(785) 233-2068 712 South Kansas Avenue, Suite 200, Topeka, KS 66603 How to File Bankruptcy in Newton, Kansas for Free 1. Collect Your Documentsīefore getting started, you need to collect all your financial documents so you understand the current state of your finances.įirst, you need to obtain a copy of your credit report from Experian, Transunion, or Equifax to learn how much debt you owe. You can obtain your credit report from all three at. Some of your debts may not be listed on your credit report, like medical bills, personal loans, or tax debts. Any Other Documents relating to Your Assets, Debts, or Income.Valuations or appraisals of any real estate you own.Recent retirement account or brokerage account statements.Pay stubs or other proof of your income for the last 6 months.In addition to your credit report, you will need the following documents: Make a list of any missing debts as you will need to list all of them on your bankruptcy forms. Having these documents next to you will help you get an accurate picture of your finances. Take Credit CounselingĪn important first step to the bankruptcy process is credit counseling. Everyone who files for bankruptcy is required to take a credit counseling course that is approved by the Department of Justice.Ĭredit counseling courses like this one give you an idea of whether you really need to file for bankruptcy or whether you could get back on your feet through some type of informal repayment plan. You will provide the credit counseling agency with your income and expenses. Together, you will review the options for repaying the debt, like debt consolidation, or debt settlement. In many cases, this exercise only confirms that you don't have any feasible options for addressing the debt other than bankruptcy. The course takes at least one hour and can be completed online or by telephone. The course fee ranges from $10 to $50, depending on the provider. But if your household income is under 150% of the federal poverty line, you should be able to get this fee waived. Once you complete the course, you will receive a certificate of completion. You will need to give a copy of this certificate to the court when you file your bankruptcy forms in Step 5 3. The Bankruptcy Forms include 23 seperate forms totalling roughly 70 pages. The forms ask you about everything you make, spend, own and owe. If you download and print out the forms online, you will have to enter repetitive data and make lots of math calculations. #Daily record the newton kansan download.#Daily record the newton kansan for free.
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