Blog Archive

When preparing for you free consultation with Mr. Mills, please bring the following documents to help us better understand your picture. If you can’t find all of these items, don’t let that discourage you from coming in. Often we can provide guidance on where this information can be obtained:

  • The most recent bill or statement from each creditor
  • All letters from collection agencies or lawyers
  • Any papers relating to a lawsuit
  • The past 6 months of paystubs
  • The past 2 years of tax returns
  • State ID (such as a driver’s license) and your Social Security card
  • A list of real estate and automobiles you own

Although this is not a complete list of what’s needed should you choose to pursue bankruptcy, it serves as a starting place to help us make an initial analysis of how we can provide the help you need.

A bankruptcy discharge gets rid of most typical debts, including:

  • Credit card bills
  • Medical bills
  • Personal loans
  • Some taxes
  • Lawsuits
  • Business debt
  • Deficiency claims (debts left over after repossession or sale of a car, home, or other property)

Occasions also exist when bankruptcy will allow you to reduce the amount you owe on your cars and other personal property.

This is not a complete list. We can help identify those debts that will be extinguished by a bankruptcy discharge.

Bankruptcy will not get rid of all types of debt.  These debts are referred to as non-dischargeable debts because you will continue to owe them after your bankruptcy case is over.

Some debts that will survive the bankruptcy include:

  • Most taxes
  • Most student loans
  • Child support and alimony
  • Debts arising from fraud or shortly before you file bankruptcy

This is not a complete list. We will help identify which debts may be forgiven, and those that will remain, based on your personal case.

The first step toward your fresh start is to call Mills Law and schedule your free consultation. You’ll need to bring certain information (see “What to Bring to the First Meeting”). During this appointment you’ll meet with David Mills to talk about your concerns, goals, and the details of your financial situation. Based on your assets, liabilities, income and your objectives, we’ll help you decide whether bankruptcy is right for you and, if so, what type (or chapter) of bankruptcy will most help you.

At this point you’ll receive a list of additional information to gather and an outline of the steps needed in order to prepare for bankruptcy filing. We’ll also discuss the cost of the bankruptcy case so that you can make an informed decision.

Once you’ve provided all the needed information we can prepare the required documents for Bankruptcy Court, which you will carefully review to make sure everything is accurate, truthful, and complete. Once you’ve finished this step, your case gets filed.

At that point, the automatic stay stops your creditors from calling, writing, or trying to collect from you. The court appoints a trustee to oversee your case and sets up a meeting between you and this trustee. Rest assured you won’t be alone as Mills Law will be with you each and every step along the way. Mr. Mills will attend this meeting where the trustee will ask you a series of questions to make sure the information you’ve provided is honest and accurate.

Once you complete the requirements of the Bankruptcy Court, you’ll receive the discharge, which is the forgiveness of debt, and your case will soon be closed allowing your life to move forward with a clean slate.


Copyright 2014 - Mills Law. Web design by Amanda C Creative