How to Prepare for a Bankruptcy Consultation: What to Bring and What to Expect

If you’re thinking about filing for bankruptcy, scheduling a consultation with a qualified attorney is the first step—and a big one. But many people worry about what they’ll be asked, what they need to bring, and whether they’ll be judged.

The truth? Bankruptcy consultations are confidential, judgment-free, and designed to help you find relief. The more prepared you are, the more helpful the conversation will be.

Here’s how to get ready.

✅ What Is a Bankruptcy Consultation?

It’s a one-on-one meeting with a bankruptcy attorney to:

• Review your financial situation
• Explain your legal options (Chapter 7, Chapter 13, or alternatives)
• Help you decide the best path forward

You won’t be expected to make a decision on the spot—but you’ll walk away with answers and a clearer plan.

📄 What to Bring with You

The more complete your information, the better your attorney can advise you. Try to bring:

1. A List of All Debts

• Credit cards
• Personal loans
• Medical bills
• Mortgage or rent
• Auto loans
• IRS or tax debts
• Student loans
  
  

💡 Tip: Pull a free credit report at AnnualCreditReport.com to help identify all creditors.

2. Recent Income Information

• Pay stubs (last 6 months)
• Social Security, pension, or unemployment record
• Profit & loss statement if self-employed
  
  

3. Tax Returns

• Last 2 years of federal returns
  
  

4. A List of Assets

• Home (with estimated value)
• Cars, boats, or motorcycles
• Bank account balances
• Retirement accounts
• Personal property (jewelry, electronics, furniture)
  
  

5. Monthly Expenses

• Rent/mortgage
• Utilities
• Insurance
• Food
• Transportation
• Childcare
• Medical expenses
  
  

💡 If you have a budget, bring it! If not, a rough breakdown is just fine.

💬 What Questions Will Be Asked?

The attorney may ask:

• What caused your financial hardship?
• Are you behind on any payments?
• Have you filed bankruptcy before?
• Are you facing lawsuits, garnishments, or foreclosure?
• What are your financial goals?

These questions aren’t meant to judge—they’re meant to tailor the right solution for you.

🤝 What Happens Next?

After reviewing your information, the attorney will:

• Recommend whether bankruptcy is appropriate
• Explain Chapter 7 vs. Chapter 13
• Go over costs, next steps, and how filing works
• Give you a chance to ask questions

There’s no pressure to file right away—the goal is to inform and empower you.

❤️ We’re Here to Help You Feel in Control Again

At Amerihope Alliance Legal Services, our consultations are completely confidential and compassionate. We understand what you’re going through, and we’re here to offer real answers and real solutions.

Schedule your consultation today—and take the first step toward peace of mind.