If you are interested in filing bankruptcy, and if you live in one of the following South Carolina counties (Spartanburg, Greenville, Anderson, Cherokee, Union, Pickens, Oconee, Laurens) then the first step in the process is simply to call us or complete the form below. The first time you do so, an employee of our office will see to it that you receive one of our Bankruptcy worksheet packages at no cost to you. The package includes information about bankruptcy, directions to our office, and worksheets for you to complete and return to us. After those worksheets are returned, we will give you an analysis of whether bankruptcy can assist you are not, and then set up a personal interview with Mr. Bailey if it looks like bankruptcy can help.
In the meantime, however, you should start gathering together the following documents:
- Pay stubs, or any other documents, showing all of your income and payroll deductions for the past six months. Some employers make this available to you online; otherwise, if you do not have possession of your pay stubs, you may need to get that information directly from your employer's payroll department. Start doing this now even if you are not sure about filing bankruptcy.
- Letters and statements from all of your creditors. In your bankruptcy worksheets, you will need to write down a name and address for each creditor to whom you owe any money whatsoever. If that creditor, such as a credit card company, has supplied any letters or statements to you within the past 90 days, then you would have to write down the name and address supplied in those recent letters and statements which are designated "For Correspondence" or "For Inquiry". You will also have to list any account numbers supplied in those recent letters and statements.
In addition, it would be best if you did not transfer or sell any property whatsoever, or pay back extra sums of money to any of your creditors (above and beyond regular payments), without waiting for us to give you advice. Do not pay large sums of money to family and friends that you owe money to. Some property transfers or substantial payments to creditors can cause problems when it comes to filing bankruptcy.
You may rest assured that our services are the best and our staff is very friendly!