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Toll Free 1-800-257-LORD (MN) 612-333-LORD
For 30 Years we have Helped People Solve Financial Difficulties.
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Stroke, Heart Attack, Sudden Death. You may be entitled to Money Damages.
First Meeting At Lord & Faris Law Office
In order to get an accurate picture of your financial status, please bring the following with you for your first meeting with the lawyer:
- ASSETS:
- Proof of all income:
- Pay check stubs for all employment for last year
- Bank statements on all bank accounts for last year
- All tax statements for last 5 calendar years
- State
- Federal
- Property
- Recent statements for
- Mortgage for all homes
- Home equity loans
- Automobile loans
- A copy of the deed to your home and any other real estate you own.
- A list of valuable personal items
- Records showing any interest in educational IRA or qualified state tuition programs
- Proof of all income:
- DEBTS:
- A list of all debts along with the most recent bill for each debt.
- All other expenses for which you are responsible on a monthly basis.
- List Any Legal Actions against You
- Paperwork on any legal action against you which is currently pending.
- Get a Recent Credit Report on Yourself
- Best place to get such a report is http://www.annualcreditreport.com
Before we file the petition you must get a credit counseling certificate from a qualified agency. We will guide you in that process.
Once you and I have filled out all the forms, we will go over it with a fine tooth comb so there are absolutely no mistakes.
Before you are discharged you have to have a complete course of “debtor education.”
You must provide a certificate before 2 weeks prior to discharge. Be very careful about getting this done promptly because if you don’t have it done by the discharge, you will be dismissed and will not be able to file again for 8 more years. In addition, whatever assets the trustee may have taken will not be returned. You can use the same agency you use when you did your pre-bankruptcy counseling.
Meeting of creditors:
We are required to go to a meeting with the Trustee about a month into your bankruptcy. It is sometimes called a 341 meeting or a hearing. The Trustee is sort of like a judge who makes decisions about your case and recommends either discharge or dismissal to the bankruptcy judge. There are many hearings on the same day and the Trustee will be working hard to get through each case efficiently.
Bankruptcy Discharge Is the Goal
Once you have your discharge, which takes three to four months after filing, the creditors will not be able to come after you any longer. You will receive a piece of paper from the bankruptcy court formally letting you know that you have been discharged from all the debt you listed in your petition. Make sure you save it with your important papers because it is likely one of the creditors will contact you again, forgetting that you have been discharged. By sending them a copy of your discharge, that should be the end of the matter. Never send the original discharge letter.
612-333-LORD
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If you have been injured, we will evaluate your case at no charge. We work hard to take over the details of your claim, our settlements speak for themselves. Please contact us today for a free case evaluation.
Our Minneapolis Personal Injury Attorneys are experienced in resolving and litigating issues resulting from a wide variety of injuries, including:
"I want to take this time to thank Priscilla Lord Faris and staff for the many years of service you gave my case. I‘m very grateful for all you have done. I know that the payment you received was not enough to cover the many endless hours you gave my case."
