August 20th, 2015 By Virtual Paralegal Services

Most bankruptcy proceedings require you to have already gathered all of the necessary information from the client prior to filing the petition.  Depending on how time sensitive your case is, you may need it quickly.

Knowing what information is needed and if you’ve received it will eliminate a lot of the common challenges in the bankruptcy process.  You also don’t want to annoy and overwhelm your client by constantly calling them to request more information because you didn’t realize you needed it.

The petition is full of information regarding the debtor’s financial status. The judge and the trustee need to know everything they can about the state of the finances and available assets to make an informed decision about the viability of a Chapter 13 plan.  Missing information, delayed schedules, and late document submissions to the trustee isn’t a great way to start a case or make an impression on the judge.  It’s better to have a list of what you need and a way to track it once you’ve received it.

Below is a list of information/documentation needed for a Chapter 7/13 petition:


  • Credit Report
  • Six months of pay stubs
  • Six months of bank account statements, social security or pension deposits
  • Recorded mortgage and deed of all properties
  • Copies of all titles, leases and contracts for vehicles
  • Copy of any full appraisal done within the last 12 months for real property
  • Copies of any lawsuits, foreclosures, judgments, liens or garnishments
  • Copies of all insurance policies
  • Copies of the last two years tax returns
  • Copies of all documents related to your retirement accounts, 401k, IRA, etc.
  • Copies of any separation agreements, divorce decrees and support obligations filed within the last year
  • Copies of security agreements, financial statements and property leases
  • Copies of stocks, bonds and savings account statements
  • Copies of any documents verifying future interest in property, i.e. Wills
  • Copies of most recent statement of student loan
  • List of all prior address you lived at in the last three years
  • Copies of utility bills for the last six months
  • Copy of your drivers license or state identification card
  • Copy of any documents to verify your veteran status


Take the stress and headache out of your bankruptcy proceedings and engage Virtual Paralegal Services.  VPS’s experienced team of bankruptcy paralegals know what is required and are efficient at managing the bankruptcy process.  Contact us today to learn more.

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