Here’s what we need for our Be Happy meeting
Our Be Happy meeting reviews information the bankruptcy court needs to approve your case. So you can “be happy.”
On this page, I’m introducing Lexria, my virtual file clerk. Lexria gathers the necessary information and bankruptcy required documents we need for our next meeting. I call our next meeting the Be Happy meeting. At the Be Happy meeting, we review the information that we need to get your case approved. So we can “be happy.”
The necessary information includes you name, address, social security number. A list of your personal and financial assets. And your budget.
The required documents include credit report, paystubs, bank statements, tax records, and IDs.
Please do not SKIP any questions.
Lexria won’t send your information to me if you leave anything blank. So, put NONE if the answer is none. If you don’t know, put DON’T KNOW. If a question asks for a dollar amount you don’t know, put $999.99. When we talk again, we can discuss.
Try to be accurate on the budget. Usually the budget doesn’t matter much but sometimes it matters a lot.
Lexria won’t send me the bankruptcy required documents until you answer every question.
Please do not sweat the bankruptcy values of your clothes and furniture.
Valuing stuff too high causes problems. And take the time to be accurate on your budget.
Don’t Sweat the Creditors
When Lexria asks about your debts, we especially need the companies that are probably NOT on your credit report. So, who is probably NOT on your credit report?
- Taxes
- Old landlords
- Pay-later apps
- Payday loans
- Medical bills
- Family and friends
- Child support you have to pay
- Business loans
- Business credit cards
Be as complete as possible on those not-on-credit-report debts. Obvious companies, car loans, credit cards, personal loans, we can get those from your credit report. So, that’s why…
Together, We’ll Get Your Credit Report.
You have a legal right to get a free one at annualcreditreport.com. But we can save some steps and aggravation if we get one for you. Vanessa asks you for permission for me to get your credit report–but first Lexria needs your birthday and social security number.
We need paystubs and bank statements
Your bankruptcy eligiblity for Chapter 7, and your bankruptcy payments for Chapter 13, depend on your income. (And also on your money in the bank.) You can download paystubs and bank statements and send them to us. Or–for the big banks and big payroll services–Lexria can get them for you. Please let Lexria know how you want to handle that.
If you are on Social Security or a VA pension, just an annual statement will be what we need.
OK, Here’s the Lexria Link:
Here’s the link to Lexria. She will take you through the steps to gather the neccessary information and bankruptcy required documents. Then Vanessa will get your credfit report and set up our second meeting, so you and I can go over everything together.
Here’s What to do with Pictures
Lexria can’t read pictures, sorry. (The bankruptcy court won’t accept them either.) Adobe, the inventors of .pdf format, lets you convert any picture to pdf format for free. Here. So if you take a picture of your drivers license, you can convert it with this link. (If you have accesss to a scanner, that saves a step.)
Fine Print
I’m required to send you these fine-print notices.
This links to the way I calculate your Chapter 7 legal fee. This is the price set by the court for Chapter 13 bankruptcy cases.
Meet Vanessa, my Paralegal.
Vanessa Hill, bankruptcy paralegal, has been with me for twenty-five years. Vanessa will schedule our next meeting as soon as Lexria gets all the required documents and necessary information. She will also be in charge of updating documents after Lexria collects the first set. And she will get your credit report when you give us permission.
Meet Lexria, My Virtual File Clerk
Lexria, is my virtual file clerk. She can’t answer legal questions, but she is really good at getting the necessary information and bankruptcy required documents.