Free Consultation | Diane L. Drain - Phoenix Arizona Bankruptcy Attorney

General Questions

Step 2 of 3

Your answers to these general questions will help me to understand your unique situation, including what you have done or has been done to you. Many people make decisions that do not lead to problems outside bankruptcy, but in a bankruptcy those same innocent decisions can be disastrous. Based on your answers I will customize my advice with the goal of helping you avoid problems, if possible. I realize this is a lot of information, but accurate information will be your best friend. A friend of mine says “garbage in, garbage out”. He is correct because if I get the wrong information from you I will most likely give you the wrong legal advice.

SOME REQUIREMENTS OF THE BANKRUPTCY LAWS ARE “JUST MEAN AND SCARY FOR NO OBVIOUS BENEFIT” TO QUOTE A PROMINENT BANKRUPTCY JUDGE

Effective October 17, 2005, the Bankruptcy Code was amended in such a way as to try to interfere with the relationship between attorneys and clients. Clients are now described as “assisted persons” and attorneys are referred to a “debt relief agency.” To quote a prominent Bankruptcy Judge [the new legislation provisions] “require debt relief agencies to give notices and warnings that are not relevant in many of the circumstances in which they must be given, that will be false in some required contexts and that are just mean and scary for no obvious benefit.” This legislation (sponsored at great expense by the lobbyists and executives of the consumer credit industry) shall not stop me from rendering the proper advice and information to which you are entitled to. Particularly, I question the assertion that filing a bankruptcy is “routine.” I advise you to question me about any provision of these forms that contradicts anything that I may have said to you.

General Questions

Step 2 of 3

Your answers to these general questions will help me to understand your unique situation, including what you have done or has been done to you. Many people make decisions that do not lead to problems outside bankruptcy, but in a bankruptcy those same innocent decisions can be disastrous. Based on your answers I will customize my advice with the goal of helping you avoid problems, if possible. I realize this is a lot of information, but accurate information will be your best friend. A friend of mine says “garbage in, garbage out”. He is correct because if I get the wrong information from you I will most likely give you the wrong legal advice.

I / We watched the educational videos about the bankruptcy process.*

It is important to note that these videos are instrumental in helping you understand how bankruptcy works. Therefore, if you did not watched all 9 videos, please do so before sending this form to our office.

Yes
No

THE FOLLOWING ARE GENERAL QUESTIONS REGARDING YOUR CURRENT SITUATION. IF YOU ARE MARRIED PLEASE ANSWER THE QUESTIONS THAT ARE APPLICABLE TO EITHER YOU AND/OR YOUR SPOUSE

Is there an emergency requiring immediate filing?*

Yes
No

Explain Why*

Is there a foreclosure or trustee's sale pending?*

Yes
No

Are creditors contacting the company demanding payment?*

Yes
No

Is a lawsuit pending or completed?*

Yes
No

What is the status of the lawsuit? When was it served or approximately when was it completed and a judgment entered?*

Do you understand there are two on-line courses required as part of a bankruptcy?*

The first, a credit counseling course, must be completed before filing, The second, a financial management course, must be completed after filing the bankruptcy.

Yes
No

Are creditor calling at work/home/neighbors?*

Yes
No

Do you owe any back child support or alimony?*

Yes
No

Do you understand that your exempt property could be sold to pay back child support and/or alimony Section 522(c)(1))?*

Yes
No

How much do you owe in back child support and/or alimony and to whom?*

Is a law suit pending or completed?*

Yes
No

What is the status of the lawsuit? When was it served or approximately when was it completed and a judgment entered?*

Have your wages or checking accounts been garnished?*

Yes
No

By whom? Approximately how much and when?*

Is a landlord trying to evict you from your property?*

Yes
No

Did your landlord obtain a Forcible Entry & Detainer Order? Or the creditor obtain a court order appointing a receiver? If so, when?*

Do you participate in any Internet or social media sites where you offered expensive items for sale or discussed expensive items you own or debts you owe?*

NOTE: If the social media setting is set to "public" then anyone, including creditors and collection companies, can see all your posts. Consider using "private" settings in order to protect you and your family from unwanted stalking.

Yes
No

Briefly explain the sale of property or discussion via social media.*

Are there any co-signers for any company debts?*

This includes yourself

Yes
No

Briefly explain who the co-signers are and what they guaranteed to pay.*

THE FOLLOWING QUESTIONS RELATE TO CERTAIN ISSUES THAT DETERMINE WHETHER OR NOT IT IS APPROPRIATE TO FILE A BANKRUPTCY AND, IF SO, WHEN TO FILE.

Do you ever expect an inheritance?*

Understand you will be required to surrender any inheritance after a bankruptcy to your creditors. In a chapter 7 that surrender period is 6 months; in a chapter 13 it is the life of the plan (3-5 years).

Yes
No

Briefly describe what you expect may happen*

Do you understand that every debt you owe or might owe must be listed in the bankruptcy?*

Understand that only the debts you owe on the day of filing the bankruptcy will be dealt with in the bankruptcy. So any new debts you incur after bankruptcy will be your obligation.

Yes
No

IMPORTANT: Do you normally receive a tax refund?*

Understand that any refunds you have not collected by the date a bankruptcy is filed will be sent to the bankruptcy trustee.

Yes
No

List the year and approximately how much you received or expect to receive.*

Does anyone owe you money or you have a right to any assets?*

Explain even if you never expect to collect the money or receive the asset.

Yes
No

Explain how much you are owed or what rights you may have.*

Do you have a right to sue anyone for anything (this includes vehicle accidents, wrongful termination, collection company abuse or any other type of right)?*

If so, explain what for and how much you might be owed.

Yes
No

Briefly, what happened which you believe gives you a right to sue someone?*

Such as: a car accident. How much are you owed and for what?

In the last 4 years have you sold, traded or gave away any item of value?*

This would include houses, land, cars, businesses, generally any items of value. It is best to explain the circumstances so we can discuss any issues.

Yes
No

What did you transfer (sell, trade or use as collateral)? How much was it worth and how much did you receive?*

In the last 4 years have you used your property to obtain a loan? (like those terrible title or registration loans)*

For instance: using your vehicle to obtain a loan, such as a title loan. It is best to explain the circumstances so we can discuss any issues.

Yes
No

What did you use as collateral for a loan? How much was it worth and how much did you receive?*

Do you owe any money to any friend or relative?*

Yes
No

How much do you owe to family or friends?*

In the two years have you paid family or friends back on any loan they made to you?*

Yes
No

How much did you repay family or friends in the last two years?*

If you repaid any loans from family or friends we must discuss the ramifications.

CREDIT CARDS, BANKS AND OTHER DEBTS:

Are there any debts which are business or non-consumer debts?*

Business debts include student loans, taxes, or loans, credit card charges or leases used for business purposes.

Yes
No

Approximately how much do you owe which is business or non-personal debts. Make sure to include both secured and unsecured*

* Make sure to include debts for investment properties as secured business debts.
* Also include any monies you charged on your personal credit cards but used for business purposes.

Do you owe money on any credit cards or signature loans (this includes old debts)?*

Answer "yes" if you had credit cards in the past that you did not pay off. Answer "yes" even if the creditor "wrote off" the debt. To write off a debt does not mean the debt is gone, it means the creditor will mostly likely sell it to a debt collector.

Yes
No

Approximately when did you last use a credit card, signature loan or balance transfer?*

You only need to provide the year and approximate date and month. It is okay to guess as to the day and month, but not the year.

If bankruptcy is in your future do you understand that you must stop using credit cards now?*

This is very important.

Yes
No

In the last 6 months did you make any charges/cash advances/balance transfers of more than $500 on a single credit card or signature loan?*

It is better to include all transfers or charges so we can discuss the specifics in more detail.

Yes
No

Did you use a store credit card to finance expensive items at that store? For instance: using a Best Buy credit card to finance a computer at Best Buy.*

Yes
No

What did you buy and how much is still owing on the credit card.

We will talk about secured debts.

Do you have any cash reward cards, gift cards, etc worth more than $100?*

Yes
No

Where do you bank (list all banks)?*

BEWARE: I DO NOT RECOMMEND THAT ANYONE BANK AT WELLS FARGO IF THEY ARE CONSIDERING BANKRUPTCY (THEY WILL FREEZE YOUR ACCOUNTS). BEFORE CLOSING YOUR ACCOUNT(S) MAKE SURE TO GET 12 MONTHS OF BANK STATEMENTS (YOU WILL NEED THESE LATER).

Do you owe any money to your current bank (credit cards, car loans)?*

If bankruptcy is in your future please move to a new bank now, after you get 12 months of bank statements. Request and use a debit card.
DO NOT PUT YOUR NAME ON ANY ACCOUNT WITH SOMEONE ELSE AND DO NOT PUT YOUR MONEY INTO SOMEONE ELSE'S BANK ACCOUNT.

Yes
No

Unable to open a bank account?

Try: Walmart's Blue Bird American Express pre-paid debit card. Make a deposit in Walmart and the funds are immediately available. Another option: PayNearMe. It is an easy way to use cash for making online purchases, paying bills and more. You can pay by scanning a barcode in one of 28,000 stores near you. Once the payment code is scanned by the store cashier, simply hand your payment in cash to the cashier and you will receive a receipt as proof of payment. www.paynearme.com/en

Is anyone an authorized user on your credit card?*

If yes - you should remove them as an authorized user prior to filing a bankruptcy. Talk to Diane about this issue.

Yes
No

Is your name on anyone else's debt (credit card, land, vehicle, etc.)?*

Yes
No

Please explain what type of debt.*

Do you owe any federal or state taxes?*

Yes
No

Back taxes: list who you owe (IRS or state), approximately how much and for what tax year.

In the last 5 years did you file any tax returns late?*

In other words, were the returns filed after the date they were due, including extensions.

Yes
No

List year of the returns(s) and approximately when the return(s) was actually filed.

For example: 2013 federal return, no extension, filed November 2014. Owe $2,400.

In the last 2 years did you use a credit cards to pay taxes?*

Yes
No

When and how much did you charge on a credit card to pay taxes?

For example: 2013 federal return, no extension, filed November 2014. Owe $2,400.

Has the IRS/or any state taxing authority garnished your wages or recorded a lien? A lien is a document recorded with the County Recorder’s office.*

Yes
No

Garnishment for back taxes or liens. Explain the year the taxes were due, when they were filed and how much was garnished or liened.

Do you have any payday loans?*

Yes
No

Do you understand that you should close any bank account the loan company may be able to access. Make sure you get 12 months of bank statements before closing any bank account (otherwise they may charge you for the statements when you need them later).*

Yes
No

Do you have any loans with a credit union?*

Beware of an cross-collateralized accounts with your credit union. I will explain what this means when we talk.

Yes
No

List all loans with the credit union (vehicle, signature or credit cards).*

Most credit unions tie all your loans to any secured debts "cross-collateralized". Which means credit cards and personal loans are tied to your mortgage or vehicle loan.

Do you understand that it is best to move ALL your money out of the credit union so they will not set off (take) your money.*

WARNING: Beware of an cross-collateralized accounts with your credit union.

Yes
No

Do you have any student loans or did you guaranty a student loan for another person?*

Beware of an cross-collateralized accounts with your credit union. I will explain what this means when we talk.

Yes
No

Do you understand that your student loans or student loans you guaranteed are not discharged in bankruptcy without bringing a separate action?*

A separate action is filed in the Bankruptcy Court and will involve additional legal assistance. This firm does not prosecute student loan complaints. We will try to provide you with recommendations for attorneys who may be able to help.

WARNING - 3/9/18 - In direct violation of 11 USC 525, I have received distressing news from other lawyers across the county that the Department of Education and its student loan servicers are kicking bankruptcy debtors out of their Income Driven Repayment plans. This can happen if debtors file Chapter 7 or Chapter 13 and regardless of whether they were current on the student loan payments. This potentially illegal expulsion, even if temporary, can upend the debtor's progress towards getting a Public Student Loan Forgiveness or other cancellation of their loans.

Yes
No

In the last two years did you pay any tuition for dependants over the age of 18?*

Beware of an cross-collateralized accounts with your credit union. I will explain what this means when we talk.

Yes
No

Do you understand that the bankruptcy judge may require the school that received the tuition repay it to your creditors?*

The school that had to surrender the tuition may then require the student to pay the tuition or they may withhold the diploma or information regarding the status of classes until the tuition is paid. This is a changing area of law.

Yes
No

Do you have a paid warranty (such as a vehicle warranty), or have you pre-paid for anything: plane tickets, vacations, medical/dental procedure, summer camp or any other advanced deposit?*

If so, the trustee may go after these funds.

Yes
No

Do you have any outstanding fines or penalties? (e.g.: court fines or tickets)*

If so, these may not be discharged in a bankruptcy.

Yes
No

Are you renting or leasing anything (cars, apartment, house, equipment, land)?*

Yes
No

Leases

What are you leasing: an apartment, vehicle, or other?

HOME, LAND AND VEHICLES

Do you (or your spouse) own a home, mobile home, timeshare or land anywhere in the world?*

Yes
No

Describe (e.g. 2 bed/3 bath, 1340 sq ft):*

How much is your home worth at this time and in its current condition?*

The name(s) on the title of the house or land:*

SPOUSE Are there any loans on this property?*

Yes
No

Name of first Lender*

What is the total amount owed to your first lender?*

Are you behind on payments to your first lender?*

Yes
No

Approximately how much is owed to your first lender in order to being the loan current?*

SPOUSE Is there a second lender on this property?*

Yes
No

Name of second lender*

Debt owed to second lender*

SPOUSE Are you behind on any payments to your second lender?*

Yes
No

Payment arrears to second lender?*

How much must you pay in order to bring the payments current?

SPOUSE Are there any other loans on this property?*

Yes
No

Name of third lender:*

Total amount owed on any other loans secured on this property*

Are you behind on any other mortgage payments besides your first and second mortgages?*

Yes
No

How much would you need to pay in order to bring any other debts, not including the first or second mortgages, current?*

Is there a foreclosure or trustee’s sale pending?*

Yes
No

What is the date and time of foreclosure?

If there is a trustee's sale pending, please provide us a copy of trustee sale documents.

**It is your responsibility to confirm the trustee sale date and at all times to keep track of that date and any postponements; including the entire time your bankruptcy is pending. This office will not monitor the date of sale for you, but we be happy to answer your questions regarding the trustee sale process.

Are any of the home loans a VA loan?*

VERY IMPORTANT!

Yes
No

Is there or has there been a modification of any of the home loans?*

Yes
No

Was this a permanent modification?*

Yes
No

Is there a homeowner's association?*

Yes
No

Are the homeowner's association payments current?*

Yes
No

When was the last payment made?*

Approximately how much is due in order to bring this HOA current?*

Has the homeowners' association filed a lawsuit?*

Do you understand that the bankruptcy will not allow you to keep your home unless you pay the homeowner's dues?*

Yes
No

Do you understand that as long as you own the property the bankruptcy will not protect you from being sued for homeowner's dues owed AFTER filing the bankruptcy?*

Yes
No

Was there a short sale or foreclosure in the last 6 years?*

Yes
No

Please describe:*

In the last 10 years have you made any large mortgage payments in addition to the regular monthly payment?*

Yes
No

Please describe:*

Do you own another home, land or timeshare?*

Yes
No

Describe (e.g. 2 bed/3 bath, 1340 sq ft):*

Fair Market Value?*

The name(s) on the title of the house or land:*

Are there any loans on this second property?*

Yes
No

List of Lenders*

Lender	Debt Owed	If you are behind on payments how much is due in order to bring the loan current?

Is there a pending foreclosure or trustee’s sale on this second property?*

Yes
No

what is the date and time of foreclosure:*

Is there a homeowner's association on this second property?*

Yes
No

Are the homeowner's association payments current on this second property?*

Yes
No

When was the last payment made?*

How much is owed and for how many months?*

Do you own any other real estate? (e.g. house, land, timeshares, etc)*

Yes
No

List of Real Estate*

All fields must be filled out

Describe - such as is it raw land, a timeshare, summer house?	Fair Market Value	Debt Owed

Important Notice

If you are behind on your house payments: here is a link to the Home Affordable Modification Program (HAMP): http://www.justice.gov/ust/eo/public_affairs/consumer_info/docs/HAMP_Fact_Sheet.pdf (Link opens in new tab)

You can also go to: Making Home Affordable at www.makinghomeaffordable.gov (federal web site). (Link opens in new tab)

Vehicle Information

List all vehicles in your name (or that of your spouse), no matter who is driving that vehicle. List all debts on any of those vehicles. List the fair market value of each vehicle using the resources below. Resources for fair market value: www.kbb.com (YOU MUST USE PRIVATE PARTY VALUE) or www.edmunds.com or www.NADA.com I cannot give you good advice without an accurate fair market value.

Do you own any vehicles?*

This includes both vehicles you are paying for and those that are completely paid off. This also includes any vehicles your name is on, even if someone else drives it.

* Do no answer yes if you only own leased vehicles.

Yes
No

Do you, your spouse or your child have a handicapped plate or placard?*

Yes
No

List of Vehicles*

* You must list the Kelly Blue Book private party value - www.KBB.com. I cannot help you without this information.
* Do not list leased vehicles

Model / Make / Year	Name(s) on the title	Year Purchased	Fair Market Value	Debt Owed

Of your current vehicles, did you refinance any vehicle after it was originally purchased?*

Yes
No

Refinancing a vehicle includes a title or registration loan. Which vehicle, who is the lender and how much are they owed?*

Did you finance any of these vehicles with a credit union?*

Yes
No

ASSETS, INCLUDING BUSINESSES

Other than vehicles or houses, are there any valuable items that you are concerned about losing?*

Yes
No

Describe the items(s) and include their fair market value

Do you have any interest in any business that is operating today?*

This includes a business that does not have a formal LLC or corporate name "sole proprietorship".

Yes
No

Briefly describe the business*

What would a third party pay for that interest in the business?*

Normally you can value a business by subtracting liabilities (debts, including leases) from assets (including accounts receivable). Just provide us with a general guess.

Does the business have any assets, inventory, or contracts?*

Yes
No

Briefly describe, make sure to include accounts receivable, etc.*

Does the business have any leases on anything (cars, equipment, land)?*

Yes
No

What property is leased?*

Did you sign any personal guaranty for any company debts?*

(includes leases, credit cards, or other extensions of credit) Such as signing on the business lease or credit card.

Yes
No

Explanation of personal guaranty*

Do you understand that by filing for bankruptcy you may surrender your ability to control your business?*

This result will differ if filing a chapter 11 or 13

Yes
No

Did you have any interest in any business in the last 8 years, even if it is no longer in operation?*

Yes
No

Do you have a trust?*

Yes
No

Is the trust revocable or irrevocable?*

Revocable means you can change the trust

Yes
No

Describe the assets in the trust.*

Could your name(s) be on someone else's trust?*

Yes
No

Please describe the trust your name is on*

For instance - my name is on my mother's trust, but she is in excellent health and does not have valuable property.

Do you have stocks, bonds (including savings bonds) or mutual funds?*

Yes
No

Please describe*

For instance - my name is on my mother's trust, but she is in excellent health and does not have valuable property.

Do you have any retirement accounts?*

Yes
No

Please describe*

For instance - my name is on my mother's trust, but she is in excellent health and does not have valuable property.

In the last 120 days have any contributions be made into those retirement account(s)?*

It is important to discuss if these contributions were required as part of your employment.

Yes
No

Important questions:How long have you had the IRA? How was it setup? Was it a rollover from another retirement account? Did you cash out your retirement plan and then roll it over? What have you used withdrawals on?*

It is important that you talk to your plan administrator or CPA in order to determine if all changes following the regulations governing the retirement plan. Failure to follow the regulations could result in losing your retirement plan in bankruptcy.

Do you have any health savings accounts?*

Yes
No

Please describe*

Did you inherit any retirement accounts?*

Yes
No

Please describe*

Do you have any annuities or other such accounts?*

Yes
No

Please Describe, make sure to include the date the annuity was established and if the beneficiary is a family member.*

NOTE : it is very important to make absolutely certain that your retirement accounts are ERISA qualified. You can talk to your employer, HR, or plan administrator, or the word ERISA may be on your plan summary..

Do you have any education IRA (such as 529 or 530 accounts) or a qualified state tuition program (521c)?*

WARNING : THE ACCOUNT MUST BE ESTABLISHED FOR MORE THAN 2 YEARS. ANY MONIES DEPOSITED IN THE 12 MONTHS BEFORE FILING BANKRUPTCY ARE NOT PROTECTED. THERE ARE ADDITIONAL LIMITS ON THE AMOUNTS CONTRIBUTED WITHIN CERTAIN TIME PERIODS.

Yes
No

Have you deposted any funds in the last 12 months?*
Yes
No

Were those funds deposted more than 12 months ago, but less than 24 months?*
Yes
No

Were the funds deposited more than twenty four months ago?*
Yes
No

Miscellaneous

Have you (or your spouse) been divorced in the last 10 years?*
Yes
No

Are there any assets that are still to be delivered to you (or your spouse)?*
Yes
No

List the assets, their value and when you are to take control.

Are there any co-debtors?*
In other words did anyone else (parent, friend or ex-spouse) sign on any of your debts or you signed on their debts. For example a parent is a co-debtor if they sign a loan on a vehicle along with their child.
Yes
No

List the co-debtors, include what you signed for and the current debt amount.

In the last twelve months were there any bounced checks which have not been paid?*
Yes
No

Were any household furnishings, jewelry or vehicles used as security for a loan?*
Like those horrible title or registration loans.
Yes
No

What items were used as collateral for a loan? Make sure to include the fair market value of the item and the total debt owed.
YOU MUST -- USE ACTUAL REPLACEMENT VALUE (506(a) (2)) and additional legal action will be necessary in Bankruptcy Court.)

Do you have property in pawn?*
Yes
No

Has the redemption period expired to reclaim your property?*
Yes
No

IMPORTANT:

IF ANY OF THE FOLLOWING SITUATIONS APPLY TO YOU THEN WE WILL NEED TO DISCUSS THE CONSQUENCES OF FILING FOR BANKRUPTCY.

Were all the loan applications signed in the last 10 years truthful?*
Yes
No

Are there any judgments or threatened lawsuits for destruction of property or for injury inflicted (like DUI)?*
Yes
No

Please Explain

Do you understand that any debts from obtaining money, property, or services by fraud may survive the bankruptcy?*
Yes
No

Do you understand that debts based on fraud while acting in a fiduciary capacity (such as embezzlement) may survive the bankruptcy?*
Yes
No

Thanks, only one more section to go!

Please proceed to the final step of this financial Information and we will have all we need to schedule your free consultation. WARNING: TO AVOID LOSING YOUR INFORMATION DO NOT TURN OFF YOUR COMPUTER OR LEAVE THIS SITE UNTIL THE FORM IS SUBMITTED (YOU WILL RECEIVE A CONFIRMATION WHEN IT IS SUBMITTED). PLEASE NOTE - WE DO NOT HAVE ACCESS TO ANY INFORMATION UNTIL THE FORM IS SUBMITTED.

First Name	Last Name	Age	Relation to you	Living with you? (Y or N)

Employer/Other	Month 1	Month 2	Month 3	Month 4	Month 5	Month 6

Year	Amount	Monthly Payment

Monthly Payment	Leased? (Yes / No)

First Contact

Hello, I would like to provide you with FREE information, first you need to do the following:

YOU AND I WILL HAVE A FREE PHONE CONSULTATION ONCE YOU HAVE FINISHED THIS PROCESS.

Arizona Exemptions

Steps 1.

Steps 2.

General Information Step 1 of 3

Individual

Business Address

Information about your Spouse

Individuals

Thank you! You are doing great so far.

General Questions

Step 2 of 3

SOME REQUIREMENTS OF THE BANKRUPTCY LAWS ARE “JUST MEAN AND SCARY FOR NO OBVIOUS BENEFIT” TO QUOTE A PROMINENT BANKRUPTCY JUDGE

General Questions

Step 2 of 3

THE FOLLOWING ARE GENERAL QUESTIONS REGARDING YOUR CURRENT SITUATION. IF YOU ARE MARRIED PLEASE ANSWER THE QUESTIONS THAT ARE APPLICABLE TO EITHER YOU AND/OR YOUR SPOUSE

THE FOLLOWING QUESTIONS RELATE TO CERTAIN ISSUES THAT DETERMINE WHETHER OR NOT IT IS APPROPRIATE TO FILE A BANKRUPTCY AND, IF SO, WHEN TO FILE.

CREDIT CARDS, BANKS AND OTHER DEBTS:

HOME, LAND AND VEHICLES

Important Notice

Vehicle Information

ASSETS, INCLUDING BUSINESSES

Miscellaneous

IMPORTANT:

Thanks, only one more section to go!

Step 3 of 3 - Financial Information & Monthly Budget

MONTHLY LIVING EXPENSES

Average Monthly Expenses

Taxes

Insurance

Vehicles

Other Monthly Expenses

MEAN'S TEST ANALYSIS

MEANS TEST

All income must be GROSS (before taxes and other deductions).

Other Income

The following chart is an example of how to fill out the means test form:

***NOW IT IS YOUR TURN. DO YOUR BEST!*** WITHOUT ACCURATE INFORMATION IT IS VERY DIFFICULT FOR DIANE TO GIVE YOU GOOD ADVICE ABOUT BANKRUPTCY AND HOW IT WILL HELP YOU, OR EVEN IF IT WILL HELP YOU.

PLEASE CALL IF YOU HAVE ANY QUESTIONS at 602-246-7106

Information About You

Your spouse or significant other.

NOW STOP!

Instructions for the following questions:

How to calculate monthly expenses:

Additional issues:

FABULOUS JOB, BUT BEFORE YOU TAKE A WELL DESERVED BREAK, PLEASE READ THE INFORMATION BELOW AND SIGN (checkbox) WHERE INDICATED.

IMPORTANT NOTICES REQUIRED BY LAW:

UNITED STATES BANKRUPTCY COURT NOTICE TO INDIVIDUAL CONSUMER DEBTOR UNDER § 342(b) OF THE BANKRUPTCY CODE

“THE FOLLOWING DOCUMENT IS INTENDED TO BE ON A SEPARATE PAGE”

IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY

NOW IT IS YOUR TURN. DO YOUR BEST!
WITHOUT ACCURATE INFORMATION IT IS VERY DIFFICULT FOR DIANE TO GIVE YOU GOOD ADVICE ABOUT BANKRUPTCY AND HOW IT WILL HELP YOU, OR EVEN IF IT WILL HELP YOU.