bankruptcy worksheets print clearly on all …...this is the required bankruptcy clas s to take...

1234 S. Main St, Suite 1000|Grand Prairie, Texas 75123|[email protected] 972.123.4567 | Fax 972.456.7890

Bankruptcy Worksheets

PRINT CLEARLY ON ALL PAGESFull Legal Name: ____________________________ Street Address: _____________________________ _______________________________________Mailing Address: ____________________________ _______________________________________County: __________________________________ Home Phone: ______________________________ Work Phone: _______________________________ Cell Phone: ________________________________Email: _____________________@____________Fax: ____________________________________Social Security Number: _______—_____—________ Other Tax IDs: _____________________________________________________________________What other personal or business names have you used in the last eight years? _______________________________________ _______________________________________

DEBTOR JOINT DEBTOR

Full Legal Name: ____________________________ Street Address: _____________________________ _______________________________________Mailing Address: ____________________________ _______________________________________County: __________________________________ Home Phone: ______________________________ Work Phone: _______________________________ Cell Phone: ________________________________Email: _____________________@____________Fax: ____________________________________Social Security Number: _______—_____—________ Other Tax IDs: _____________________________________________________________________What other personal or business names have you used in the last eight years? _______________________________________ _______________________________________

READ THE BANKRUPCTY ROADMAP MORE THAN ONCE: WWW.NixsonLAWFIRM.COM1. Complete these Worksheets. (set appt for help)

2. Give us with the date you need to file (when there is <$350 in bank accounts). ____/____/2014

3. Copy of Driver’s LiCense(s).

4. Copy of soCiaL seCurity Card(s).

5. Copy of last tWo tax returns.

6. Copy of DeCLaration PaGe of auto insurance (Ch13 only)

7. Copy of 6 months of Pay stubs (or list if self emp.)

8. Complete FinanCiaL Course one.

9. Complete Purple reaFFimation sheet (Ch7 only)

10.Complete FinanCiaL Course tWo by 341 mtg.

11.attend 341 meeting of Creditors. take DL & ss card.

NOW

NOWNOW

NOWNOWNOWNOWNOWNOW

HOTITEMSACTION


You must complete two financial education courses, the first one must be completed before you can file! Some providers have phone counseling and all provide online counseling. If you need to come in and use our computer, just let us know. Several choices for your first course are below:

FIRST FINANCIAL COURSE(also called prefiling course)

FYI: You can take your second course as soon as you have a CASE NUMBER – so get it done!

www.mybkcounseling.com

800-920-2262Course is Only $35.00

L EARNFINANCES.ORG

Call Toll-Free 1-877-380-NFLF (6353)Already Registered? Click to Login

© 2010 | National Financial Literacy Foundation, Inc | All rights reserved

The National Financial Literacy Foundation is a non-profit organization dedicated toimproving the personal financial knowledge and financial quality of life of consumers

through the development and nationwide state-of-the-art delivery of high-quality yet cost-effective comprehensive financial education and counseling programs.

BANKRUPTCY CREDIT COUNSELINGNFLF is approved* to offer pre-filing bankruptcy credit counseling services to consumers. This is the required bankruptcy class to take beforeyour attorney can make a bankruptcy filing. You may take the pre-bankruptcy course online or by telephone; it's your choice. There are no testsand you can't fail. After you complete the bankruptcy credit counseling course, you will receive your certificate of completion. Your bankruptcycounseling certificate will be sent to you immediately by email, fax, or mail. In-person counseling services are also available at our Maitland, FLoffice.

Online Bankruptcy Counseling Only $25 per Household!

>> Get Started Today by Calling 1-877-380-NFLF (6353) <<

Already Registered? Click to Login

FINANCIAL EDUCATIONNFLF offers financial education programs to consumers. These programs are designed to cover a wide variety of topics including budgeting,savings, credit, debt, personal financial management, insurance, retirement, and financial solutions. These programs can be tailored to meet theneeds of the individual consumer or a consumer group. Please contact our office today to learn how NFLF can design a program to meet theneeds of your organization.

FINANCIAL COUNSELINGNFLF offers personal credit counseling services to consumers needing such a service. A counseling session consists of an analysis of what hascaused financial distress if any exists, creation of a budget and then spending plan, and asset analysis, followed by a recommendation offinancial solutions. Consumers interested in completing a counseling session can contact NFLF directly.

*National Financial Literacy Foundation, Inc. is appoved to issue certificates in compliance with the Bankruptcy Code in all jurisdictions exceptfor North Carolina, Alabama, and Massachusetts. Approval does not endorse or assure the quality of an agency's service.

555 Winderley Place, Ste 300 | Maitland, FL 32751 | Phone 1-877-380-NFLF (6353) | Fax 877-390-NFLF | [email protected]

Hours of Operation: Monday-Friday, 9am-8pm ET

7/28/2010 Bankruptcy Counseling, Credit Counseli…

http://www.learnfinances.org/ 1/1

L EARNFINANCES.ORG
















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www.learnfinances.org

Toll Free: 1-866-729-0049

Monday - Friday 7:00am to 11:00pm (EST)

Saturday 8:00am to 8:00pm (EST)

HOME ABOUT US FAQS CONTACT US Select Language

Bankruptcy courses are also available by telephone:

Telephone Pre-Filing is $50 Telephone Pre-Discharge is $25 Please call toll-free to get started by phone: 1-866-729-0049

*InCharge Education Foundation, Inc. is approved to issue certificates in compliance with the Bankruptcy Code. Approvaldoes not endorse or assure the quality of an agency's services.

About Us | Contact Us | FAQs | Terms & Conditions | Incharge Education Foundation | Site MapPre-Filing Bankruptcy Credit Counseling | Pre-Discharge Debtor Education | Bankruptcy Attorney Management

System

© 2006 - 2010 InCharge® Education Foundation, Inc. 5750 Major Blvd, Suite 310, Orlando, FL 32819 All Rights Reserved Privacy Policy

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Approved by the U.S. Trustees Office in all jurisdictions except for North Carolina and Alabama. Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.

Copyright © 2005 - 2010 Cricket Debt Counseling, All Rights Reserved • Telephone: 1-866-719-0400 • Privacy Policy

Home About Us Attorneys Contact Us Hours of Operation

7/28/2010 Cricket Debt Counseling

http://cricketdebt.com/ 1/1

WWW.CRICKETDEBT.COMAbout Us

About Cricket Debt About Solid Start

About Cricket Debt Telephone: 1-866-719-0400

Cricket Debt Counseling was started by former Bankruptcy attorneys and financial planning professionals to

provide unbiased and accurate credit counseling information to individuals seeking bankruptcy protection.

Cricket Debt Counseling is a non-profit, tax exempt 501(c)(3) organization approved by the United States

Trustees as a Nonprofit Budget and Credit Counseling Agency in every Judicial District in its jurisdiction.†

Cricket Debt offers the credit counseling required by §109(h)(1) of the Bankruptcy Code as a prerequisite to

filing for individual debtor bankruptcy protection.

Cricket Debt does not offer Debt Management Plans, and Cricket Debt is not affiliated with any bank, credit

card company, collection agency, or credit counseling agency. Cricket Debt has no vested financial interest in

the outcome of counseling, and will always present an unbiased viewpoint concerning the relative benefits and

disadvantages associated with debt management plans versus personal bankruptcies. No agenda will ever

color Cricket Debt's advice.

Cricket Debt provides its services without regard to a client's ability to pay. Debtors who cannot afford the

counseling fee may request a waiver from Cricket Debt.

About Solid Start Telephone: 1-866-467-4147

Solid Start Financial Education Services, LLC, is based in Clackamas, Oregon.

Solid Start Financial is approved by the United States Trustees as a Debtors Education Provider in every

Judicial District in its jurisdiction.† Solid Start offers the Debtors Education course required under the

Bankruptcy Code as a prerequisite to discharge of a debtor's debts in bankruptcy.

Solid Start is not affiliated with any bank, credit card company, collection agency, or credit counseling agency.

Solid Start provides its services without regard to a client's ability to pay. Debtors who cannot afford the

counseling fee may request a waiver from Solid Start.

† Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure

the quality of an Agency's services.



Home AboutUs Attorneys Contact

UsHours ofOperation

7/28/2010 Cricket Debt Counseling provides couns

http://cricketdebt.com/about.php 1/1

1-866-719-0400

Date of the course: Company used: Send Certificate to: ____/____/2014 (circle ad below) [email protected]

HOTITEMACTION

Cons

umerB

ankru

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eling

.INFO

$5(W

ARNI

NG!

Take

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week

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is certificate.)

Online & Phone: $25 single / joint Attny Code: 10301

www.pioneercredit.com

PHONE: $30.00 single/$40.00 joint. www.the mesquite group.org 817-769-4069

s Español available

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1234 S. Main St, Suite 1000|Grand Prairie, Texas 75123|[email protected] | Phone 972.123.4567 | Fax 972.456.7890

GENERAL INFORMATION

DEPENDANTS: List all children or family members living in your household who depend on you for food and shelter. Also provide the amount of monthly support received for their care (child support or government assistance), if any:

NAME AGE RELATIONSHIP AMOUNT RECEIVED_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Now list all children or family members who do not live with you for whom you pay out child support of assistance:

NAME AGE RELATIONSHIP AMOUNT RECEIVED_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Please be sure you have listed all children you are responsible for.

MARITAL STATUS: (circle) MARRIED SINGLE DIVORCED SEPARATED WIDOWED COMMON-LAW

DEBTOR SPOUSE_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

AGEOCCUPATION

LENGTH OF EMPLOYMENTEMPLOYER NAME

EMPLOYER ADDRESS

DEBTOR JOINT DEBTOR__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

HAVE YOU EVER FILED ANY TYPE OF BANKRUPTCY:IF SO, HOW MANY TIMES:

LIST CHAPTER(s) FILED AND CASE NUMBER(s):WHERE DID YOU FILE:DATE(s) OF FILING(s):

DID YOU RECEIVE A DISCHARGE:ARE YOU CURRENTLY INVOLVED IN A BANKRUPTCY:

PRIOR BANKRUPTCIES:

DEBTOR RESIDES AS A TENANT ON RESIDENTIAL PROPERTY: Does your landlord have a judgement against you to get their rental property back? NO YES (If yes, answer the following)

____________________________________________________________________________

NAME OF LANDLORD THAT FILED JUDGEMENT:ADDRESS OF LANDLORD:

YOUR PRIOR ADDRESSES IF LIVED AT CURRENT ADDRESS FOR LESS THAN TWO YEARS: DATE DATEAddress ___________________________________________________ from _________ until _________Address ___________________________________________________ from _________ until _________Address ___________________________________________________ from _________ until _________

Page 2 General Info


YOUR SECURED DEBTSMORTGAGES ON PRINCIPAL RESIDENCE:

_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONCREDITORADDRESS

ACCOUNT NUMBERAMOUNT OWED $

IT’S MKT. VALUE $CO-DEBTOR

COLLECTION AGENCYADDRESS

AUTO LOANS : _________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





OTHER SECURED DEBTS:_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





__________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONADDRESS


DATE INCURRED

FEDERAL TAX DEBT: __________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONADDRESS


DATE INCURRED

STATE TAX DEBT:

Secured debts are car loans, home loans, home equity loans, second mortgages,

or any other loans where property is pledged as security. All other types of

debts are unsecured.

Page 3 Your Secured Debts

_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________TOTAL $_____________




ADDRESS/FAX/PHONEMONTHLY PAYMENT

NO.of MONTHS BEHIND

COLLECTION AGENCY or FORECLOSURE ATTNY

_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________TOTAL $_____________




ADDRESS/FAX/PHONEMONTHLY PAYMENT

NO.of MONTHS BEHIND

COLLECTION AGENCY or FORECLOSURE ATTNY


YOUR UNSECURED DEBTSSecured debts are car loans, home loans,

home equity loans, second mortgages, or any other loans where property is

pledged as security. All other types of debts are unsecured.

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________



CO-DEBTORCOLLECTION AGENCY

ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

Page 4 Your Unsecured Debts

REGARDING THIS SECTION AND THE LAST SECTION—LISTING YOUR DEBTS IS THE MOST IMPORTANT THING YOU WILL DO DURING THIS PROCESS. MAKE SURE YOU HAVE THOUGHT OF EVERYTHING. FOLLOWING ARE SOME EXAMPLES OF POSSIBLE TYPES OF DEBTS YOU MAY HAVE FORGOTTEN TO INCLUDE OR DIDN’T THINK YOU NEEDED TO INCLUDED:

reaD throuGh aLL oF these: Credit Unions • Timeshare • Campground • Lease on building, vehicle, equip-ment • Spa membership • Furniture • Medical bills that may not get paid by insurance • Owe ex-spouse • Store Account • Overdraft protection debts • Is your name on a debt taken over by a relative/friend • Someone took over payments in your name • Lost house or mobile home covered by FHA or VA • Current home is covered by FHA or VA • Old repos or foreclosures • Owe taxes • Didn’t file taxes • Claim against you due to car accident • Returned merchandise thinking the debt was canceled • Co-signed a loan • You have co-signers • Contact or obligation if something does not work out you still owe money • Owned or had interest in a business within last two years • In last 60 days you purchsed anything or got cash advance over $1000


______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




ADDRESS



DESCRIPTION ADDRESS COUNTY TAX APPRAISAL $____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

PROPERTY APROPERTY BPROPERTY CPROPERTY D

YOUR PROPERTY

REAL PROPERTY: (House, land, oil lease, gas lease, burial plots, crypts)

1. CASH IN YOUR POCKETS $____________PERSONAL PROPERTY:

AppliancesMicrowave $__________Refrigerator $__________Freezer (large) $__________Washing Machine $__________Dryer $__________Other $__________

Misc.Plates, China, etc. $__________Silverware $__________Other $__________

BANK TYPE ACCOUNT NUMBER AMOUNT IN ACCT____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

ACCOUNT AACCOUNT BACCOUNT CACCOUNT D

2. BANK ACCOUNTS IN YOUR NAME (checking, savings, certificates of deposit, etc.)

DESCRIPTION AMOUNT OF DEPOSIT______________________________________________________________________________________________________________________________________

DEPOSIT ADEPOSIT B

3. SECURITY DEPOSITS (utility companies, landlords, etc.)

4. HOUSEHOLD GOODS (garage sale value)FurnitureLiving Room $__________Den $__________Bedroom $__________Lawn $__________Dining Room $__________Bedroom $__________Other $__________

Household Tools $__________Antiques $__________

Electronics (how many) TV ( ) $__________VCR ( ) $__________Stereo ( ) $__________Computer ( ) $__________DVD Player ( ) $__________Game System ( ) $__________Piano/Organ ( ) $__________

Spa/Hot Tub $_____________________ $__________

5. COLLECTORS ITEMS (books, art, records, pictures, stamps, coins, etc – FAIR MARKET value)___________ $__________ ___________ $__________ ___________ $__________

6. CLOTHES (garage sale value) $____________

7. FURS (pawn shop or garage sale value) $________ JEWELRY (pawn shop or garage sale value) $_________8. HOBBY ITEMS (guns, sports and recreational equipment, cameras, video cameras - pawn shop or garage sale value)___________ $__________ ___________ $__________ ___________ $_____________________ $__________ ___________ $__________ ___________ $_____________________ $__________ ___________ $__________ ___________ $__________

9. LIFE INSURANCE (cash value) $________ 10. ANNUITIES $________ 11. EDUCATION IRAs $________12. RETIREMENT FUNDS (IRA, ERISA, 401K, KEOGH, etc.– ATTACH COPY of retirement plan) $__________13. STOCK or other OWNERSHIP INTERESTS in corporation(s) or any other business(es) $__________14. INTEREST IN PARTNERSHIP(s) or any other BUSINESS(es). $__________

Page 8 Your Property


16. PEOPLE, BUSINESSES or ORGANIzATIONS that OWE YOU money. $__________ $__________15. GOVERNMENT or CORPORATE BONDS. $__________

17. ALIMONY, SUPPORT and MARITAL PROPERTY SETTLEMENTS you are or may become entitled to. $_________ Explain:_____________________________________________________________________18. OTHER DEBTS OWED TO YOU including Tax Refunds you have not yet received. $_________ $_________ 19. EqUITABLE FUTURE INTERESTS, LIFE ESTATES. $____________ $____________ 20. Are you expecting money from an INHERITANCE TRUST or LIFE INSURANCE? $________ Explain:______________________________________________________________________21. COUNTER CLAIMS IN A LAW SUIT or RIGHT TO HAVE SOME OF YOUR DEBT FORGIVEN. $_________ Explain:______________________________________________________________________

22. PATENTS, COPYRIGHTS, other INTELLECTUAL PROPERTY $__________ $__________23. LICENSES or FRANCHISE RIGHTS $__________ $__________24. CUSTOMER LIST(s) $__________ $__________25. List all VEHICLES and TRAILERS in your name, even if it’s paid off: MAKE MODEL YEAR MILEAGE VALUE____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

26. List all BOATS and MOTORS in your name, even if it’s paid off: MAKE MODEL YEAR VALUE___________________________________________________________________________

27. List all AIRCRAFT in your name, even if it’s paid off. MAKE MODEL YEAR VALUE___________________________________________________________________________

28. BUSINESS OFFICE EqUIPMENT, FURNISHINGS, SUPPLIES.___________ $__________ ___________ $__________ ___________ $_____________________ $__________ ___________ $__________ ___________ $_____________________ $__________ ___________ $__________ ___________ $__________

29. BUSINESS MACHINERY, FIXTURES, EqUIPMENT.___________ $__________ ___________ $__________ ___________ $_____________________ $__________ ___________ $__________ ___________ $_____________________ $__________ ___________ $__________ ___________ $__________

30. BUSINESS INVENTORY (attach list). 31. ANIMALS & PETS $__________ 32. CROPS $__________

33. FARM EqUIPMENT, IMPLEMENTS, even if it’s paid off. MAKE MODEL YEAR VALUE______________________________________________________________________________________________________________________________________________________

34. FARM SUPPLIES CHEMICALS FEED $__________ $__________ $__________ $__________

35. ANY OTHER PERSONAL PROPERTY NOT LISTED.___________ $__________ ___________ $__________ ___________ $_____________________ $__________ ___________ $__________ ___________ $_____________________ $__________ ___________ $__________ ___________ $__________

Page 9 Your Property


___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONLESSOR

ADDRESS

ACCOUNT NUMBERRENT

CO-DEBTORADDRESS

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONLESSOR

ADDRESS

ACCOUNT NUMBERRENT

CO-DEBTORADDRESS

YOUR LEASES OR CONTRACTS TO PURCHASE

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONLESSOR

ADDRESS

ACCOUNT NUMBERRENT

CO-DEBTORADDRESS

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONLESSOR

ADDRESS

ACCOUNT NUMBERRENT

CO-DEBTORADDRESS

GROSS MONTHLY INCOME

_________________________________________________________

_________________________________________________________

_________________________________________________________

_________________________________________________________

_________________________________________________________

_________________________________________________________

_________________________________________________________

SIX MONTHS AGO

FIVE MONTHS AGO

FOUR MONTHS AGO

THREE MONTHS AGO

TWO MONTHS AGO

LAST MONTH

TOTAL GROSS INCOME FOR LAST SIX MONTHS (before filing BK)

RENT APT?

Y N

CELL PHONE

OR BURG. ALARM

RENT TO

OWN? Y N

OILAND GAS?

Y N

Page 10 Your Leases & Income

Gross income includes taxes and deductions. Net income means taxes and deductions have been subtracted out. Include: Bonuses and income from any and allsources (social security, unemployment, retirement, disability, etc.)

DEBTOR SPOUSE


DEBTOR SPOUSE_________________________________________________________

__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

GROSS WAGES PER PAY PERIODDEDUCTIONS:

FEDERALMEDICARE

SOCIAL SECURITYINSURANCE

RETIREMENTOTHER ________________OTHER ________________OTHER ________________

NET TAKE HOME PER PAY CHECK NET TAKE HOME PAY PER MONTH

YOUR OTHER INCOME

DEBTOR SPOUSE

YES NO YES NO

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

DO YOU HAVE INCOME FROM ANY OF THE FOLLOWING SOURCES?

(consistant, on-going) INCOME FROM A BUSINESS,

PROFESSION, OR FARM (NET) INCOME FROM REAL PROPERTY

INTEREST / DIVIDENDSPENSION / RETIREMENT

ALIMONYSOCIAL SECURITY / ASSISTANCE

CHILD SUPPORTDISABILITY PLAN OR INSURANCE

GIFTS FROM RELATIVES / FRIENDSSALES COMMISSION

OTHER___________________OTHER___________________

We need to know about any and all income you have in addition to your regular job. Please use monthly figures.

DO YOU ExPECT ANY INCREASE OR DECREASE IN YOUR INCOME (MORE THAN 10%) IN THE NExT 12 MONTHS? YES NO DEBTOR _________________________________________________________________________________________________________________________________________________________________SPOUSE __________________________________________________________________________________________________________________________________________________________________

WILL YOU NEED TO TO REPLACE OR BUY A VEHICLE IN THE NEAR FUTURE? YES NO WHEN_________________

YOUR EMPLOYMENT INCOME

HOW OFTEN IS DEBTOR PAID: (circle) WEEKLY EVERY TWO WKS FIRST & FIFTEENTH MONTHLY OTHER__________

HOW OFTEN IS SPOUSE PAID: (circle) WEEKLY EVERY TWO WKS FIRST & FIFTEENTH MONTHLY OTHER__________

Gross income includes taxes and deduc-tions. Net income means taxes and

deductions have been subtracted out.

Page 11 Your Income


YOUR EXPENSES

RENT / MORTGAGE

REAL STATE TAXES (annual) If NOT included in mortgage

PROPERTY INSURANCE (annual) If NOT included in mortgage

ELECTRICITY / HEATING FUEL (gas/propane)

WATER & SEWER

TELEPHONE (Including long distance)

CABLE

GARBAGE PICK-UP (if not included in water bill)

INTERNET

HOME SECURITY

HOME MAINTENANCE (repairs/upkeep)

FOOD

CLOTHING

LAUNDRY / DRYCLEANING

MEDICAL / DENTAL EXPENSES (if not included in paycheck)

TRANSPORTATION (not car payments)

RECREATION, CLUBS, ENTERTAINMENT, NEWSPAPERS, ETC.

CHARITABLE CONTRIBUTIONS

HOMEOWNER’S / RENTER’S INSURANCE

LIFE INSURANCE

HEALTH INSURANCE

AUTO INSURANCE

__________________________ OTHER INSURANCE

DEBTOR SPOUSE (IF IN SEPERATE HOUSEHOLD)

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

Use average monthly figures unless otherwise indicated. If you are married, living together and filing bankruptcy together with your spouse–only fill out the deBtor column. If you are married, but sepa-

rated and filing together–fill out Both columns.

ARE TAXES INCLUDED IN YOUR HOUSE PAYMENT / RENT? YES NO IS INSURANCE INCLUDED IN YOUR HOUSE PAYMENT / RENT? YES NO

Page 12 Your Expenses


INSTALLMENT AUTO PAYMENTS

INSTALLMENT AUTO PAYMENTS

_______________________________

_______________________________

_______________________________

_______________________________

ALIMONY, MAINTENANCE and SUPPORT PAID TO OTHERS

CHILD CARE

DEPENDANTS NOT LIVING WITH YOU (students, parents)

OPERATING EXPENSES (Of business, profession or farm)

STUDENT LOAN

____________________________ OTHER EXPENSE

____________________________ OTHER EXPENSE

____________________________ OTHER EXPENSE

TOTAL MONTHLY EXPENSES

DEBTOR SPOUSE

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

DESCRIBE ANY INCREASE OR DECREASE IN EXPENDITURES RESONABLY ANTICIPATED TO OCCUR THE YEAR FOLLOWING THE FILING OF THIS BANKRUPTCY _____________________________________________________________

Use average monthly figures unless otherwise indicated. If you are married, living together and filing bankruptcy together with your spouse–only fill out the deBtor column. If you are married, but separated and filing together–fill out Both columns.

Page 13 Your Expenses

LIST SELF-EMPLYOMENT BUSINESS EXPENSES

_______________________________

_______________________________

_______________________________

_______________________________

_______________________________

TOTAL MONTHLY EXPENSES

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

__________________________________________

OTHER INSTALLMENT PAYMENTS(furniture, rental property,

jewelry, boat, etc.—list below)


STATEMENT OF FINANCIAL AFFAIRS

DEBTOR SPOUSE____________________________________________________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONINCOME YEAR TO DATE

LAST YEARYEAR BEFORE

1. INCOME FROM EMPLOYMENT OR OPERATION OF A BUSINESS (Gross income)? Y N

DEBTOR SPOUSE____________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________







2. INCOME FROM ANYWHERE ELSE (2nd job, interest income, dividends, worker’s comp, benefits from disability/SS/pension/retirement/etc., rents received, alimony, child support, government assistance, etc.)? Y N

DEBTOR SPOUSE____________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________

CREDITORAMOUNT PAID

PAYMENT DATESAMOUNT OWED

CREDITORAMOUNT PAID


CREDITORAMOUNT PAID


3A. PAYMENTS TO CREDITORS (have you made payments to any one creditor totalling more than $600 in the past three months? Y N

If you need to list more items than space allows - circle Y and

then ATTACH LIST.

Page 14 SOFA-1 to 3a


DEBTOR SPOUSE_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONRELATIONSHIP TO YOU

AMOUNT PAIDPAYMENT DATESAMOUNT OWED

DESCRIPTIONRELATIONSHIP TO YOU

AMOUNT PAIDPAYMENT DATESAMOUNT OWED

3B. PAYMENTS TO FRIENDS, FAMILY, BUSINESS ASSOCIATES IN THE LAST TWELVE MONTHS? Y N

__________________________________________________________________________________________________________________________________________________________________

CASE TITLECASE NUMBER

COURT LOCATIONPROCEEDING TYPE

ATTORNEYSTATUS OF SUIT

4A. LAWSUITS, JUDGEMENTS, ADMINISTRATIVE PROCEEDINGS, DIVORCE, FORECLOSURE IN THE LAST 12 MONTHS (with official notice) ? Y N

__________________________________________________________________________________________________________________________________________________________________




__________________________________________________________________________________________________________________________________________________________________




__________________________________________________________________________________________________________________________________________________________________




__________________________________________________________________________________________________________________________________________________________________


DATE OF SEIzUREVALUE

__________________________________________________________________________________________________________________________________________________________________


DATE OF SEIzUREVALUE

4B. PROPERTY GARNISHED, ATTACHED OR SEIZED DURING LAST 12 MONTHS? Y N

__________________________________________________________________________________________________________________________________________________________________


DATE OF REPOVALUE

__________________________________________________________________________________________________________________________________________________________________


DATE OF REPOVALUE

5. REPOSSESSIONS, FORECLOSURES, VOLUNTARY RETURNS DURING LAST 12 MONTHS? Y N

Page 15 SOFA-3b to 5


__________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONASSIGNEEADDRESS

DATE OF ASSIGNMENTVALUE

_____________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONRECIPIENTADDRESS

RELATIONSHIP (if any)DATE OF GIFT

VALUE

6A. GIVEN ANY PROPERTY TO CREDITOR IN LAST 120 DAYS? Y N

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONASSIGNEEADDRESS

NAME OF COURTADDRESS

CASE TITLE & NUMBERDATE

VALUE

_____________________________________________________________________________________________________________________________________________________________________________________________



VALUE

6B. PROPERTY WITH CUSTODIAN, RECEIVER, OR COURT APPOINTED OFFICIAL IN PAST 12 MONTHS? Y N

7. GIFTS/CHARITABLE CONTRIBUTIONS DURING LAST 12 MONTHS (do not include ordinary/usual gifts to family totaling less than $200 each or less than $100 each per charity gift. Y N

_____________________________________________________________________________________________________________________________________________________________________________________________



VALUE

8. LOSSES FROM FIRE, THEFT, OTHER CASUALTY OR GAM- BLING DURING LAST 12 MONTHS? Y N

________________________________________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONDATE OF LOSS

CIRCUMSTANCESVALUE OF PROPERTY

INSURANCE

9. DEBT RELIEF (other than this firm, have you paid any other attorney or debt counselor) DURING LAST 12 MONTHS? Y N

_____________________________________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONRECEIVER’S NAME

ADDRESS

DATE OF PAYMENTPERSON WHO PAID

$ PAID OR VALUE

If you need to list more items than space allows - circle Y (yes) and then ATTACH LIST.

10A. TRANSFERS (other than that transferred in the ordinary course of the business/financial affairs of the debtor, have you transferred or sold any of your property) DURING LAST 12 MONTHS? Y N

__________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONRECEIVER’S NAME

ADDRESS

DATE OF TRANSFER$ PAID OR VALUE

10B. PROPERTY TRANSFERRED BY THE DEBTOR DURING THE PAST 10 YEARS TO A SELF-SETTLED TRUST (or similar device) WHICH THE DEBTOR IS BENEFICIARY? Y N

__________________________________________________________________________________________________________________________________________________________________

DESCRIPTIONTRUST/DEVICE NAME

ADDRESS

DATE OF TRANSFER$ OR VALUE

Page 16 SOFA-6 to 10


11. CLOSED FINANCIAL ACCOUNTS (have you closed or transferred any bank accounts to anyone) IN PAST 12 MONTHS? Y N

_____________________________________________________________________________________________________________________________________________________________________________________________

INSTITUTIONADDRESS

TYPE OF ACCOUNTACCOUNT NUMBER

FINAL BALANCECLOSING DATE


12. SAFE DEPOSIT BOX (have you had a safe deposit box) IN PAST 12 MONTHS? Y N

______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

BOX NUMBERINSTITUTION

ADDRESS

ALL WHO HAD ACCESSTHEIR ADDRESSES

CONTENTSVALUE

CLOSING DATE

13. SETOFFS (has any bank taken money out of your account or has any creditor refused to pay you because you owe them money) IN PAST 3 MONTHS? Y N

_______________________________________________________________________________________________________________________________________

BANK / CREDITORADDRESS

DATE OF SETOFFAMOUNT

14. PROPRTY HELD FOR ANOTHER PERSON (do you have in your possession property that you borrowed or are storing for another person)? Y N

__________________________________________________________________________________________________________________________________________________________________

OWNERADDRESS

PROPERTYVALUE

LOCATION OF PROP.

15. PRIOR ADDRESS (have you lived anywhere else) IN THE PAST 3 YEARS? Y N

_______________________________________________________________________________________________________________________________________

ADDRESS 1

NAME USEDMOVE IN DATE

DATE LEFT

_______________________________________________________________________________________________________________________________________

ADDRESS 2

NAME USEDMOVE IN DATE

DATE LEFT

16. CURRENT SPOUSE and/or PRIOR SPOUSES DURING PAST 8 YEARS? Y N

_________________________________________________________________________________

CURRENT SPOUSEADDRESS

_________________________________________________________________________________

PRIOR SPOUSE 1ADDRESS

_________________________________________________________________________________

PRIOR SPOUSE 2ADDRESS

17. ENVIRONMENTAL NOTICE FROM GOVERNMENTAL UNIT (attach list answering questions A-C? Y N

A. List the name and address of every site for which you have received notice in writing by a governmental unit that it may be liable or potentially liable under or in violation of an environmental law, which gov’t unit, date of notice, and law that was violated.

B. List the name and address of every site for which you provided notice to a governmental unit of a release of Hazardous Material, gov’t unit, date of notice, and law that was violated (if known).

C. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to which you are or was a party, govern’t unit, status of disposi- tion, and docket number.

Page 17 SOFA-11 to 17


18. BUSINESS OWNER, PARTNER OR CORPORATION? Y N

________________________________________________________________________________________________________________________________________________________________________________________________________________________

COMPANY NAMEADDRESS

LOCATIONSTAXPAYER ID or SS#

NATURE OF BUSINESSBEGINNING DATE

ENDING DATE


IF THE DEBTOR IS AN INDIVIDUAL (list any business which you were an officer, director, partner, or manageing exuctive of a corporation, partnership, or were a self-employed profes-sional, or in which you owned 5% or more of the voting or equity securities WITHIN THE LAST 6 YEARS.

________________________________________________________________________________________________________________________________________________________________________________________________________________________

IF THE DEBTOR IS A PARTNERSHIP (list any business which you were a partner, or in which you owned 5% or more of the voting or equity securities WITHIN THE LAST 6 YEARS.

COMPANY NAMEADDRESS



ENDING DATE

________________________________________________________________________________________________________________________________________________________________________________________________________________________

IF THE DEBTOR IS A CORPERATION (list any business which you were a partner, or in which you owned 5% or more of the voting or equity securities WITHIN THE LAST 6 YEARS.

COMPANY NAMEADDRESS



ENDING DATE

19. BOOKS, RECORDS & FINANCIAL STATEMENTS? Y N

____________________________________________________________________________________________________________

BOOKKEEPER NAMEADDRESS

DATES

A. BOOKKEEPERS (list all bookkeepers who WITHIN THE LAST 2 YEARS IMMEDIATELY BEFORE the filing of this bankruptcy kept or supervised the keeping of the books of accounts and records of the debtor).

____________________________________________________________________________________________________________

BOOKKEEPER NAMEADDRESS

DATES

____________________________________________________________________________________________________________

AUDITOR NAMEADDRESS

DATES

B. AUDITORS (list all firms or individuals who WITHIN THE LAST 2 YEARS IMMEDIATELY BEFORE the filing of this bankruptcy have audited the books of accounts and records or prepared a financial statement of the debtor).

____________________________________________________________________________________________________________

AUDITOR NAMEADDRESS

DATES

_________________________________________________________________________________

NAMEADDRESS

C. POSSESSION (list all firms or individuals WHO AT THE INITIATION OF THIS BANKRUPTCY were in possession of the books of account and records of the debtor. If any are not available, explain).

______________________________________________________

EXPLAINATION

____________________________________________________________________________________________________________

NAMEADDRESS

DATE ISSUED

D. FINANCIAL STATEMENTS (list all financial institutions, credi-tors and other parties, including mercantile and trade agencies, who received a financial statement WITHIN THE LAST 2 YEARS IMMEDIATELY BEFORE the filing of this bankruptcy).

Page 18 SOFA-18 & 19


DESCRIPTION Office Use House 1: ______________________________ Surrender____ Reaffirm____ Retain & Pay____ Redeem____ REQ REC SENTHouse 2: ______________________________ Surrender____ Reaffirm____ Retain & Pay____ Redeem____ REq REC SENTAuto 1: ______________________________ Surrender____ Reaffirm____ Retain & Pay____ Redeem____ REQ REC SENTAuto 2: ______________________________ Surrender____ Reaffirm____ Retain & Pay____ Redeem____ REq REC SENTAuto 3: ______________________________ Surrender____ Reaffirm____ Retain & Pay____ Redeem____ REq REC SENTOther 1: ______________________________ Surrender____ Reaffirm____ Retain & Pay____ Redeem____ REQ REC SENTOther 2: ______________________________ Surrender____ Reaffirm____ Retain & Pay____ Redeem____ REq REC SENT

Siganture: __________________________________ Dated: ______ / ______ / 2014

If someone files a bankruptcy while having secured* property they will have to advise the secured lenders that they want to either:

OPTION 1- SURRENDERThe collateral may be surrendered back to the lender who will sell the property and apply the proceeds to the outstanding balance of your loan. Assuming your case completes and you receive a discharge, any deficiency balance owed on the property will be eliminated in the bankruptcy. This is a good option if you are unsure you will be able to make the payments moving forward, or if the collateral is damaged and you owe more than the property is worth.

OPTION 2- REAFFIRMThis option has legal consequences that should be considered carefully before a decision is made. A reaffirmation agreement is a contract that puts the debtor “back on the hook” for the debt despite the bankruptcy. This is the downside of reaffirming a debt. If you default in the future, the creditor can repossess the collateral AND sue you for any balance you owe (Note: In the state of Texas, as long as you pay your mortgage, the mortgage co. cannot foreclose on your homestead). The only benefit of reaffirming a debt is that the payments made after the debt is reaffirmed are reflected on your credit report to help you begin to reestablish credit (if you have not re-affirmed the debt, the mortgage co. does not have to report that you have been paying the debt). That being said, there are many other things you can do to reestablish credit after a bankruptcy without reaffirming, and this alone should not be the sole consideration in making a decision to reaffirm. Most creditors require that you be current on your payments to reaffirm.

Statement of Intentions (About Reaffirmation)OPTION 3- RETAIN AND PAYRegarding personal property, most secured lenders will continue to accept your monthly payments and allow you to keep the collateral even if you haven’t indicated intent to reaffirm your debt. This is known as the “retain and pay” option. It is an informal option not spe-cifically recognized by the Bankruptcy Code. Retain and Pay is an attractive option if the lender will accept it. However, debtor’s choos-ing this option must be comfortable with a lack of certainty or predictability. Some lend-ers like Ford Motor Credit, GMAC and Daimler Chrysler state they will repossess vehicles unless the debt is timely reaffirmed. Other lenders like Toyota typically feel that it is better to receive monthly payments under the informal “retain and pay” option rather than lose money by selling repossessed vehicles at auction prices. It is possible, however, that you think your lender has decided to continue to accept your payments only to learn the lender wants the vehicle back, as the secured creditor still maintains their security interest in the property, until paid in full. In any case you are not legally responsible for the debt. In regards to real property, your homestead cannot be taken from you, as long as you pay your mortgage (and are current).

OPTION 4- REDEEMBankruptcy law allows debtors to “redeem,” or buy out personal property secured by liens for the market value of the property rather than what’s owed on it. The downside here is that you must pay the lender the market value in a lump sum which is difficult for most. There are lenders who will finance a loan for the market value of the property, however the interest rates are high and should be factored into the overall net benefit to the debtor.

IN SUMMARYBasically, reaffirmation means you’re re-obligating yourself for the debt. If you do reaffirm and are later unable to keep up the payments, the creditor could make collec-tion calls, send collection letters, sue you, or foreclose on your property. In some cases a client wants to reaffirm, but it is not an option recommended by The Nixson Law Firm absent special circumstances (i.e. creditor agrees to lower your interest rate or reduces your principal balance). If you don’t reaffirm and choose to ‘retain & pay’ by keeping current on payments, you may later give up the property if you decide to without being liable for any deficiencies, as the underlying debt has been discharged.

FACTS / TIMELINESWhen we file your bankruptcy we are required to file a Statement Of Intention regarding your secured property so you must have this form filled out and turned in before that date.

The law requires you to “perform” your inten-tions regarding financed personal property within 45 DAYS of the Meeting of Creditors (341). A debtor may repay as many dis-chargeable debts as desired after filing under chapter 7. By repaying one creditor, a debtor does not become legally obligated to repay any other creditor.

A reaffirmation agreement can be canceled anytime before the court issues your discharge or within 60 days after the agree-ment is filed with the court, whichever gives you the most time.

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*Examples of secured loans are a mortgage, car loan, store property, etc,– but they may, or may not, be secured debt.

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You must complete two financial education courses–the second to be completed by your 341 meeting. You can take this course as soon as you have a case number–you are assigned this at your 1st filing (call us that day to get the info to fill in your small lime green sheet). Some providers have phone courses and all provide online courses. If you need to use our computer, just let us know. Several choices are:

SECOND REQUIRED COURSE(also called pre-discharge course)

www.daveramsey.com/bankruptcy

Online Streaming VideoVideo is streamed over theinternet to your computer.Workbook available fordow nload.

Why Dave Ramsey's Debtor Education Course?Dave understands your situation. At 26, he had to file bankruptcy. The experience had aprofound impact on him. He went on a quest to find out how money really works and how torebuild his wealth and keep it. This course is the result of that quest.

Dave's team is here to serve you.Dave's team understands, too. They will walk with you as you complete the course, respondingquickly to any questions you have. You'll get your completion certificate no later than the nextbusiness day—the same day if you let us know you need it during business hours.

Start Dave Ramsey's Debtor Education Today!

Take the online course now! Only $25 for single filers and $45 for joint filers.DVD course also available.

Get Started Now

*This program is approved to issue certificates evidencing completion of a personal financialmanagement instructional course in compliance with the Bankruptcy Code. Approval does not endorse orassure the quality of a provider's service.

TESTIMONIES

Profoundly Different"Dave got my attention, and Iended up feeling fortunate tohave taken this course ratherthan feeling like I had beenthrough a tortuous requirement."

HELPFUL TOOLS

Client LoginAlready enrolled? Sign In.

Attorney ResourcesWhy send your clients to a mind-numbing f inancial lecture?Recommend Dave's exciting, life-changing course!Attorney Resources

Pre-Discharge BankruptcyDebtor Education Course*This high-energy, motivating course meets all court requirements for pre-discharge debtor education in all U.S. Trustee Districts. You w ant boring?This isn't it! This is fun, educational and life-changing.

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Frequently Asked QuestionsHave a question about Dave Ramsey's Debtor Education? Check the list of frequently askedquestions below. If you can't find what you are looking for, please [email protected].

QuestionsWhat attorneys use this program?What is a Chapter 7 Bankruptcy?What is a Chapter 13 Bankruptcy?What is a creditors' (341) meeting?What are Dave's thoughts on bankruptcy?Do I have to provide my attorney's name to sign up?

Is this course for me?Is Dave Ramsey's Debtor Education the same as Financial Peace University?Does the Financial Peace University 13-week course qualify for the pre-dischargecompletion certificate?May I take this course if I haven't filed bankruptcy?I filed for bankruptcy before October 17, 2005. May I take this course?I have already filed for bankruptcy, and my case has been discharged. May I take thiscourse?

Completion Certificate QuestionsWill I receive a completion certificate? How long does it take?Will my attorney receive a copy of my completion certificate?

Joint Filer QuestionsDo joint filers (husband and wife) have to view the course separately?

Technical QuestionsI'm having technical difficulty. Is there a troubleshooting page?What should I do to ensure my browser will work with this course?

General QuestionsIs the program approved by the United States Trustee?How long is the course?Do I have to watch the course all in one sitting?What makes this course different from other courses?Do I need high-speed internet to take your course?What methods of payment do you accept?What if I do not have a bank account or debit card?How much does the course cost?How do I order?How long will it take for me to receive the DVD kit?What is your fee waiver policy?What is a voucher/coupon code?I'm an attorney and I want to pay the course fee for my client. How do I do that?

CONTACT

Don't see an answer toyour question?Please contact us. We'll behappy to answ er any questionsyou may have and provide moreinformation about our DebtorEducation course.Email or call 800.480.5902.

TELL ME MORE

Start DebtorEducation Today!Get started w ith our onlinecourse now ! Just $25 for singlef ilers and $45 for joint f ilers. DVDcourse also available.Get Started Now

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WWW.CRICKETDEBT.COM

About Us

About Cricket Debt About Solid Start

About Cricket Debt Telephone: 1-866-719-0400

Cricket Debt Counseling was started by former Bankruptcy attorneys and financial planning professionals to

provide unbiased and accurate credit counseling information to individuals seeking bankruptcy protection.

Cricket Debt Counseling is a non-profit, tax exempt 501(c)(3) organization approved by the United States

Trustees as a Nonprofit Budget and Credit Counseling Agency in every Judicial District in its jurisdiction.†

Cricket Debt offers the credit counseling required by §109(h)(1) of the Bankruptcy Code as a prerequisite to

filing for individual debtor bankruptcy protection.

Cricket Debt does not offer Debt Management Plans, and Cricket Debt is not affiliated with any bank, credit

card company, collection agency, or credit counseling agency. Cricket Debt has no vested financial interest in

the outcome of counseling, and will always present an unbiased viewpoint concerning the relative benefits and

disadvantages associated with debt management plans versus personal bankruptcies. No agenda will ever

color Cricket Debt's advice.

Cricket Debt provides its services without regard to a client's ability to pay. Debtors who cannot afford the

counseling fee may request a waiver from Cricket Debt.

About Solid Start Telephone: 1-866-467-4147

Solid Start Financial Education Services, LLC, is based in Clackamas, Oregon.

Solid Start Financial is approved by the United States Trustees as a Debtors Education Provider in every

Judicial District in its jurisdiction.† Solid Start offers the Debtors Education course required under the

Bankruptcy Code as a prerequisite to discharge of a debtor's debts in bankruptcy.

Solid Start is not affiliated with any bank, credit card company, collection agency, or credit counseling agency.

Solid Start provides its services without regard to a client's ability to pay. Debtors who cannot afford the

counseling fee may request a waiver from Solid Start.

† Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure

the quality of an Agency's services.



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System




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$9.89/single or $19.69/couple866-676-1364 or customersupport@123debtor.

com

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The price is $15.00 per registration whether individual or joint.

Attorney Code: NixsonLawFirm

Ypside.com(202) 573-2304

● Fast● Easy● 24/7

www.mybkcounseling.com

800-920-2262Course is Only $15.00

My Case No: Date of the course: Company used: Send Certificate to: 13 – _________ – ___ ____/____/2014 (circle ad below) [email protected]

Online: $15 single/joint Phone: $35 single/joint Attny Code: 10301

www.pioneercredit.com

INTERNET: $12.50 each (AVAILABLE 24/7). PHONE: $25.00 single/$40.00 joint. Spanish and English.www.the mesquite group.org 817-769-4069

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Date: _____/_____/2014

Client: _________________________________

First of all, we want to welcome you to the Nixson Law Firm where we will help you get a fesh start and have a positive future. We understand that this is a VERY trying time for you and we want to give you a place where you can relax and know you are taken care of. We start by making sure our prices are the best, and we have a Price Guarantee to make sure of it.* our goal is to give you the best possible guidance at the best possible price—when you need it the most!

Now for the legal talk: You agree to keep us informed as to your current mailing address, e-mail address and phone num-ber where you can be reached during business hours. You also agree to provide accurate information needed to prepare and file your bankruptcy, that you will carefully review docu-ments, attend your 341 Meeting of Creditors, and that you will make sure that all your creditors are listed in your worksheetsand on the Matrix (the mailing list of all your creditors). Add-ing additional creditors after filing will cost you $26 each (our cost).

For the FEES+COSTS in the box on the right, Don Nixson and this Firm will provide the following: File a Chapter 7 Bankruptcy, including Petition and Schedule preparation (the papers required to file bankruptcy), up to two Reaffirmations (for additional reaffirmations, a flat fee of $50 for each), Mr. Nixson personally will attend your 341 Meeting of Creditors with you, and he will answer any questions you have throughout the bankruptcy process.

You agree to pay the FEES+COSTS shown on the right for the above services only. While the need for the following services are unusual in bankruptcy, you understand that the FEES+COSTS amount above does not cover other services such as Objections to Discharge, Discovery, Objections to Exemptions, Lien Avoidances, Motions or any Adversary Proceedings in your case. For other in-office legal services, a standard fee of $150 per hour. For other out-of-office legal services, a standard fee of $200 per hour.

You agree to pay the balance owed according to your BALANCE PAYMENT PLAN on time and in the installments agreed upon.

This agreement to represent you is not binding until payment is made for your retainer. Your signature below indicates you understand this agreement, locks in the stated pricing, and allows us to represent you as your attorney once the retainer is paid.

CLIENT: ATTORNEY:

_____________________________________ _____________________________________ Don Nxson

Fee Agreement for CHAPTER 7 Legal Services

FEES+COSTSAttorney’s Fee: $___________________

Filing Fee & Costs: $___________________

$___________________

TOTAL OWED $___________________

Retainer $___________________

BALANCE OWED: $

BALANCE PAYMENT PLAN

Beginning on ____/____/2014, I will

make MONTHLY PAYMENTS of $________ until my BALANCE IS $0.

We accept MC/VISA, cash, checks, money orders, and cashiers checks. Please make all funds payable to don Nixson.

*We have a Low Price Guarantee and we’ll meet any other Arlington Bankruptcy Attorney’s fee, plus take-off an additional $100.

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emerGenCy FiLinGs

If we file an emergency petition in your case, you must turn in ALL paper-work to this office within 3 days of filing your bankruptcy case. This includes the workbook, paycheck stubs, tax returns and any other paperwork required by our office or the courts. Office appointment for returning ALL paperwork after fil-ing an emergency bankruptcy is scheduled for: ______________________________.

Failure to provide all of this information when it is requested may possibly delay the timely filing of your case and result in your case being dismissed. This could result in the loss of property and/or assets.

The Law Office of Don Nixson, will NOT be responsible if your case is dismissed for failure to provide the required information.

DATE: ________________________________

DEBTOR: _____________________________

CO-DEBTOR: __________________________

bankruptcy worksheets print clearly on all …...this is the required bankruptcy clas s to take...

Documents