The decision to file bankruptcy is your first step on the road to a brighter financial future. Once you've decided that bankruptcy is the best option, you'll need to start compiling the necessary documentation to move forward with filing. This can be an overwhelming aspect of the process; to help clear up any confusion, below are three types of documents to gather and bring with you to your attorney.

A Bankruptcy Checklist: Important Documents to Compile

1. All Financial Records

Bankruptcies are solely concerned with the filer's financial affairs. The courts are going to need to see evidence of all debts you’re carrying and how much you owe to creditors. Be sure to bring all financial records with you when meeting with your attorney. Items to include: recent bank statements, outstanding bills from creditors, proof of recent payments (such as payment-coupon stubs or emailed confirmations), and bills for major purchases made within the last year.

2. Legal Paperwork

If a creditor has filed a lawsuit against you in an attempt to collect on a past-due balance, gather all paperwork you have that’s associated with the legal claim and the debt itself. If you've filed for bankruptcy in the past, bring evidence of the final discharge from the courts. If you're required to pay child or spousal support, have the court orders that outline these obligations. All of this legal-related paperwork will give the courts a fuller picture of your responsibilities and the impact of the debts that have accrued.

3. Housing & Vehicle Records

The courts also need to see what regular payments a filer makes, in addition to the number of assets they own. Have your mortgage records or lease with you when meeting with a lawyer, as well as any car loan agreements or verification that a car has been paid off. Also, bring proof of all types of insurance you carry.

Having the above documentation will help you proceed much faster and more efficiently with your bankruptcy claim. An attorney can guide you throughout the process and ensure your rights and interests are protected. Curt Davis Law Office has been representing Pulaski County, KY, residents for over 30 years in bankruptcy, personal injury, and workers' compensation cases. Call (606) 678-2525 or visit them online to set up a free consultation today.