Bankruptcy Checklist

An individual debtor has the right to represent himself or herself, but there are some situations that can create problems that you may not understand without the help of a lawyer. Check all that apply:

____  I expect a tax refund of $4000 or more

____  I had tax obligations assessed against me or I owe taxes to the IRS

____  I have equity in my home (the value of my home is worth more than the mortgage(s) and unpaid taxes)

____  I have personal property worth more than $5000

____  I am entitled to receive an insurance payment

____  I am currently involved in a lawsuit, either being sued or suing someone else

____  I have a reason to sue another person, business or company (Ex.: malpractice, personal injury, money owed)

____  I have a judgment against me

____  I have a pending employment or EEOC claim

____  I have a workers' compensation claim

____  I am facing foreclosure of my home

____  I am facing fines from local or state entities

____  I am filing (or already filed) a Chapter 13 case

____  I already filed for bankruptcy and received a Rule 2004 notice

____  I expect an inheritance within 6 months of filing (or within 5 years of filing if a Chapter 13 case)

____ There is a lien on my driver's license or my license has been suspended

____  I have outstanding student loans

____  I am over 2 months behind in my car payments

____  I owe past-due child support or alimony

____  I had a garnishment filed against me

____  I own real property (not including my home)

____  I own real estate somewhere else in the world

____  I own property with someone other than my spouse

____  I rent out part of my house or run a business out of a part of my house

____  My name is on the deed of someone else's property or on the title of someone else's car or truck

____  I transferred an automobile, truck, boat, personal watercraft within the last 4 years

____  I've owned a business within the last 12 months

____  I have or own an interest in a partnership, corporation or trust

____  I have limited understanding of English

____  I removed my name from a bank account in the last 4 years

If you have checked one or more spaces, you may have legal issues that will be difficult, if not impossible, to resolve without the help of a lawyer. A mistake could cause you to lose property or your bankruptcy discharge.