Office Consultation:

Click Here for driving directions.  I am located in the First Northern Bank building, next to Downtown Plaza, diagonally across from 24 Hour Fitness and the Hard Rock Cafe.  Street parking is available or park in the Downtown Plaza parking lot.  Also convenient to public transportation.

To make a consultation on possibly filing for bankruptcy protection most useful, please bring with you the following:

1. A current credit report, available for free at: annualcreditreport.com. Preferably print out and bring in the Experian credit report, however if that is not available, any of the three will suffice. Please use the credit report from this link ONLY as it provides much more valuable information to me.  Please print out the detailed version of your credit report, making sure it indicates the amount of debt owed to each creditor, the date the credit was granted and the recent payment history.  This should be a large report, approximately 25 pages or larger.  In addition, please bring in all your most recent bills, collection notices and copies of lawsuits, if any.


2. Six months of your most recent pay advices. If you are married and your spouse is employed, please bring in pay advices for both spouses. I will need to see pay advices for both spouses, even if only one spouse is going to file the bankruptcy petition.  However, if you are separated from your spouse, their income information is not needed.  If you are self-employed, please bring with you six months of profit and loss, month-by-month.


3. For every vehicle registered in your name, please print out and bring in with you a valuation, available at: kbb.com. Print out both the private party value and the retail value.


4. Both state and federal income tax returns for the prior two years. If you do not have a copy, you may obtain a transcript of your federal income tax return from the IRS at irs.gov.
   For a prior years California state tax return, call 800-852-5711.


5. All your most recent bills, collection notices and any lawsuits.


6. Four months of your most recent bank statements for all accounts you have signature rights.


7. Finally, please bring in a detailed budget, including mortgage or rent; utilities; food; insurance; clothes; gas for your vehicle; vehicle payments; out-of-pocket medical expenses; student loan payments.

Prior to being able to file a bankruptcy petition, you must obtain a credit counseling certificate. Please refer to the list provided by the Office of the United States Trustee, for a list of approved agencies. We are in the Eastern District of California.
Click here for list.

After filing your case, you must obtain a debtor education certificate. Please refer to the list provided by the Office of the United States Trustee, for a list of approved agencies. We are in the Eastern District of California.
Click here for list.