When I initially speak with potential clients on the phone they usually ask me if I need them to bring their credit card statements to our free initial consultation.  Typically the answer is no.

Not to Bring Credit Card Statements

In the majority of my cases a debtor is not required to bring their credit card statements to the initial free consultations.  Just by running the debtor’s credit report, we will be able to determine how much debt they owe and who they owe the debt to.

When to Bring Credit Card Statements

One of the first questions I ask debtors is when was the last time they used their credit cards and what did they spend on their cards.  If a client has used their credit cards in the three months prior to filing for bankruptcy for anything over $500.00 then I typically request that the debtor bring in their statements so we can review them.   Also if we run the debtor’s credit report and the card doesn’t show up, then i typically ask the debtor to bring in their credit card statements.

Using a bankruptcy attorney you actually get someone who can answer your legal questions, give you legal advice, and appear in court with you.  It’s worth paying the money to hire a qualified bankruptcy lawyer.

If you are thinking of filing for bankruptcy in South Florida and would like to speak with an experienced Chapter 7 and Chapter 13 bankruptcy attorney then please contact Shmucher Law, PL and attorney Ofer Shmucher.  We offer free consultations seven days a week and can be reached at 954-309-5559 or 305-741-5553.