exceed one million dollars. In a
high for you to afford. Chapter 11 bankruptcy you are allowed to
still operate your business but your credi-
CHANGES IN PAYMENTS DURING A tors and the court must approve a plan to
CHAPTER 13 BANKRUPTCY repay your debts. There is no Trustee
Page 8
unless the judge decides that one is neces- 38. At your Meeting of Creditors a
sary; however, if one is appointed to a Chap- judge is normally never present. Instead,
ter 11 case, the Trustee will take control of the Trustee will ask you some of the same
the business and property. questions you answered when you first
filled out the paperwork for the attorney or
(Note: I will not be covering Chap- paralegal. You may be asked to provide
ter 11 in this ebook because most consumers him/her with copies of your tax returns,
file a Chapter 7 or Chapter 13 bankruptcy. bank statements, titles to motor vehicles, an
Please consult with an attorney if you are appraisal of your home (if you own one)
interested in filing a Chapter 11.) along with a recorded mortgage and deed;
or the Trustee may be satisfied with your
STEPS THAT OCCUR FOR EITHER detailed bankruptcy petition and not request
A CHAPTER 7 OR CHAPTER 13 anything.
BANKRUPTCY
39. In actual practice, creditors rarely
34. The Bankruptcy Court will send a appear at these hearings; however, a
notice to all the creditors listed on your representative from one of the companies
creditor’s matrix (people/companies you owe you owe, or a person you owe, may show
money to.) This notice is normally mailed out up at this meeting. They normally only
5 days after you file your petition. appear to ask where the secure item is and
if it is insured. Normally, their conversation
35. If you owe any secured creditors is with the Trustee only, not you.
(mortgage company, automobiles, furniture
stores, etc) you are required to notify them 40. If your bankruptcy case is a “no
yourself. This is done by making a copy of the asset” Chapter 7 bankruptcy, and if your
Certificate of Service and Statement of bankruptcy petition is detailed and provides
Intentions (two legal papers included in your all the information the Trustee requires, this
bankruptcy petition) and mailing them directly meeting (hearing) will normally only last 5-
to the creditor with a copy of your Voluntary 10 minutes. Remember, you are not going
Petition (2 pages.) You must notify them to court because you committed a crime
immediately after filing your petition, hopefully and have to appear in front of a judge.
before the Bankruptcy Court notifies them Filing for bankruptcy was a “voluntary”
through normal process. choice you made. You have committed no
crime unless you fraudulently attempt some
36. The Bankruptcy Court will also criminal act such as hiding your assets,
normally mail you a notice informing you that committed tax fraud, etc.
you are eligible to file bankruptcy. Do not be
confused. You don’t have to do anything with OTHER FACTS YOU NEED TO KNOW
this notice but keep it in your personal file and
wait on the notice that tells you the date and 41. Any debts you make AFTER you
time of your first hearing (see below.) file your bankruptcy petition cannot be
included in your bankruptcy.
37. The Bankruptcy Court will then
send all your creditors, including you, a notice 42. Any debts you made BEFORE
informing you of the hearing date when you you filed your bankruptcy petition, but forgot
should appear in court. This hearing is often to include when you filed, can be added by
referred to as the “Meeting of Creditors” or your attorney or by filing an Amendment
“341 Meeting.” with the Bankruptcy Court.
Page 9
43. After your bankruptcy is over and THE FIRST STEPS IN PREPARING TO
the creditors have been satisfied, any lien you FILE A BANKRUPTCY PETITION
have is not automatically removed from your
property. An attorney will need to be hired to 46. Take a file folder and put a
remove the lien. statement from every creditor that you owe
in it. If you don’t receive a monthly state-
44. Never make the mistake of running ment from the creditor, put the following
up debts on all your charge cards and then information on a sheet of paper about the
filing bankruptcy immediately thereafter. You debt and place it in your file:
could be held responsible for any charges
you made within the last ninety (90) days if • Name and complete mailing
these expenses were not necessary for your address of who you owe;
day-to-day living expenses. • Your account number (if
applicable);
DEBTS THAT CANNOT • The name of who owes the
BE DISCHARGED debt (husband, wife or both);
• The total amount you owe
45. Some of the debts you owe cannot this creditor;
be forgiven in bankruptcy and will need to be • How much your monthly
repaid by you. Even if the debt is included in payments are;
your original bankruptcy petition, any unpaid • The date you originally went
balance must be paid by you when the bank- into debt with this creditor. (If you can’t
ruptcy is over. The types of debts I am refer- remember the exact date, just an approxi-
ring to include, but are not limited to the mate year [i.e., 2001, 2002, 2003, etc.] will
following: do);
• If the debt is for a credit card,
• credit obtained by false pre- record the last date you charged on this
tenses or acts of fraud; credit card. If you charged less than 90
• all taxes, customs or duties; days ago, you need to write down the
• debts owed for fines and amount you charged and the reason for the
penalties to another government unit; purchase.)
• student loans;
• child or spousal support; 47. In the same file folder, also put in
• luxury items valued at $500 or the following documents:
more that were purchased sixty (60) days
from the date you filed your original bank- • Your current paycheck stubs;
ruptcy petition; • If you are unemployed,
• cash advances of $1,000 or include copies of documents showing any
more that were made within sixty (60) days income you receive(d) from unemployment,
from the date you filed your original bank- worker’s compensation, child support, SSI,
ruptcy petition; social security, retirement, estate, etc.
• debts made due to an act of • Mortgage and deed if you
embezzlement or larceny; own or are purchasing a home or other real
• debts owed a party where you property (i.e., land, apartment complex,
maliciously caused injury to another; etc.);
• debts owed for the death or • Copies of your car, boat,
personal injury while intoxicated by drugs or motorcycle, mobile home or other titles to
alcohol. motor vehicles;
Page 10
• Copies of your tax returns; between the two — chose the attorney who
• Copies of any court proceed- specializes in bankruptcy.
ings filed against you;
51. Calling around to different attor-
48. When you have put together your ney offices and asking them what they
file, you will have most of the information charge to file a bankruptcy is NOT the most
needed to file a bankruptcy petition. You can efficient method of locating a good bank-
now start completing the forms that are ruptcy attorney. Attorneys who advertise
included in the back section of this ebook cheap prices for filing bankruptcy petitions
and/or make an appointment with an attorney in your daily newspaper, often do not file all
in your area to discuss your options. the schedules and forms at one time (which
is perfectly legal) and will charge you
49. The information you supply on the additional money to file the rest of the
intake forms (included in this ebook) are then petition within the 20-30 day allowance.
entered in a correct legal manner into a set of After being “nickel-and-dimed” to death, you
forms called a bankruptcy petition. A bank- normally pay more money to this attorney
ruptcy petition includes such documents as: than if you just hired a higher-priced attor-
Voluntary Petition, Summary of Schedules, ney in the first place.
actual Schedules, Forms, Statement of
Intentions, Creditor’s Matrix, etc. Each 52. The best way to locate a good
Schedule and Form in your bankruptcy bankruptcy attorney is to first determine if
petition relates to different items that must be they specialize in bankruptcy. If you cannot
filled out properly. Normally people choose to locate someone in your area that special-
hire an attorney to prepare their bankruptcy izes solely in bankruptcy, then choose an
petition, but some people hire independent attorney who has been in the practice for at
paralegals, and some people purchase bank- least five (5) years or more. (Just call your
ruptcy kits and attempt to do it themselves. local Bar Association and ask for a referral.)
Note: Unless you are familiar with 53. You can choose to hire a bank-
the bankruptcy law, the average consumer ruptcy paralegal, like Victoria Ring, to
cannot properly complete a bankruptcy prepare your bankruptcy petition paperwork
petition. Besides, it is dangerous to attempt to for you so that you can file the petition
do so. If you don’t know the difference be- yourself with the bankruptcy court, attend
tween real property and personal property for the 2 short hearings and represent yourself
instance, or the legal codes for exemption without paying additional attorney fees.
allowances (Schedule C) you could lose
everything you own and put yourself in a 54. You can purchase a bankruptcy
living condition much worse than you are in “do-it-yourself” kit but unless you know how
right now. to prepare the bankruptcy petition in a
manner to present to the court, these kits
50. If you decide to hire an attorney, try will do absolutely nothing for you except
to find someone who specializes in the field give you some practice at filling out forms.
of bankruptcy. In other words, your best
choice for an attorney is one who does HOW YOUR CREDIT WILL BE EFFECTED
nothing else but specialize in bankruptcy law BY FILING BANKRUPTCY
exclusively. You will probably also find
bankruptcy attorneys that also do divorce, 55. If you are currently behind in
wills, probate, and DUI; but if given a choice paying your bills, your credit is already
Page 11
effected. Filing a bankruptcy may actually be and owning them free and clear — you will
your first step in repairing a bad credit situa- enjoy life more and grow as a human being.
tion. When a creditor finds a bankruptcy on About the only items the average American
your credit report, it shows them that all prior really needs to go into debt for is an auto-
credit problems have been resolved. The mobile for transportation and a home for
question then becomes, “Are you creditwor- their family to live in. Everything else
thy?” should be purchased out of the monthly
income, or saved for and purchased in full.
56. Every creditor is different and each The only reason Americans are in debt is
one treats bankruptcy with a different set of because they “want it now!” and don’t have
rules for determining your creditworthiness. the patience to wait.
Although there are many exceptions, nor-
mally a creditor likes to see how well you do OTHER GENERAL QUESTIONS
in paying your bills during the first year or two AND ANSWERS
after filing bankruptcy before they extend new
credit to you. So although a Chapter 7 bank- 59. If I am married, does my spouse
ruptcy appears on your credit report for ten have to file bankruptcy?
(10) years, and a Chapter 13 appears for
seven (7) years, most people only find it to be No, however the spouse that
a problem for a couple of years after filing — does not file will not receive the benefits of
provided everything else looks good on their bankruptcy. In other words, if the non-filing
current credit report. spouse is jointly liable on certain debts, he
or she will remain liable for those debts if
57. In addition, there are 1,000’s of the filing spouse filed for a Chapter 7
creditors who extend credit to people who bankruptcy. He or she will also remain liable
have filed bankruptcy. The interest rates are for any amount not paid for in the filing
normally higher, of course, but you can obtain spouse’s Chapter 13 plan. On the other
credit easily with one or more of them. One hand, the non-filing spouse will not have
of the best ways to build your credit after bankruptcy noted on his or her credit report.
bankruptcy is to obtain a “secured” credit
card. This is one where you put money in a Therefore, if the debts you owe
bank and the bank issues you a credit card. are also owed by your spouse, or co-signed
The credit limit of the credit card will be the by your spouse, it would be to your benefit
same amount of money you have in their to file a bankruptcy together as a married
bank. After you have shown that you make couple. If most of the debts are in your
timely payments, your credit line may be name only, you may consider filing a bank-
increased without you depositing any more ruptcy as the only debtor.
money.
If you live in a “community property”
58. However, the fact remains — one state — Arizona, California, Idaho, Louisi-
of the main reasons for filing bankruptcy is to ana, Nevada, New Mexico, Texas, Wash-
get OUT of debt — not back into it. You ington or Wisconsin — most property is
should take responsibility for your own finan- equally owned by both husband and wife
cial spending and saving, making sure not to regardless of the name of the person on the
get to the point where you have to file another title or mortgage.
bankruptcy. Once you experience total
freedom of paying for things you want to buy, 60. What if I am unmarried but living
Page 12
with someone? Can we file a bankruptcy HALT. Once your bankruptcy has been
together? filed, creditors are forbidden from taking
action against you or against your property
No. If you are living together with a to collect money you owe them. If they try
“significant other” but are legally unmarried, to do so, they can be held in contempt of
you cannot file a bankruptcy together, even if court. This is the advantage of the law,
the bills are in both your names. In this case, administered by the United States Bank-
each one of you would have to file separate ruptcy Court, and provided as a way to help
bankruptcy petition. A competent attorney or citizens get “another chance.” Even if there
paralegal can separate the expenses and is a wage garnishment or other legal pro-
budget so that each of you pay 50% of the ceeding under way, the filing of a bank-
day-to-day living expenses (if both of you share ruptcy will bring it to a screeching halt,
the expenses) and submit the information prop- giving you the opportunity to take care of
erly to the court. In addition, if you are sepa- your financial affairs in an orderly and
rated from your legal spouse, your bankruptcy permanent way.
petition can be prepared showing two separate
living expenses for each person. 63. What if I owe the IRS back taxes?
How will bankruptcy help me?
61. Will bankruptcy stop a wage gar- Most tax debts cannot be dis-
nishment? charged in a bankruptcy. Trust funds and
Yes, some of the money garnished from withholding taxes you owe, such as sales
your paycheck may even be returned to you. taxes or employee withholding obligations
It all depends on how much was garnished can never be discharged. However, income
and when it was garnished. If your wages are and self-employment taxes can be dis-
currently being garnisheed, a Notification of charged if they are at least three (3) years
Stay pleading needs to be filed in court as old and the tax returns have been on file for
well as a letter mailed to the creditor and your at least two (2) years.
employer to stop the garnishment after your
bankruptcy petition is filed. In situations like this, a bank-
ruptcy can be a great help in many ways.
Stopping a wage garnishment is possible The biggest benefit is that you may be able
because whomever you owe that is garnish- to reduce the amount of the tax you owe. In
ing your check is now being paid (or is being a Debt Adjustment Plan, you can also stop
discharged) through the bankruptcy petition interest and penalties on all taxes you owe
you filed. As soon as the clerk file stamps — even the ones that are non-dischargable.
your bankruptcy petition, you have immediate This will place you in a situation where it will
protection under the United States Bank- be easier to pay your taxes off.
ruptcy Court and every creditor you owe must
proceed through this court to collect anything 64. How much does it cost to file
from you. bankruptcy?
62. How can I immediately stop creditor At the present time, the court will
harassment? charge you $200.00 to file a Chapter 7
bankruptcy petition and $185.00 to file a
The filing of a bankruptcy under Chapter 13, regardless of which state you
Chapter 7 or Chapter 13 will IMMEDIATELY live in.
bring the harassment caused by creditors to a
Page 13
65. When does a bankruptcy take effect? money you make doesn’t reach as far as it
used to just five years ago.
When the Clerk of Court receives
your bankruptcy petition and date/time Any one of these factors could
stamps it, your bankruptcy is immediately cause a “good” person who was respon-
effective. The Court sends notice of your filing sible and financially secure, to suddenly
to all of your creditors and bill collectors consider filing bankruptcy. Not one of us is
generally within 24-48 hours after filing. That immune from the world’s problems. So if
is why it is so vitally important to include there comes a point in your life where you
complete addresses and zip codes of all the find it necessary to take advantage of the
people you owe on your bankruptcy petition. bankruptcy law, don’t look back. Meet the
The court will send a copy of your petition to problem head on, clear it up and get over it.
all these creditors so they will stop harassing In fact, you should be glad the United
you. If those addresses are not correct, the States has set up a governing body to
creditor won’t know you filed bankruptcy and protect people like you and me so we can
will continue to harass you. It is also impor- continue to survive in times of great finan-
tant to list all the collection agency addresses cial burden.
so they can be notified as well. Upon receipt
of the notice of your filing, creditors and bills 67. Is it legal for me to file my own
collectors are prohibited from having contact bankruptcy petition?
with you.
It is perfectly legal in all 50 states
If you should receive any harassing to file your own bankruptcy petition. Don’t
or annoying creditor calls after filing your bank- allow anyone to tell you otherwise. To prove
ruptcy petition, a letter can be mailed to the it, on the 2nd page of the Voluntary Petition
creditor which spells out Section 362 of the that you file in court, there is a signature
Bankruptcy Code (Automatic Stay.) This letter area for a non-attorney bankruptcy petition
prohibits the creditor from contacting you again preparer to sign. There is also a statement
or risk being held in contempt of court. that appears below your signature line that
reads: "Debtor not represented by an
66. I feel so guilty not being able to pay attorney." If it were not legal to file your
my bills. Am I a “bad” person because I need own bankruptcy petition, then why would
to file bankruptcy? the Federal Government put this directly on
their forms? In other words, it is just as
You are NOT a “bad” person legal for you to file your own voluntary
because you decide to file for bankruptcy. bankruptcy petition as it is for you to get
Back in the old days (pre 1900), if a person your driver’s license renewed. Therefore,
went bankrupt, creditors stepped in, sold don't let anyone tell you otherwise.
everything the person owned, split the money
between themselves, put the bankrupt person 68. What about filing bankruptcy on
out in the street and make a public mockery bad checks I wrote at check-cashing agen-
of them. Therefore, this is why people who cies? Can I include them?
have not kept up with the times, still feel that
bankruptcy is a “bad” thing to do. But that First of all, you should include
was over 150 years ago! The economy has ALL the debts you owe, regardless of who
changed, employers have changed, life is or what they are for on your bankruptcy
more complicated, interest rates are higher petition. However, you need to understand
than they have ever been in history and the something about check-cashing agencies.
Page 14
Believe it or not -- when you walk into the paying the bill and are current on your
corner check-cashing store, write them a payments. Otherwise, you may want to
post-dated check and they give you cash, a surrender the item, which does not neces-
bounced check is not considered to be the sarily mean it will be repossessed. It de-
same thing as writing a “bad check.” How pends on the market value of the item and
could this be? Because the person at the how the individual company handles repos-
check-cashing store is fully aware of the fact sessions on bankruptcy claims.
that the check you are giving them is “post-
dated.” That means, that at the time you are or
writing the check, the check-cashing agency
is aware the check is bad. You make a If the personal belonging or house-
promise that the check will be “good” on a hold good is not covered by an exemption,
certain date. If you break that promise you that item could be sold by the Trustee and
still owe the debt but it is treated as distributed to your creditors. But, don't be
“unsecure” rather than a criminal act of check alarmed by this statement. Most average
fraud. consumers filing a Chapter 7 normally do
not have more than one or two motor
However, if you go to several vehicles, television set, computer, stove,
check-cashing agencies and get cash ad- refrigerator and some miscellaneous cos-
vances against the same payroll check; you tume jewelry.
are committing fraud if you obtain one or
more cash advances that amount to “more” People in this type of financial
than your check will cover. situation, normally do not need to worry
about losing anything they own because
69. Will I lose any of my personal everything they own is exempted.
belongings or household goods when I file
bankruptcy? WEBSITES TO HELP YOU LEARN MORE
ABOUT BANKRUPTCY
If you are filing a Chapter 13 bank-
ruptcy and paying back your creditors 100% 70. http://www.attorneyfind.com/
of the debt you owe them, the Trustee at the — Find an attorney in your local area.
Bankruptcy Court will not take any of your
personal belongings or household goods and 72. http://www.bankruptcyassets.
sell them to pay your debts. com/mainpage.cfm — Get great deals on
real estate, motor vehicles and other assets
If you are filing a Chapter 7 bank- available from bankruptcy sales.
ruptcy, the only way you could lose any
personal belongings or household goods is if 73. http://www.agin.com/bkfaq/ —
any of the following is true: Frequently asked bankruptcy questions by
the average first-time filer.
You do not totally own the personal
belongings or household goods because you 74. http://www.freeadvice.com/law/
are still making payments on them. (Example: 506us.htm — Ask questions about bank-
furniture and appliances you purchased at a ruptcy law from participating attorneys all
rent-to-own store.) In this case, if you want to over the United States.
keep the item, you can "reaffirm" the debt if
you have enough money per month to keep 75. http://bankruptcy-law.free
Page 15
advice.com/ — This site lists a long list of 86. http://www.debtworkout.com/

questions and answers about bankruptcy to states2.html — Look up your local state’s
help consumers. exemption allowances to help determine
how much of your real and personal prop-
76. http://www.myguidehub.com/ erty may be exempted on Schedule C of
bankruptcy/ — The Bankruptcy Guide. This your bankruptcy petition.
wealth of information website is specifically
for consumers filing bankruptcy. 87. http://www.bankruptcypara
legalservices.com — This is the website
77. http://www.uscourts.gov/ of the author of this ebook. It is updated
bankform/ — Official Bankruptcy Forms. See weekly and contains a growing amount of
what you get in most kits you pay $19.95+ information to help you understand or
for. increase your knowledge about bankruptcy.
78. http://www.kbb.com/ — Kelley SUMMARY

Blue Book online. Check and see what the
market value is on your own motor vehicles. Don’t allow debt to destroy your life,
make you miserable or break up your
79. http://www.wwlia.org/diction.htm happy home. Instead, reach out and review
— Online legal dictionary to look up legal the best direction for you to solve your
words you don’t understand. problem. You have the opportunity to take
charge of your financial situation and may
80. http://www.usparalegal.com/ — be able to obtain some relief, which is
Contains over 5,000 legal forms with ques- legally offered to you by the United States
tions and answers to common legal ques- Bankruptcy Court.
tions.
Do not hesitate to contact me if I can
81. http://www.bankruptcydata.com/ help you in any way.
Courts/Courts.htm — Find your local Bank- Victoria Ring
ruptcy Court’s address and telephone num- Bankruptcy Paralegal
ber. 614-486-7642
82. http://www4.law.cornell.edu/
uscode/11/ — The Bankruptcy Code online.
83. http://law.chapter7.com/ —
Chapter 7 help center.
84. http://findlaw.com/01topics/
03bankruptcy/ — Findlaw’s resources for
bankruptcy.
85. http://www.nolo.com/category/
dc_home.html — Nolo debt and bankruptcy
reference.
IMPORTANT account, provide a year (within a 2-3 year period);
such as 1980, 1985, 1990 or 1995. The purpose
here is to show the Court that you did not obtain
PLEASE READ this credit card within the last ninety (90) days,
create a credit debt and then file bankruptcy.
AND SIGN!! After your petition has been prepared, Victoria will
mail you back the petition along with a personal
The following pages contain the initial intake letter. This letter will contain step-by-step instruc-
interview forms you will need to complete in order tions for filing your bankruptcy petition with the
to have a bankruptcy petition preparer obtain the court, what to expect at your 341 Meeting of
necessary information necessary to prepare your Creditors and Confirmation Hearing. You also have
bankruptcy petition for filing with the Bankruptcy the ability to call or email Victoria personally if you
Court in your area. DO NOT ATTEMPT TO FILE have any questions about the process. Yes,
THESE FORMS WITH ANY COURT. These forms Victoria provides client support “after the sale,” so
are strictly for the use of obtaining information do not hesitate to use this free service.
about your current assets, and liabilities in order to
prepare your bankruptcy petition to present the Service Guarantee:
court with an accurate and true account of your
present financial status. As you are aware, Victoria Ring is a Bankruptcy
Paralegal. She does not and cannot take the place
Confidentiality Maintained. The information you of an attorney. Her service guarantee covers the
provide in these forms is NOT shared with any preparation of your bankruptcy petition.
other person(s) other than Victoria Ring or unless
Court-ordered to prove the validity of your claims. Contact Information:
After your petition is prepared, the information you
supply on these forms is used to correctly enter Victoria Ring, Paralegal
onto the actual bankruptcy petition. The bank- 1601 W Fifth Ave #123
ruptcy petition (that will be mailed to you by Columbus, Ohio 43212-2303
Priority Mail) is the document you will file with the 24-Hour Voice Mail: 614-486-7642
Bankruptcy Court in your jurisdiction. email: victoria@victoriaring.com
http://www.bankruptcyparalegalservices.com
How to Get Started:
PLEASE SIGN BELOW
The forms that appear on the next several pages
need to be filled out ENTIRELY. Simply print them I state that I/we have read this instruction page
out on any printer, fill them out and sign where and fully understand and agree with the contents.
indicated.
Make sure you answer every “yes” and “no”

question by checking one appropriate box. Feel Debtor #1
free to provide additional information about any
debt or asset if needed on the back of the page.
Debtor #2 (if applicable)
Any information you do not provide will only cause
the delay in processing your bankruptcy petition. Message from Victoria Ring:
What happens next? Thank you for choosing to utilize my services to

prepare your bankruptcy petition. Please under-
When you have completely filled out your forms, stand that I provide this service as a pro bono
be sure and look them over for accuracy and effort to help low-income individuals and families.
make sure that ALL the information is provided. If The $99.95 fee you pay is donated back to the
you don’t know the answer, such as you cannot legal community and is not intended as a business
remember when you first obtained a credit card income for Victoria Ring.
GENERAL INFORMATION Referred by:
Please fill out ALL the information requested in these forms. If a question or section does NOT apply to you, write “N/A”
in the space. (N/A means “not applicable.”) The more information you provide in these forms, the faster your bank-
ruptcy petition can be prepared and mailed back to you for filing. There will be a delay if Victoria needs to call you to
verify or obtain more information concerning a specific debt or creditor; so please try to provide as much detail as you
can and fill in ALL the information requested. Thank you.
Name, First Middle (spell out) Last
Social Security Number Date of Birth
Street Address
City State Zip
County of Residence Length of Time at This Address
Home Phone Other Phone
Email address
SPOUSE, First Name Middle (spell out) Last
Social Security Number Date of Birth
Address (if living separately)
City State Zip
DEPENDENTS
Name Age Relationship to You Is this person/child
living with you?
1. YES NO
2. YES NO
3. YES NO
4. YES NO
Have you ever filed bankruptcy before? Yes No If yes, what year?
Are you paying or receiving any alimony or support money? Yes No Monthly Amt?
Has either you or your spouse been known by any other name during the past 6 years?
(Example: maiden name, last name from previous marriage, legal name change, etc.)
Yes No If yes, write the NAME and DATE(S) USED below:
Name Used Dates Used thru

Name Used Dates Used thru
http://www.bankruptcyparalegalservices.com -- Fill out entirely and mail with your forms preparation fee of $99.95 to:
Victoria Ring, Bankruptcy Paralegal, 1601 W Fifth Ave #123, Columbus OH 43212-2303 (614) 486-7642
YOUR REAL ESTATE
Do you own or are you buying real estate? YES NO
If so, check type: House Mobile Home Condominium Other
Please fill out the following information: Month/Year you purchased real estate:
Name on Deed or Title
Address of Real Estate
What company do you pay your mortgage payment to?
Address
City State Zip
What are the monthly payments? How much do you still owe on this loan?
What year was your real estate last appraised? What was the appraised value?
Are you behind in payments? YES NO If so, what months?
Briefly describe your real estate (number of bedrooms, baths, if land is attached, etc)
Do you have a second mortgage on the real estate? YES NO

If so, what company do you pay your second mortgage to?
Address
City State Zip
Do you want to keep this real estate or surrender it in your bankruptcy? KEEP SURRENDER
If you are behind in payments on your real estate, provide collector and/or attorney information below:
Name of Collector or Attorney
Address
City State Zip
Is this real estate in the process of foreclosure or replevin action? YES NO
If so, provide Case Number from Complaint (court document):
Do you own or are you purchasing any other real estate? YES NO
If so, provide details such as type (i.e., vacation home, rental unit, etc), income received per month (if rented),
description of real estate and address:
YOUR HOUSEHOLD INVENTORY
Please check the items below that you currently have in your home. Then, provide the YARD SALE VALUE of each item --
not the replacement cost.
Yard Sale Value Paintings/Art $ ________________
Describe item(s): __________________________
Stove/Cooking Unit $ ________________ ________________________________________
Refrigerator $ ________________ Carpenters Tools $ ________________
Washer/Dryer $ ________________ Describe item(s): __________________________
Microwave $ ________________ ________________________________________
Cooking Utensils $ ________________ Mechanics Tools $ ________________
Silverware/Flatware $ ________________ Describe item(s): __________________________
Cookware (Pots/Pans) $ ________________ ________________________________________
Living Room Furniture $ ________________ Guns and Firearms $ ________________
Dining Room Furniture $ ________________ Describe item(s): __________________________
Tables and Chairs $ ________________ ________________________________________
Televisions(s) $ ________________ Lawnmower $ ________________
VCR(s) $ ________________ Boats $ ________________
DVD(s) $ ________________ Trailers $ ________________
Compact Disks $ ________________ Campers $ ________________
All Other Stereo Equipment $ ________________ Yard Tools/Equipment $ ________________
Describe item(s): __________________________ Swimming Pool $ ________________
________________________________________ Cell Phones $ ________________
Bedroom Furniture $ ________________
Dressers/Nightstands $ ________________ OTHER ASSETS
Lamps and Accessories $ ________________ Rent deposit with landlord $ ________________
Wedding Rings $ ________________ Name of Landlord _________________________
Other Jewelry $ ________________ Address _________________________________
Describe item(s): __________________________ City _____________State _____ Zip __________
________________________________________ Government Bonds $ ________________
Furs $ ________________ Certificate of Deposits $ ________________
Computer(s) $ ________________ Copyrights/Patents $ ________________
Computer Printers $ ________________ Aircraft $ ________________
Desks/Office Furniture $ ________________ ____________________ $ ________________
Other Computer Equipment $ ________________ ____________________ $ ________________
Describe item(s): __________________________ ____________________ $ ________________
________________________________________ ____________________ $ ________________
Photography Equipment $ ________________ ____________________ $ ________________
Satellite Disks $ ________________ ____________________ $ ________________
All Clothing $ ________________ ____________________ $ ________________
(including shoes, coats, hats, etc.) ____________________ $ ________________
Collectibles $ ________________ ____________________ $ ________________
Describe item(s): __________________________ ____________________ $ ________________
________________________________________ ____________________ $ ________________
YOUR MOTOR VEHICLES
Motor vehicles include cars, trucks, SUV’s, motorcycles, mobile homes, boats, trailers, campers, etc. A Kelley
Blue Book value will be obtained to determine market value and be incorporated into your bankruptcy petition.
Type: Automobile Truck Motorcycle Mobile Home Other:
Make Model Year
Condition Mileage
Who’s name is on the title to this vehicle?
Do you make payments on this vehicle? YES NO If yes, who?
What are your monthly payments? Is vehicle leased? YES NO
Remember to list all motor vehicle debts on debt sheets.
Make Model Year
Condition Mileage
Remember to list all motor vehicle debts on debt sheets.

Make Model Year
Condition Mileage
Make Model Year
Condition Mileage
DEBT SHEET 1 OF 5
If you have more debts than these Debt Sheets provide room for, print out or make copies of this page.
For every single debt that you owe, please provide the information below. If you do not know the creditor’s
address, call them or look the address up in your telephone directory. A bankruptcy petition cannot be presented
in court without having FULL ADDRESSES and ZIP CODES of every creditor. This is because the court must
properly “serve” them a notice that you have filed bankruptcy by mail only. Thank you for your cooperation.
Name of Creditor Total amount you owe $
Address Account Number
City Date originally obtained the debt
State Zip Date last charged on this account
Has this debt been turned over to a collection agency? Normal Monthly Payment Amount
If so, provide their name and address below: How many months are you behind?
Collection Agency Name What is this debt for? (Medical, Credit Card, etc.) If car,
Address state year, make and model:
City Whose name is the debt under? (Husband, Wife,
State Zip Both, or is it cosigned?)

DEBT SHEET 2 OF 5

DEBT SHEET 3 OF 5

DEBT SHEET 4 OF 5

DEBT SHEET 5 OF 5

INCOME HISTORY FOR YOU
Your Name as listed on your current paycheck stub:
Year-to-Date Total from current paycheck stub?
VERY IMPORTANT: Gross Income in 2001 Gross Income in 2000
Employer’s Name
Address
City, State, Zip
Telephone Number
Length of Time at This Job? Years Months
Job Title (do not abbreviate)
How often do you get paid? (circle or check one)
every week bi-weekly (sometimes I get paid 3 times a month once a month
semi-monthly (on the same 2 days of each month)
What is your “average” gross wages before deductions?
How much “average” extra money do you receive in overtime and commissions per pay period?
What is the total amount of taxes deducted (FICA, Federal, State, Local) from your paycheck?
How much Insurance is deducted from your paycheck? How much in Union Dues?
How much do you pay in Alimony or Child Support if any? Are you court ordered to pay this? YES NO
Are there any other deductions from your paycheck? YES NO If yes, how much?
What amount do you normally take home per paycheck after all deductions?
How much additional income do you make monthly from a business, flea market, etc?
Monthly Income from real property (rentals) Monthly Interests and Dividends
Monthly Alimony or Child Support received Monthly Social Security
Monthly Government Assistance Monthly Food Stamps
Monthly Public Assistance Monthly Pension or Retirement
Other Income (Reason and amount received monthly)?
Do you have a slow season at work or a regular lay off? YES NO If yes, what months?
Do you have a second job? YES NO If yes, name of employer:
Address
City, State, Zip
Telephone Number
Length of Time at This Job? Job Title
How often do you get paid? (check one)
Do you receive any income from a home-based business? YES NO How much per month?
INCOME HISTORY FOR YOUR SPOUSE IF FILING JOINTLY
Your Name as listed on your current paycheck stub:

Year-to-Date Total from current paycheck stub?
VERY IMPORTANT: Gross Income in 2001 Gross Income in 2000
Employer’s Name
Address
City, State, Zip
Telephone Number
Length of Time at This Job? Years Months
Job Title (do not abbreviate)
How often do you get paid? (circle or check one)
How much “average” extra money do you receive in overtime and commissions per pay period?
What is the total amount of taxes deducted (FICA, Federal, State, Local) from your paycheck?
How much Insurance is deducted from your paycheck? How much in Union Dues?
How much do you pay in Alimony or Child Support if any? Are you court ordered to pay this? YES NO
Are there any other deductions from your paycheck? YES NO If yes, how much?
What amount do you normally take home per paycheck after all deductions?
How much additional income do you make monthly from a business, flea market, etc?
Monthly Income from real property (rentals) Monthly Interests and Dividends
Monthly Alimony or Child Support received Monthly Social Security
Monthly Government Assistance Monthly Food Stamps
Monthly Public Assistance Monthly Pension or Retirement
Other Income (Reason and amount received monthly)?
Do you have a slow season at work or a regular lay off? YES NO If yes, what months?
Do you have a second job? YES NO If yes, name of employer:
Address
City, State, Zip
Telephone Number
Length of Time at This Job? Job Title
How often do you get paid? (check one)
Do you receive any income from a home-based business? YES NO How much per month?
HOME BASED BUSINESS OWNERS
If you have operated a business inside your home, or owned a small business that does not qualify for filing under
Chapter 11 of the Bankruptcy Code, an Exhibit will be prepared for the Trustee overseeing your case. Please list
below the normal income and expenses your business generated for an average month. If you did not have an
average monthly income due to extreme highs and lows in your business, estimate your total yearly income and
divide by 12 to get the average monthly income. Use the same method of determining your average monthly
expenses and enter into the spaces below:
Average monthly business income $

Did you withhold any earnings for tax purposes? Yes No
If yes, how much did you withhold monthly? $

Average monthly business expenses (if applicable)
Rent and utilities $

Office Supplies $
Product Supplies $
Wages $
Equipment Leases $
Other Business Leases $
Other $
Other $
Other $
Other $
Other $
Other $
Other $
Other $
Total Average Monthly Income $
Total Average Monthly Expenses $
Average Monthly Business Profit $
Did you file income taxes for the years you operated your business? Yes No
If not, what years did you NOT file taxes?
MONTHLY BUDGET
This form is necessary to determine how much you spend each month on living expenses. Be sure to write in the
MONTHLY (not weekly) amounts in the spaces below each expenditure. For utilities, your bill may be higher in the
winter than in the summer, so write an amount that is “average” covering the whole 12 month period.
Housing Expenses Taxes

Rent (not mortgage) $_________ Are any other taxes deducted from your wages? If so,
First Mortgage, rent or mobile what type of taxes are they? $_________
home monthly payment $_________
Second mortgage (if applicable) $_________ Other Expenses
Third mortgage (if applicable) $_________ Alimony or Child Support $_________

Payments for someone outside
Lot Payment (if applicable) $_________ your home $_________
Are real estate taxes included in
Union Dues $_________
your mortgage payment? Yes No
Is your home insurance included in Professional Dues $_________
your mortgage payment? Yes No Child Care Expenses $_________
Taxes not included in house payment $_________ Babysitter/Day Care Expenses $_________
Utilities (Average monthly payment) School Expenses $_________
Electricity and Gas $_________ School Lunch Expenses $_________
Water $_________ College Tuition (Not Loans) $_________
Telephone (Basic Service) $_________ Student Loan Repayment $_________
Trash Pick-Up $_________ Newspapers, Books, Magazines $_________
Basic Needs Personal Care Items $_________
Home Maintenance (home owners) $_________ Other $_________
Food (Monthly) $_________ Other $_________
Clothing (Monthly Expense) $_________
Use the space below to describe any additional
Laundry, dry cleaning, soap, etc. $_________ monthly expenses that you must pay out of your
Medical expenses not paid by insurance $_________ pocket that are not covered here. Explain the type of
expense, amount of expense and how long you will
Transportation continue to have this expense:
Gasoline $_________
Automobile maintenance $_________
Recreation, Entertainment $_________
Charitable Giving (if claimed on taxes) $_________
Insurance
Homeowners or Renters $_________
Life Insurance (other than employer) $_________
Health Insurance (other than employer) $_________
Automobile Insurance $_________
Other Insurance $_________
STATEMENT OF AFFAIRS (1 of 9)
The following pages contain extremely IMPORTANT QUESTIONS, many of which will be asked you again by the
Trustee when you attend your first hearing. Please take your time and go through every question thoroughly and
provide as much detail as possible to the questions you answer “yes” to.
Do you own, or are you buying real estate? Yes No

Address/Description of Property
Name of First Mortgage Company
Address of Mortgage Company
City, State and Zip Code
Account Number
Date Obtained Loan Total Owed Monthly Payment
If you are behind in payments, please provide the name of the months you are behind: (i.e., November, Decem-
ber, January, etc.):
Name of Second Mortgage Company
Account Number
If you have a third or fourth mortgage company, list their information on the debt sheet and note what it is.
Do you own, or are you buying any other real estate? Yes No
Name of Mortgage Company
Account Number
Do you share the ownership of any real property with another person, such as
a co-tenancy or joint tenancy? (This does not apply to your spouse.) Yes No
If so, provide details:
Do you have a future interest in any real estate, such as putting money
down on a property you have not purchased yet? Yes No
Do you own or are you buying a time-share in a vacation property or resort? Yes No
Do you own, or are you buying a mobile home? Yes No
Name of Mortgage Company
Account Number
Do you have a car, truck, motorcycle, boat or camper that doesn’t run? Yes No
Year, Make, Model of Vehicle
Do you have a car, truck, motorcycle, boat or camper in your possession titled
in someone else’s name? Yes No
Whose name is the motor vehicle titled to?
What is this person’s relationship to you?
Are you buying any of your furniture or appliances with installment payments? Yes No
Description of Item
** Remember to list the name, address and other information about this creditor on Debt Sheet.
Are you renting-to-own any of your furniture or appliances? Yes No

Description of Item
** Be sure to list the name, address and other information about this creditor on Debt Sheet.
Have you gone to a loan company or bank and listed any of your furniture,
appliances or personal possessions at the time you obtained the loan? Yes No
Description of Item
Do you own or are you buying any tools or equipment that you use for your work? Yes No
Description of Item
Value of the item if sold at a flea market or yard sale
At present, do you have any inventory (stock in trade) that could be sold for
$200 or more in profit? Yes No
Description of Item
Are you buying any jewelry with installment payments? Yes No

Description of Item
Do you own any guns or other types of firearms? Yes No

Description of Item
Do you have any animals, livestock or pets you could sell for $200 or more? Yes No
Description of Animal(s)
Value of the animals if you had to sell them
Do you have any checking or savings account(s) at this time? Yes No

Name of Bank
Address/City/State/Zip of Bank:
Type of account: Checking, Savings or Both?
Name(s) on the Account
Account Number Present Balance
Name of Second Bank (if applicable)
Address/City/State/Zip of Bank:
Are you a member of a credit union? Yes No

Name of Credit Union
Do you have a Christmas Club Account or any other special purpose accounts? Yes No
Name of Financial Institution
Do you currently have any security deposits being held by a utility company? Yes No
If yes, what is the amount? Name of Utility Company:
Address of Utility Company
City, State and Zip Code of Utility Company
** You may include past due utility bills in your bankruptcy, but you will have to reapply to the utility company as a
new customer and pay a new deposit in order to establish service with their company.
Do you have any life insurance other than what your employer provides? Yes No
Name of Insurance Company
Does your policy have a cash value? Yes No If so, approximate cash value:
In other words, could you borrow money against your policy or make a cash withdrawal? If so, provide the current
amount you could obtain if you borrowed against your insurance policy at this present time, or if you withdrew a
cash settlement:
Even if you are not vested, is there a retirement/pension plan at your work? Yes No
Type of retirement (i.e., 401-K, PERS, etc.)
Does this account presently have a cash value? Yes No If so, approximate cash value:
In other words, could you borrow money against your retirement plan or make a cash withdrawal? If so, provide
the current amount you could obtain if you borrowed against your plan at this present time, or if you withdrew a
cash settlement.
Besides retirement/pension, is there a separate profit-sharing plan at your work? Yes No

Type of stock, bond, etc. (i.e., 401-K, PERS, etc.)
Have you set up your own separate retirement not provided by employer? Yes No
Name of Financial Institution (if applicable)
Will you be receiving retirement benefits from a previous employer within the
next six (6) months? Yes No
Date you expect to start receiving retirement benefits:
Are you receiving any proceeds for retirement at this time? Yes No
** If yes, please state the amount you receive monthly on the Income Sheet of these forms
Do you have any stocks, bonds (including savings bonds) or mutual funds? Yes No
Type of bond, stock, mutual fund:
Does this bond, stock or mutual fund have a cash value? Yes No Cash value:
Even if you never expect to collect any money, does an ex-spouse owe you
money for alimony or child support? Yes No
Name of Ex-Spouse
Address of Ex-Spouse
Total amount he/she owes you Date originally started owing you
Has this ex-spouse been court ordered to pay you? How long?
Over the last year, have you, your children or your spouse been involved in an accident where someone
was hurt, for example, a car accident? Yes No
Date accident occurred Who was at fault?
Who was involved in the accident?
Was any insurance money received? Yes No If yes, how much?
During the next six (6) months, do you expect to inherit anything? Yes No
Details and Amount
During the next six (6) months, do you expect to recover on

anyone’s life insurance policy? Yes No
Details and Amount
Do you expect to receive any money from any insurance claim,

for any reason, during the next six (6) months? Yes No
Details and Amount
Are you the beneficiary of a trust fund? Yes No

Details and Amount
Are you owed any back wages, commissions, or vacation

pay from your current or previous employer? Yes No
Employer Name and Amount
Is any of your property in the hands of a repairman, storage
company or pawnbroker? Yes No
Name of Place Holding Your Property
Address
City, State, Zip
Description of Items
In the near future, do you expect to settle, win or begin a case for personal injury? Yes No
Details and Amount
In the near future, do you expect to enter into any property settlement
with a former spouse? Yes No
Details and Amount
Does anyone owe you any money for a judgment you have obtained against them? Yes No
Details and Amount
Even if you never expect to collect, does anyone owe you

any money for any reason whatsoever? Yes No
Name of Person who owes you money
Address of Person who owes you money
City, State, Zip of Person who owes you money
Explain why they owe you money:
Amount they owe you Date they originally started owing you
Have you made any payments on your loans or bills other than ordinary payments? In other words, have
you made catch-up payments, paid off or borrowed to pay on or off bills or loans? Yes No
Name of Creditor You Paid
Date Paid Amount Paid Current Balance Due
Name of Creditor You Paid
Date Paid Amount Paid Current Balance Due
Are there any lawsuits pending against you now? Yes No

Who is currently suing you?
Attorney’s name and address assigned to the case (if applicable):
What is the case number on the court document?
** Please include a copy of this document when you return these forms.
Have your wages or property been garnisheed or attached? Yes No
Who garnisheed your wages or attached your property?
When item did they take the property or what date did they start the garnishment?
How much money do they take from your paycheck and how often?
Have you returned any property to creditors or was any of your property repossessed from you, sold at
foreclosure, transferred through a deed or returned to a seller? Yes No
What property did you turn over to a received?
When and where did this take place?
Has any of your property been assigned for the benefit of your creditors? Yes No
Which creditor did you make an assignment to?
What date did you make the assignment to this creditor?
What property did you assign to the creditor?
Is any of your property in receivership or other legal custody? Yes No

When did you file your receivership?
In what court was this done?
Have you made any extraordinary gifts? Yes No

What extraordinary gifts or transfers have you made?
Who did you give the gift to?
What date/year did you make the gift? What is the approximate value?
Have you transferred any money or property to family members or

friends or paid them any money on debts you might owe them? Yes No
Type of property transferred:
What date/year was it transferred? What is the approximate value?
Have you have any unusual losses, such as fire, theft, gambling or otherwise? Yes No
What item(s) were lost?
What date/year was it lost? Amount insurance paid?
Have you had any losses covered by insurance? Yes No

Describe loss:
Date/year of loss? Amount insurance paid?
Have you consulted with any other attorney about your financial affairs or
paid money to a debt counseling service? Yes No
Name of attorney or service
Consultation Date Money paid for service
Have you filed any bankruptcy within the last six (6) years? Yes No
Did you file a Chapter 7, Chapter 13, or a Chapter 11?
Date your bankruptcy was filed? City, State Filed?
Name(s) of persons who filed?
Was the case discharged? Yes No Case Number
Have you closed any bank accounts within the past two (2) years? Yes No
Name of Bank
Address of Bank
City, State, Zip Code of Bank
Account Number Date Closed Name on Account
Did you owe a balance when you closed this account? Yes No Balance owed:
If you did not owe a balance when you closed this account, how much money did you receive?
Do you or have you rented a safe deposit box during the past two (2) years? Yes No
Name of Financial Institution
Address of Financial Institution
City, State, Zip of Financial Institution
Account Holder’s Name and Address
What are the contents of the safe deposit box?

If you no longer have the safe deposit box, what date/year did you surrender it?
If you transferred the safe deposit box, when and to whom did you transfer. (Please also provide this person’s
complete mailing address.)
Are you holding any property that belongs to someone else? Yes No
Item(s) in your possession:
Name and address of person these items belong to:
Is anyone holding any property that belongs to you? Yes No

Item(s) in someone else’s possession that belong to you?
Name and address of person holding these items which belong to you?
Have you lived at any other residence (other than your current address)
within the past six (6) years? Yes No
Address lived at:
City State Zip
Time period lived at this address: From (date/year) To (date/year)
Address lived at:

City State Zip
Time period lived at this address: From (date/year) To (date/year)
Have you been self-employed or had any financial interest in any business (or been involved in a partner-
ship with someone who owned a business) within the past six (6) years? Yes No
Name of business
Business address
Type of business (what type of products were sold)?
Date business began Date business ended
Name of your partners, co-investors, or associates?
What were your net profits for 2002? 2001? 2000?

How much income tax do you pay from the income you make with your business?
During the past two (2) years, have either you or your spouse had any other income source outside
normal pay from your employer? (includes flea market dealers) Yes No
Income 2002? 2001? 2000?
Do you expect to receive a tax refund this year? Yes No

Amount of tax refund anticipated: When do you expect to receive it?
By signing below, I state that all the information provided in the pages of the “Statement of
Affairs is true and correct to the best of my knowledge.
Signature of Debtor #1 Signature of Debtor #2
DUTY TO DISCLOSE ALL ASSETS
The bankruptcy preparer, Victoria Ring, has advised me/us, and I/we understand, that it is my/
our obligation as a debtor(s) seeking protection before the Bankruptcy Court, to disclose every
asset I/we own OR have a right to claim. Listing assets does not necessarily mean that the
item(s) will be taken from you. Instead, your assets will be reported on Schedule B of your
bankruptcy petition to show an accurate reflection of your current financial situation.
I/we understand that the word “asset” is broadly defined and includes, but IS NOT LIMITED
TO such things as:
Any interest in real property (Land)

Any titled vehicle including mobile home
Any non-titled vehicle including motorcycle, 3 & 4 wheelers, trailers, etc.
Cash (savings and checking accounts, 401K’s, stocks, bonds, etc.)
Monies on deposit with a bank or financial institution
Any and all claims including but not limited to personal injury, general torts, future
interests in life estates, interest in death benefits of life insurance policies or trusts
Claims for medical or other professional malpractice
Settlements due to alimony, support and property settlement
Tax refunds
Retirement accounts, IRA, bonds, stocks, annuities
Account receivables
Boats, motors and accessories
I/we understand that this obligation is enforceable under both the penalty of perjury and crimi-
nal statute. I/we acknowledge that I/we have disclosed to my/our bankruptcy preparer all of
my/our assets by signing below.
Date Signed:
Debtor #1
Debtor #2 (if applicable)
DUTY TO DISCLOSE ALL CREDITORS
The bankruptcy petition preparer, Victoria Ring, has advised me/us, and I/we understand, that
it is my/our obligation as a debtor(s) seeking protection before the Bankruptcy Court, to dis-
close EVERY debt that I/we owe to any person, company or institution, regardless of the
amount owed or the purposes for which the obligation was incurred.
Note: Some people only submit these forms, listing the debts that want to file bank-
ruptcy on -- and leave out debts that want to keep out of the bankruptcy. Because a
bankruptcy petition is a complete, and accurate picture of your current financial situa-
tion, everything you owe and everything you own must be recorded properly for the
Bankruptcy Court. If you wish to continue paying on a debt you owe (example: your car,
home, furniture, credit card, etc.) then make sure you list it as a debt on the Debt Sheet
but write the word “KEEP” beside the debt. If your budget can afford to make the
monthly payment, it will be included in your monthly budget. The creditor may ask you
to sign a Reaffirmation Agreement that states you will continue paying this debt, even
though you are filing for bankruptcy relief.
I/we understand that the obligation to disclose all debts owed is enforceable under both the
penalty of perjury and criminal statute. In other words, if you do not provide complete and
accurate information for every debt you owe, you could be risk your bankruptcy being dis-
missed or even be subject to criminal charges by the Federal Court.
I/we acknowledge that to the best of my/our ability that I/we have disclosed to Victoria Ring all
of my/our creditors as detailed on the forms in this package by signed my/our names below.
Date Signed:
Debtor (Husband)
Debtor (Wife)
AGREEMENT
By signing this agreement I understand that Victoria Ring, located at 1601 W. Fifth Ave #123, Columbus, Ohio
43212 is a non-attorney bankruptcy petition preparer. By requesting and/or employing the services of Victoria
Ring, you acknowledge and agree to the following:
1. No information provided by Victoria Ring is intended to be legal advice or recommendation for action, nor
should any information provided be construed as such advice or recommendation. Victoria Ring’s knowledge
is compiled from training received from individual attorney’s specializing in bankruptcy law, her day-to-day
working knowledge of bankruptcy law and her knowledge of preparing almost 1,800 bankruptcy petitions
during the course of her career. You understand that all legal advice must be obtained from an attorney
licensed to practice law in your state.
2. You agree to indemnify and hold harmless Victoria Ring, against any claim, liability, loss, or expenses,
including but not limited to attorney’s fees and court costs, arising directly or indirectly from use of the ser-
vices provided. You also assume all liability for costs involved in collection of fees due, including attorney’s
fees, court costs, account maintenance, and other collection expenses.
3. Victoria Ring’s liability in all instances are limited to the cost of the forms provided, and under no circum-
stances will Victoria Ring be responsible for other fees or costs incurred by yourself and/or spouse. You
understand that the $99.95 non-attorney bankruptcy preparation fee is non-refundable unless Victoria is
unable to prepare your petition for any reason.
4. Victoria Ring agrees to provide the following services for the $99.95 fee mentioned above:
Complete preparation of your entire bankruptcy petition. This includes all Schedules, Forms, Voluntary
Petition, Creditor’s Matrix, Summary of Schedules and 1015 Form if applicable to your state law or local
rules.
Step-by-step instruction sheets specifically customized for you; providing you the address of where you
are to file your bankruptcy petition at the Bankruptcy Court in your jurisdiction, general information
about your 341 Creditor’s Meeting as well as your final Confirmation Hearing.
Preparation of wage garnishment letters that will STOP any unauthorized deductions from your future
paychecks. They are prepared for your signature and mailing.
100% Guarantee that your bankruptcy petition will be accepted by the court as a complete, legal
document. Victoria Ring cannot guarantee you will receive a bankruptcy discharge. This guarantee can
only be provided by an attorney specializing in the are of bankruptcy law.
After you send in these forms to Victoria Ring for preparation of your bankruptcy petition, you can expect to
receive a telephone call or email within 3-5 days after receipt. If you cannot be reached by telephone or email,
Victoria will write you a letter letting you know any additional information she needs to complete your bankruptcy
petition. If, in the meantime, your financial situation changes in any way, it is your responsibility to email or call
Victoria immediately at 614-486-7642 or victoria@victoriaring.com so she can make any changes.
By signing below, you understand and agree to the statements made in this Agreement.
Debtor #1 Debtor #2 (if applicable)
Date: Date:
OTHER USES FOR THESE FORMS
The intake forms included in this package are not designed exclusively for our use. Below are
some suggested uses for these forms if you choose not to use our preparation service:
1. Fill out the forms and take with you to your bankruptcy attorney’s office. They will
provide the attorney will all the necessary information to assess your financial position
and provide you with a better level of legal advice. It also will save you and the attor-
ney a lot of time and may even reduce the attorney fee.
2. Fill out the forms and use the information to assess your own financial position. You
may find that you can pay your bills and may not have to file bankruptcy at all.
3. Make copies of the forms before you fill them out and pass them out to friends and
relatives who may be interested in filing bankruptcy. Write your name and address at
the top of the “GENERAL INFORMATION” form (Page 1) in the space provided (Re-
ferred By: _______.) We will send you a referral check of $15.00 for each bankruptcy
petition we process to thank you for your recommendation.
4. If you are seeking to start your own business providing bankruptcy services to the
general public, or if you are an attorney planning on expanding your business to
include debtor bankruptcy services, please visit http://www.lawyerassistant.com
and obtain your free intake forms customized with your name and address. We dis-
count our petition preparation service for legal professionals.
In addition, we provide a “Getting Started Package” for attorneys and paralegals if you
prefer to process your own bankruptcy petitions. This package contains a 2-hour
training CD, bankruptcy software and a healthy supply of debtor and creditor plead-
ings to get your new business up and running within days. For more information on
this package go to http://www.bankruptcyparalegalservices.com/cds/
Thank you again for utilizing the services of Bankruptcy Paralegal Services. We are unique in
the fact that we never place “making a buck” over high-quality service. While other companies
may boost of this fact, the majority of them don’t “walk the walk.” Bankruptcy Paralegal Ser-
vices was set up to be a personable, caring service for our clients. If at any time, we do not
meet your highest expectations, please let us know about it immediately so we can fix the
problem to your satisfaction.
Contact Information:
Victoria Ring, President
Bankruptcy Paralegal Services
1601 W Fifth Ave #123
Columbus, Ohio 43212-2303
(614) 486-7642 (24 hour answering machine)
email: victoria@victoriaring.com
http://www.bankruptcyparalegalservices.com/

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An Important Message to Legal Professionals:

Interested in Starting a Business?

Earn a $15.00 Referral Bonus:

Who Will Benefit From This Information ..................................................................... 1

The reason for this is because if you have a

Columbus Bar Association, associ-

HOW HARD IS IT TO FILE BANKRUPTCY? 2. Any wage garnishments taken

advice.com/ — This site lists a long list of 86. http://www.debtworkout.com/

78. http://www.kbb.com/ — Kelley SUMMARY

Make sure you answer every “yes” and “no”

What happens next? Thank you for choosing to utilize my services to

Name, First Middle (spell out) Last

Social Security Number Date of Birth

City State Zip

County of Residence Length of Time at This Address

Home Phone Other Phone

SPOUSE, First Name Middle (spell out) Last

Social Security Number Date of Birth

Address (if living separately)

City State Zip

Name Used Dates Used thru

Do you have a second mortgage on the real estate? YES NO

Type: Automobile Truck Motorcycle Mobile Home Other:

Make Model Year

Who’s name is on the title to this vehicle?

Do you make payments on this vehicle? YES NO If yes, who?

What are your monthly payments? Is vehicle leased? YES NO

Remember to list all motor vehicle debts on debt sheets.

Type: Automobile Truck Motorcycle Mobile Home Other:

Make Model Year

Who’s name is on the title to this vehicle?

Do you make payments on this vehicle? YES NO If yes, who?

What are your monthly payments? Is vehicle leased? YES NO

Remember to list all motor vehicle debts on debt sheets.

Make Model Year

Who’s name is on the title to this vehicle?

Do you make payments on this vehicle? YES NO If yes, who?

What are your monthly payments? Is vehicle leased? YES NO

Type: Automobile Truck Motorcycle Mobile Home Other:

Make Model Year

Who’s name is on the title to this vehicle?

Do you make payments on this vehicle? YES NO If yes, who?

What are your monthly payments? Is vehicle leased? YES NO

Name of Creditor Total amount you owe $

Address Account Number

City Date originally obtained the debt

State Zip Date last charged on this account

Address state year, make and model:

City Whose name is the debt under? (Husband, Wife,

State Zip Both, or is it cosigned?)

Name of Creditor Total amount you owe $

Address Account Number

City Date originally obtained the debt

State Zip Date last charged on this account

Address state year, make and model:

City Whose name is the debt under? (Husband, Wife,

Name of Creditor Total amount you owe $

Address Account Number

City Date originally obtained the debt

State Zip Date last charged on this account