Get the Help You Need When Filing for Bankruptcy in Queens
Client-focused legal advisor serving New York’s five boroughs and Long Island
You’ve decided that filing for bankruptcy is the right thing to do. What happens next? You need to determine which chapter you will file under, organize a lot of important paperwork and obtain consumer credit counseling within 180 days of filing, as required by law. You do not need a lawyer to take any of these steps. But going it alone puts you at risk for costly errors and incomplete filing. Consulting with Mark E. Cohen, Esq. is free and could offer a tremendous difference by making the bankruptcy process as seamless and positive as possible.
What you need to do to prepare for filing
The key to any bankruptcy is a full disclosure of your assets. That includes a complete list of what you own, what you owe and anything owed to you. When clients visit me in Queens for debt advice, I perform a thorough review of their financial documentation.
Some of the documents you need to collect include:
- Pay stubs or payroll information for the six months preceding petition for debt relief
- Tax returns with accompanying W2 and 1099 forms for two years prior to bankruptcy petition
- Bank statements from all bank accounts held by debtor for three months preceding petition
- Addresses of all real estate held individually or jointly
- Copies of any vehicle titles held by petitioner, whether the vehicles are functional or not
I am happy to provide you with a comprehensive list of required documentation needed to prepare your petition. Debts you forget to list in your bankruptcy filing will not be discharged or “forgiven” by the court. Working with an experienced attorney ensures that mistakes like this are avoided when you file bankruptcy in Queens.
Guiding you through the requirements for credit counseling
The Bankruptcy Fraud Prevention and Consumer Protection Act of 2005 may have made it more complicated for people to file for bankruptcy protection, but it did not make it impossible. One requirement it contains is that almost everyone planning to file is required to get credit counseling from a government-approved organization within six months prior to filing. In addition, you must also complete a debtor education course after you file but before your debts are discharged.
When choosing a credit counseling organization to fulfill these requirements, you want to ensure that it is an approved provider. I am familiar with the organizations in the area and can recommend several good choices for Queens debt management help. At Mark E. Cohen, Esq., I am committed to seeing you through the process with the courtesy and professionalism you deserve.
To ease the stress of overwhelming debt, call a bankruptcy lawyer in Queens
All too often, good people find themselves in financial trouble that quickly spirals out of control. For more than 30 years, I have helped people like you understand the available options, make informed decisions and navigate through the complex process of filing for bankruptcy.
Located on Old Country Road in Westbury, I offer a wide range of services to individuals and families from Brooklyn, Bronx, and all over NYC suffering from the weight of debt. Call Mark E. Cohen, Esq. at 718-487-9979 or contact me online to schedule a free consultation.