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Bankruptcy Attorney Start-Up Kit

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Bankruptcy Attorney Start-Up Kit Powered By Docstoc
					                                  713Attorney.Com LLC
                                 1601 West Fifth Avenue, Suite 123
                                   Columbus, Ohio 43212 2310
                                        Office: 614 875 4496
                                         Fax: 614 355 0184
                                 Email: victoria@713Attorney.com


____________________________________________________________________________________

                        Bankruptcy Attorney Start Up Kit
____________________________________________________________________________________

Thank you for taking the time to download this free Bankruptcy Attorney Start Up Kit. This kit contains:

        ‹       Overview of services provided by 713Attorney.Com LLC
        ‹       Common Questions and Answers
        ‹       2 Page Document List for Clients
        ‹       Sample Bankruptcy Attorney Retainer Agreement
        ‹       Links to submit your law firm website for online marketing
        ‹       Other bankruptcy links to help you
        ‹       Bankruptcy Client Intake Forms (English Version)

Note: 713Attorney.Com is a part of the 713 family of services specifically to meet the needs of debtor
bankruptcy attorneys. Other websites and companies owned and managed by Victoria Ring, CEO of
713Attorney.Com are:

        ‹       http://www.713Training.Com
        ‹       http://www.713Bankruptcy.Com
        ‹       http://www.713Seminars.Com
        ‹       http://www.713Paralegal.Com




Provided free by http://www.713Attorney.Com                                                        Page 1
Overview of Services Provided by
713Attorney.Com LLC
____________________________________________________________________________________

From training to setting up your debtor bankruptcy law practice, 713Attorney.Com is ready to
serve your needs. Below is an overview of all the services we provide. Allow us to put together
a personalized package to fit your specific law firm needs.

Chapter 7 Bankruptcy Petition Training The Basics

                     Victoria Ring developed a set of training CDs titled: How to Prepare a Bankruptcy
                     Petition. This set of 10 training videos are designed to be viewed while following
                     the step by step instruction on the computer screen. They are excellent in training
                     you and your staff in the basics of preparing a bankruptcy petition. The set covers
                     all the Forms and Schedules from the Voluntary Petition to the Statement of Affairs
                     and everything in between. Also, there are special videos on the Means Test as well
                     as Schedule I and J. These CDs have been used to train 1,000s of virtual assistants
                     and 100s of bankruptcy attorneys and their law firm staff.

For more information and to order a set, visit:
http://www.713training.com/shop/cart.php?m=product_detail&p=35

Chapter 13 Bankruptcy Petition Training The Basics

                     Victoria Ring has also written and produced a book and training CD titled: The
                     Chapter 13 Plan Training Workbook. This book and CD set teaches you and your
                     staff the skills needed to prepare a well detailed Chapter 13 Plan. The training CD
                     begins with a Chapter 7 petition. By adjusting the income, Victoria shows you how
                     a Chapter 13 can really be a Chapter 7 (by completing the Additional Information
                     tabs within the software program) and how a Chapter 13 Plan is developed if the
                     client qualifies as a Chapter 13. This is a skill that many attorneys do not have and it
                     will aide in keeping clients in Chapter 13s instead of the opposite, which will in turn
                     streamline the income for the law firm. Using the knowledge taught from the
Chapter 7 training CDs, this Chapter 13 Plan book and CD, attorneys and their staff will be provided with
all the basics. These training materials have been used to train beginners to debtor bankruptcy law.

For more information and to order a set, visit:
http://www.713training.com/shop/cart.php?m=product_detail&p=80

Chapter 7 and Chapter 13 – Advanced Training

Attorneys who do not wish to prepare their own bankruptcy petitions or for law firm personnel who
need advanced training over and above the level the videos above provide, we offer the following
options for training.




Provided free by http://www.713Attorney.Com                                                           Page 2
Online Training
Appointments are available evenings and weekends to not interfere with your business operations

Better and less costly than attending an all day seminar, you will log into a website and your instructor
will walk you through a variety of different topics on the instructor’s computer screen. You can pick and
choose from any area of training in the areas you need and require. This training is especially useful for
attorneys who have already worked in debtor bankruptcy law before the law changed in 2005 and need
training in updated procedures. It is also excellent for Chapter 13 Plan training if the attorney or staff
member is knowledgeable of preparing Chapter 7 petitions.

Groups of up to 20 people may attend the online training. Audio is provided by a conference telephone
line that the person will dial into. The training is informal and relaxed and participants are encouraged
to ask questions to advance their learning.

Onsite Training

We come to your office and personally train you and/or your entire law firm in any area of debtor
bankruptcy law. Our services are personalized to the knowledge level of you and your staff and with
your goals and objectives in mind.

Here’s how it works:

713Attorney.Com LLC is located in Columbus, Ohio. If your law firm is located within 200 miles of
Columbus, Ohio transportation charges will only be required to pay for gasoline since we will drive to
your location.

If your law firm is located more than 200 miles outside of Columbus, Ohio; the cost of airfare must be
pre paid. We will secure the airfare, using our airline perks at the lowest cost available during the time
period you require training. A receipt is emailed to you for your records after the airline tickets have
been purchased.

The training instructor will arrive one day prior to your day(s) of training. Therefore, hotel
accommodations must be secured for the day before and throughout the length of our onsite visit.
Hotel accommodations should be made by your law firm and secured prior to our visit.


                                      100% Satisfaction Guarantee
 Costs for training and computer technical services are not required until after the services have
 been performed. This company policy ensures that you are satisfied with our training and services
 or you are not obligated to pay the invoice.



Other Training Services

        ‹         Electronic filing
        ‹         PACER procedures



Provided free by http://www.713Attorney.Com                                                          Page 3
        ‹       Local rules and procedures
        ‹       Marketing your law firm (locally and internet)
        ‹       Website design and maintenance
        ‹       Do you have any other topic ideas? Just ask.


Ongoing Training and Support

All law firms that utilize our training services are provided with ongoing training and support, normally
at no additional charge. We understand that every bankruptcy petition is unique and it would be
impossible to cover every type of scenario you or your staff will encounter during basic and advanced
training. That is why we provide you and your staff with ongoing training and support. Call or email us
with a question and we will assist you for up to one year after the training you paid for is completed.
The instructor’s cell phone number will be provided to your and your staff prior to the end of your
training session.

However, if you require extensive assistance or utilize this service on a more frequent basis, you are
subject to being billed for additional services and support. But before accessing these additional
charges, we will discuss them with you so that there will be no surprises.

Virtual Bankruptcy Assistant Services

Victoria Ring is the founder of the National Association of Virtual Bankruptcy Assistants. Virtual
Bankruptcy Assistants (VBA’s) who have passed the VBA Certification Test are listed at
http://www.navba.org so that attorneys may contact them directly. However, during the training
process, if you choose to use highly trained virtual bankruptcy assistants instead of your current onsite
personnel, we will attempt to match you with a virtual bankruptcy assistant in your area. This way, the
virtual bankruptcy assistant can also provide you with onsite client intake services and assistance at the
341 Meeting of Creditors when you go to court.

                               Virtual Phone and Secretarial Services

                               The National Association of Virtual Bankruptcy Assistants is a small part
                               of the virtual assistant arena, which is a worldwide, recognized field. We
                               can match your law firm needs to a wide range of virtual assistants who
                               can provide you with a variety of services including answering your phone,
                               scheduling your appointments and court hearings, typing documents,
researching case law and any number of other duties. Just recently we paired an attorney with a Grant
Writer he needed to utilize in order to invest into real estate he wanted to turn into low income housing
for the working poor.

Hiring virtual assistants will frees you from hiring onsite staff and you only use these virtual services only
when you need them. Not only do you save money but you can be assured of being provided with
consistent, reliable and professional secretarial support.




Provided free by http://www.713Attorney.Com                                                             Page 4
Save 30% to 50% on New Dell Computer Systems

If your computers are more than 3 years old or you are just starting a
new law firm practice, we can save you from 30% to 50% on brand new
computer systems. First, we will interview you over the phone to
determine exactly what you need. We will always make sure you get the
lowest possible price for the features you need to run your firm. Next,
we will provide you with a written quote which you can make
adjustments to before approving. Once you are satisfied, your computer system(s) will be purchased.

What makes our service unique and different is that our in house certified technician removes all the
advertisements and annoying pop ups BEFORE your computer system is delivered to you. Also, any
software you purchased will be installed and ready to go on Day 1. Finally, your computer(s) are
delivered to you and set up onsite at your office, or shipped to you by insured Federal Express.

Ongoing Support and Maintenance for Your Computer Systems

Regardless of whether you purchase your computer through us or not, if you would like ongoing support
and maintenance for your computer systems, an icon can be installed on your desktops or laptops. Once
the icon is installed you will never be plagued with computer problems again. You also will never need
to take your computer in for repair. Instead, if you should encounter a computer problem, a virus issue
or any other support issue, simply click on the icon installed on your computer’s desktop. Our certified
technician will access your computer remotely and solve any problems you may have; often when your
office is closed and without disrupting the workflow of your law firm. Or you can call in and we will fix
minor computer issues while you are on the telephone.

Computer Networking Services

We also provide law firms with computer networking services. Regardless of whether you need wireless
or hard wired services, our technical support personnel will travel to your office and perform the
services you need. Networking of your computers is necessary if you have more than one computer
system and you want them all to communicate with each other in real time. Or perhaps you need your
office personnel to keep track of your calendar, appointments or access the same software programs
with other staff members. Regardless of your networking needs, our support team is ready to assist
you.

Establish Operations and Paperless Office Procedures

Victoria Ring, the owner of 713Attorney.Com LLC, gained a great deal of her office procedural
knowledge working for the Columbus Bar Association as a temporary paralegal employee. From 1980 to
1986 she worked for a variety of different law firms and was exposed to different office procedures and
operations. Victoria not only worked as a paralegal but also trained paralegals and has extensive
knowledge from the management perspective. Pulling from this excellent knowledge base, Victoria will
design a set of operations and procedures for your law firm that is customized to your objectives. These
operations and procedures will be professionally typeset into an office reference manual to be followed
by law firm employees for many years to come. Updates are completed upon request.



Provided free by http://www.713Attorney.Com                                                        Page 5
Paperless office procedural training can also be established for solo practitioners. This service can be
accomplished remotely and does not require onsite training. However, if you hire us to travel to your
office for training and/or computer technical services, we will add paperless office procedural training at
no additional charge.

Publishing Services

We provide publishing services through our publishing company, Graphico Publishing, for a wide variety
of training materials, form booklets and personalized manuals for your law firm. Publishing is offered in
a wide variety of formats from 3 ring and comb bound to professional paperback and hardback books.
We also provide cover design and professional typesetting so we can handle type of job from start to
finish.

Printing Services

We provide a wide range of printing services to our attorney clients by networking with two commercial
printers in Frankfort, Kentucky and Columbus, Ohio. You may utilize these services for business cards,
marketing materials, copies of CDs and DVDs, framing of certificates and much more. Allow us to quote
your next printing job and let us to prove our high level of quality and low prices.

Additionally, we provide CD and DVD label design, jacket design, conversion to PDF for pre press and
much more. And because we are familiar with working solely for law firms, we understand the “look”
you are after in the professional representation to your clientele.

Can You Think of Anything Else?

Every bankruptcy attorney and law firm is unique and 713Attorney.Com LLC understands this better
than most people. Regardless of your needs, we can personalize an array of services that is affordable
and meets the goals you are seeking to achieve. Give us an opportunity to provide the quality of our
services to you. We promise you will not be disappointed.

713Attorney.Com LLC
http://www.713Attorney.com
1601 West Fifth Avenue, Suite 123
Columbus, Ohio 43212 2310
Office: 614 875 4496
Fax: 614 355 0184
Email: victoria@713Attorney.com




Provided free by http://www.713Attorney.Com                                                          Page 6
Common Questions and Answers
____________________________________________________________________________________


What is a Virtual Bankruptcy Assistant?

A virtual bankruptcy assistant is a highly skilled, independent business owner who provides debtor
bankruptcy attorneys with services, most commonly, the preparation and electronic filing of well
detailed Chapter 7 and Chapter 13 bankruptcy petitions. No longer is a bankruptcy law firm plagued
with the time and cost to advertise, interview and train new employees. For jobs not required to be
completed inside the office of the law firm, attorneys hire trained virtual bankruptcy assistants.

What Are the Advantages for an Attorney Hiring a VBA?

The main benefit is that there is no financial risk for the law firm. If the attorney is not satisfied with the
work of a virtual bankruptcy assistant, they are not required to pay them. This can be compared to a
roofing contractor who comes out to your home to install a new roof. If they do not do a good job, you
do not pay them. Why? Because they are not your employees; they are a company you hired to do a job
that you were not satisfied with.

Below are some additional benefits for attorneys who hire VBAs:

         1.      No standard overhead expenditures for the attorney (i.e., desk, chair, office supplies,
software and employee downtime costs). Virtual bankruptcy assistants already have established their
office and use their own software programs because they are independent business owners.

         2.       No office politics. Normally, the majority of time the only contact the attorney will have
with the virtual bankruptcy assistant is by email and phone. This eliminates staff and employee conflicts
which wastes time and costs the average law firm a great deal of money. However, if the virtual
bankruptcy assistant is within driving distance of the attorney's office, he or she may provide client
intake interview services. By going to the office, meeting the client in person and reviewing the client
intake forms they filled out, the virtual bankruptcy assistant gains more knowledge of the case and can
normally do a better job. That is why no additional charge should be made for an onsite client intake
interview since it makes the job easier for the virtual bankruptcy assistant.

         3.        Attorneys increase their profits. Attorneys can make as much as $1,000.00 or even
more with only a 1 2 hour investment of their time. For example: An attorney charges a client $1,500.00
to represent them in a Chapter 7 bankruptcy filing. The attorney pays the virtual assistant $500.00 for
the form preparation. The time it takes the attorney to meet with the client, have the client sign a
Retainer Agreement and attend the 341 Meeting, is approximately 1 2 hours. (This is a typical example
because every bankruptcy petition is unique; however, the attorney will increase their profits
significantly if the virtual bankruptcy assistant provides well detailed work in the gathering of
information and input of the bankruptcy petition.)

Ref: How to Increase Profits for Your Law Firm which can be purchased at:
http://www.713training.com/shop/cart.php?m=product_detail&p=22



Provided free by http://www.713Attorney.Com                                                              Page 7
What is Foreclosure Mediation?

A foreclosure mediator negotiates a resolution between the mortgage company and the borrower to
enable them to keep their home. Foreclosures are a common occurrence in Chapter 7 and Chapter 13
bankruptcy cases. In fact, in a Chapter 7 bankruptcy a borrower can easily lose their home if they are
unable to make payments as well as paying back all the arrearages before the 341 Meeting. A
foreclosure mediator will work under the direction of the bankruptcy attorney in order to negotiate a
settlement between the parties for a client who is filing bankruptcy.

Recommended Training: “Complete Foreclosure Mediation Training Kit”
http://www.713training.com/shop/cart.php?m=product_detail&p=93

Three Things You Need Before Preparing a Bankruptcy Petition

        1. Has the debtor(s) ever filed bankruptcy? Or, did the filer receive a discharge?
        2. Have the debtor(s) completed the credit counseling requirement and was it completed
           within the last 180 days?
        3. Have the debtor(s) provided 6 months of pay advices? This includes the current month and
           the 5 previous months.

Note: If a debtor is employed, the pay advices will be pay check stubs. If the debtor receives another
type of income (such as rental income, social security, unemployment, etc.) the money may be
deposited into their bank account. In this case, pay advices would be bank statements showing the
direct deposits.

I have experienced spending many hours working on a bankruptcy petition, only to find out the client
has not completed the credit counseling requirement, provided pay advices or does not qualify for filing
bankruptcy because they recently filed one. When I encounter these issues I have no choice but to
immediately stop preparing the bankruptcy petition and notify the attorney at once.

Therefore, to eliminate the possibility of this situation occurring altogether, do not even begin to input a
bankruptcy petition until you have verified the debtor has provided information to the three topics
detailed above.

How Often Can a Person File Bankruptcy?

Under the new bankruptcy law:

        1.  If someone receives a discharge for a Chapter 7, they cannot file another Chapter 7 for 8
           years.
        2. If someone receives a discharge for a Chapter 7, they cannot file a Chapter 13 for 4 years.
        3. If someone receives a discharge for a Chapter 13, they cannot file a Chapter 7 for 6 years.
        4. If someone receives a discharge for a Chapter 13, they cannot file another Chapter 13 for 2
           years.




Provided free by http://www.713Attorney.Com                                                           Page 8
2 Page Document List for Clients
____________________________________________________________________________________


The following is a list of documents your clients will need to bring with them when they come to your
office to file their bankruptcy petition. This document will be personalized with your law firm’s name
and contact information when you utilize the services of 713Attorney.Com LLC.

You may also retype this list on your law firm letterhead if you do not wish to use our training services.
This list is provided to help you remember to collect all documents that assist you in meeting the due
diligence required under BAPCPA.

1.      6 months of paycheck stubs.

2.      6 months of bank account statements.

3.      Copies of titles to all motor vehicles.

4.      Recorded mortgage and deed for all real property. These documents are normally obtained
        from the Recorder's Office for the county where the real property is located.

5.      Copies of any and all lease agreements, including motor vehicle leases, rent to own property,
        contracts, etc.

6.      A copy of appraisals made within the past 12 months for all real property. If you are buying or
        own any other real property, and it has not been appraised within the past 12 months, you must
        pay for an appraisal prior to filing bankruptcy.

        Note: There is difference between a “bankruptcy appraisal” and a “real estate appraisal.” This is
        because the bankruptcy court must have a realistic figure in case the property is seized and sold
        at a bankruptcy assist sale. A “real estate appraisal” is only done when a home is being sold. It
        normally provides a higher price than the “bankruptcy appraisal” price.

7.      Copies of any lawsuits, foreclosures, judgments, liens or garnishments filed within the past two
        (2) years.

8.      Copies of all insurance policies including life, disability insurance, homeowners, renters, motor
        vehicles or any other insured assets. Be sure to include any "riders" which cover any specific
        items of personal property with insured values.

9.      Income tax returns for the past two (2) years.

10.     All documents relating to retirement accounts, IRAs, 401Ks, etc.

11.     Separation agreements, decrees of dissolution, divorce decrees or support obligations filed
        within the past one (1) year.



Provided free by http://www.713Attorney.Com                                                           Page 9
12.     Security agreements, financing statements and any or all personal property leases.

13.     Copies of credit reports from all 3 credit reporting agencies: Equifax, TransUnion and Experian.
        Under law, you are entitled to one free credit report per year which you can obtain online at:
        https://www.annualcreditreport.com/

14.     Stock certificates, bonds, credit union and passbook savings accounts and statements
        evidencing investments or savings.

15.     Documents verifying interest in any future property (such as a Will)

16.     Consumer credit counseling documents. If you have not obtained your credit counseling, you
        may obtain them online at:
        http://www.yourbankruptcypartner.com/prebankruptcy_certificates/

17.     Copies of any previous bankruptcy cases filed within the past eight (8) years.

18.     Copies of the most recent statement from any educations IRS and/or Tuition Trust account.

19.     Copies of the most recent statements from any student loans.

20.     List of prior addresses you have lived at within the past three (3) years.

21.     Copies of utility bills for the past six (6) months.

22.     Driver's license or state identification card which provides verification of your social security
        number.

23.     Any documents relating to a "disabled veteran" status.

24.     Completed set of Client Intake Forms which provides us with the information to prepare a well
        detailed bankruptcy petition acceptable to the court. In no circumstance should your credit
        report be used in place of the Debt Sheets within the Client Intake Forms. Your credit report
        should be used as a guide to make sure all your debts are included.




Provided free by http://www.713Attorney.Com                                                           Page 10
Sample Attorney Retainer Agreement
____________________________________________________________________________________


The following document was provided by a bankruptcy attorney who gave us permission to distribute as
long as it was distributed free to bankruptcy attorneys. To obtain a free sample in Word format so you
can customize it for your law firm, visit: http://www.713training.com/retainer_agreement.doc

                  OUR LAW FIRM IS A DEBT RELIEF AGENCY. WE HELP PEOPLE FILE FOR
                        BANKRUPTCY RELIEF UNDER THE BANKRUPTCY CODE.


        In consideration for services to be rendered to undersigned Client’s ("Client") by Attorney
_______________, ("Attorney") located at __________________, in connection with representing Client
regarding bankruptcy matters, Client, jointly and severally agrees to pay Attorney as follows:

        1.     A total amount of $___________ is required to be paid for representation in Client
bankruptcy case. An additional $_______ is to be paid by Client for the court filing fee of the bankruptcy
petition.

                A retainer of $___________ was paid on ________________. A retainer is an advance
payment for Attorney services and the expenses Attorney may incur on Clients behalf and does not
cover the court filing fee. Client understands that such amount will be credited against any amount
Client owes Attorney and will not be refunded regardless if Client decides to cancel filing of the
bankruptcy petition or not.

                 Client understands that if any check given in payment to Attorney is returned for
insufficient funds, Client agrees to immediately pay Attorney a $40.00 fee in addition to the amount of
the returned check. This payment and any future payments must therefore be made in cash, money
order or debit card.

          2.      Attorney reserves the right to withdraw from Client representation if, among other
things, Client fails to honor the terms of this Agreement, including non payment of Attorney and court
filing fees; Client fails to cooperate or follow advice on a material matter, or if any fact or circumstance
arises or is discovered that would render continuing representation unlawful or unethical. Client is
aware of an ethical requirement imposed upon all Attorneys in this state. If a Client, in the course of
representation by an Attorney, perpetrates a fraud upon any person or tribunal, the Attorney is
obligated to call upon the Client to rectify the same. If the Client refuses or is unable to do so, the
Attorney is required to reveal the fraud to the affected person or tribunal.

        3.      Since the outcome of negotiations and litigation is subject to factors which cannot
always be foreseen, Client acknowledges and understands that Attorney has made no promises or
guarantees to Client concerning the outcome and is unable do so. Nothing in this Bankruptcy Retainer
Agreement shall be construed as such a promise or guarantee.




Provided free by http://www.713Attorney.Com                                                           Page 11
       4.       Client agrees that Attorney may discard Client records within five (5) years of the
completion of the Client's bankruptcy case.

        5.      Attorney shall provide Client with the following services:

                a.       Review and analyze Client’s financial circumstances based on information
provided by Client.

                  b.      If possible and to the extent possible, based on the information provided by
Client, advise Client of the Clients options, including but not limited to bankruptcy options.

                 c.       Inform Client what information Client needs to provide Attorney in order to
allow Attorney to provide appropriate advice and option information, in the event such information
Client provided is insufficient.

               d.      Advise Client of the appropriate requirements in connection with the filing of a
Chapter 7 or Chapter 13 bankruptcy, including the duties of Client connected with such filing.

                 e.      Quote the Client an estimated fee, to the extent possible given the information
provided by Client, for the Attorneys service relative to providing bankruptcy assistance or other legal
services to Client.

                 f.       Assuming that a U.S. Bankruptcy proceeding is filed, Attorney services will
include all typical Attorney required participation in such proceeding, including but not limited to,
appearances at Court hearings, preparation of legal memoranda, and communication with opposing
counsel and parties.

                 g.       If Client’s proceeding requires additional, but not customary work, Attorney will
inform Client directly, and enter into a separate written contract for such services to fully apprise Client
of the fees, payment requirements, and expected services to be provided.

          6.       Client acknowledges his/her obligation to make full and complete disclosure of all assets
and all liabilities, and to provide all documents and information requested by the Attorney, before the
bankruptcy petition can be prepared and filed with the court.

        7.      Client acknowledges that he/she must attend pre petition credit counseling before the
bankruptcy petition can be filed. Client understands that he/she must also attend post petition
counseling after the bankruptcy petition is filed and within the time frame allowed by statute. Client
acknowledges that the bankruptcy cannot be filed without the certificate of completion of the pre
bankruptcy credit counseling. Client understands that no discharge of debts will be issued if the post
bankruptcy credit counseling is not completed within the statutory time frame.

        8.       Client acknowledges that Attorney does not represent Client in any other type of case,
lawsuit or proceeding other than Client’s bankruptcy case. The Attorney may make a special appearance
in a court, other than the Bankruptcy Court, for the purpose of filing a notification of Client’s bankruptcy
proceedings, and to suggest to another court that Client’s proceedings should be stayed. Sending or



Provided free by http://www.713Attorney.Com                                                           Page 12
receiving any summons or complaint, or notifying the Attorney of a pending lawsuit does not obligate
the Attorney to represent Client in that lawsuit or before that court. Any representation of Client in a
state court proceeding, including without limitation: collection lawsuits, foreclosure lawsuits, and etc., is
not included in this Bankruptcy Retainer Agreement. Any referral made to another Attorney to
represent Client is a courtesy only. The Attorney is not associated with any other Attorney outside of
the undersigned Attorney’s law offices.

        9.      Client acknowledges that the Attorney will not research creditor information,
including addresses, account numbers, or balances. The Client must provide this information to the
Attorney in writing. Failure to do so may result in unscheduled debts subject to non dischargeability.

        10.     Client agrees that the following matters are not included within the scope of this
Bankruptcy Retainer Agreement. Client agrees that, as to the matters listed below, the Attorney will not
take any action on Client’s behalf, without a written request and/or a separate Retainer Agreement and
possibly an additional retainer:

                a.       Motions to revoke a discharge.
                b.       Removal of a pending action in another court.
                c.       Obtaining title reports.
                d.       The determination of real estate or tax liens.
                e.       Appeals to the BAP, District Court of Court of Appeals.
                f.       Correcting credit reports.
                g.       Negotiations with Check Systems regarding Client.
                h.       Motions to Dismiss clients’ bankruptcy case filed by the Trustee, U.S. Trustee, or
                         any creditor.
                i.       Any adversary proceeding filed by the Trustee, U.S. Trustee, or any other party
                         on any basis, including, without limitations, proceedings to determine
                         dischargeability of debts.
                j.       Preparing reaffirmation agreements, negotiating the terms of reaffirmation
                         agreements proposed by creditors, motions to redeem personal property, and
                         negotiating reaffirmation agreements when Client’s income is not sufficient to
                         rebut the presumption of undue hardship and special circumstances do not
                         warrant the signing of a reaffirmation agreement.
                k.       Motion to impose or extend the bankruptcy stay.

         11.       Client understands that certain debts cannot be discharged in bankruptcy. Client agrees
that Client is still liable to repay any debt not discharged in Client’s bankruptcy. Client understands that
the debts listed below are common examples of the types of debts that cannot be discharged in
bankruptcy. Client further understands that the list of non dischargeable debts may be expanded by
legislation or court decisions and Attorney has no control over the type of debts that may be or become
non dischargeable.

                a.       Certain types of taxes, custom duties, or debts to pay taxes or custom duties.
                b.       Student loans.
                c.       Debts owed for spousal or child support.




Provided free by http://www.713Attorney.Com                                                          Page 13
                d.      Debts owed to the spouse, former spouse, or child in a domestic relations
                        proceeding.
                e.      Debts arising from a previous bankruptcy wherein discharge of that particular
                        debt was waived.
                f.      Debts owed for money, property, services, extension or removal, or refinancing
                        of credit, if obtained by false pretenses, or false representations, or actual
                        fraud.
                g.      Consumer debts for luxury goods obtained within ninety (90) days of the date of
                        filing of the bankruptcy petition.
                h.      Cash advances obtained within seventy (70) days of the date of the filing of the
                        bankruptcy petition.
                i.      Debts owed for fraud or defalcation while acting in a fiduciary capacity, or
                        embezzlement or larceny.
                j.      Debts owed for fines, penalties, or forfeitures payable to and for the benefit of
                        governmental entity.
                k.      Debts owed for death or personal injury arising from the operation of a motor
                        vehicle, boat, or aircraft while intoxicated by drugs or alcohol.

         12.     Client understands that filing bankruptcy does not automatically discharge or remove
liens from any real estate. Client agrees that the Attorney will not take any action to avoid (remove) any
lien on real estate unless Client specifically authorizes the Attorney to do so in writing. Client agrees
that the Attorney will rely on Client’s statements concerning ownership of real property and any liens
attached to Client’s real property. Client agrees that no real estate title search will be conducted. Client
agrees that Attorney will not conduct a public records search for lawsuits filed against Client or
judgments granted against Client. Client must separately order and pay for a real estate title search, or
public records search for lawsuits or judgments, if client wishes to obtain one. Client agrees to hold the
Attorney harmless if client later discovers liens, lawsuits or judgments against Client or against Client’s
real estate.

        13.      Client understands that individuals who file for relief under Chapter 7 or Chapter 13 of
the Bankruptcy Code are subject to audits by the U.S. Trustee. If Client’s case is selected for an audit,
Client agrees to pay Attorney the customary hourly rate for representing Client in such audit.

        14.     Client understands that Attorney may charge additional fees if Client waits longer than
ninety (90) days from the first date Attorney is retained to finalize the bankruptcy petition and schedules
due to additional due diligence and other update work required to finalize the bankruptcy.

       15.     Client acknowledges that Client has read and understands all the terms contains in this
Bankruptcy Retainer Agreement and that, whether written, spoken, recorded or transcribed by any
other means, no other terms are made part of this Bankruptcy Retainer Agreement. Client is in
agreement with the terms of this agreement and has signed on the signature lines below. Client further
acknowledges that Client has received a copy of this Bankruptcy Retainer Agreement.

(signatures)




Provided free by http://www.713Attorney.Com                                                         Page 14
Links to Submit Your Law Firm Website
for Free or Low Cost Marketing
____________________________________________________________________________________


The following links are subject to change. 713Attorney.Com LLC does not have any affiliation with these
links and utilizing them for marketing purposes is solely at your own risk since we have no control over
the individual website’s operation. Notice that some websites provide free basic listings as well as paid
premium listings.

It is highly recommended that you setup a free email address with Google, Hotmail, Mail.Com or Yahoo
and use this email address for marketing. When filling out a form and you are asked for your email
address, never provide your law firm email address or you will be spammed with tons of unwanted
email. Instead, use your free email address and periodically login and delete the email. This keeps your
law firm email clean and your computer free of virus attacks from unscrupulous people.

Law Firm Directory.Org
http://www.lawfirmdirectory.org/directory/links/add.php?category=36

Lawyers By City
http://www.lawyers by city.com/add_law_firm.php

CyberAttorney
http://www.cyberatty.com/cgi bin/addfirm.pl

Lawyers Listings
http://www.lawyerslistings.com/user/user_add.asp

Worldwide Legal Directory
http://www.hg.org/addlf.html

The Lawyers List
http://www.thelawyerslist.net/recommend.shtml

The Attorney Directory
http://www.myattorneydirectory.com/index.php?id=3

US Legal
http://lawyers.uslegal.com/addlisting.php

Law WorldWide – Free and $75.00 per year Premium
http://www.lawworldwide.com/Free_firm_listing_form.htm
http://www.lawworldwide.com/Premium_Firm_listing_form.htm

Local Attorneys Network $50.00 for a lifetime listing
http://www.local attorneys.com/add/


Provided free by http://www.713Attorney.Com                                                       Page 15
Lawyer Search Site
http://www.lawyersearchsite.com/attorney/user.php

Legal Dockets Attorney Directory
http://www.legaldockets.com/attorneydirectory.html#anchor_167

The Internet Lawyer’s Directory
https://www.lawfirm.com/order_listing.php?level=10

The Best Lawyers Directory
http://www.findthebestlawyers.com/members/index.php?do=addlisting

Attorneys Finders
http://attorneysfinders.net/add attorney link.html

US Lawyers Maps
http://www.uslawyermaps.com/submit website.html

Online BIZ Directory
http://www.onlinebizdirectory.com/add_url.html

Register first then create a free listing in the Nationwide YellowPages
http://www.yellowpages.com/

Attorney Directory Advertising $49.00 per year
http://www.legal definitions.com/attorney directory/attorney directory advertising.htm

Resources for the Attorney Directory $39.95 one time fee
http://attorney.resourcesforattorneys.com/signup.html

Also, do a search on any search engine such as http://www.google.com under the search words: “add
attorney listing.” Locate the attorney directory for your particular state and add your name to your
state directory.

Keep in mind that there are 1,000s of specific search engines for the legal community. LawCrawler is one
that is operated by FIndLaw, AltLaw at http://www.altlaw.org/ is another; but there are many, many
more. Do a search under the search words: “legal search engines” to begin your search. Add your law
firm to as many industry specific legal search engines as possible that are free or offer a one time fee.
Keep in mind not to sign up and pay for recurring charges. You will easily forget about them and your
credit card may be charged monthly fees for years, mounting into the thousands of dollars before you
catch it and cancel. Besides, companies charging recurring monthly fees normally make it difficult if not
impossible to cancel, so use caution when dealing with these types of payment structures.




Provided free by http://www.713Attorney.Com                                                      Page 16
Other Bankruptcy Links to Help You
____________________________________________________________________________________

Some of the links below are managed and updated by 713Attorney.Com LLC and the 713Training.Com
LLC family of companies. Others are to websites not controlled by Victoria Ring and her companies. You
are advised to use caution when visiting any website. If you should have any questions regarding the
websites managed by 713Attorney.Com LLC and 713Training.Com LLC, please contact our office at 614
875 4496 or email the office manager, Cheri Graham at cheri@713training.com

Bankruptcy Attorney Training
http://www.713Attorney.com

The National Association of Virtual Bankruptcy Assistants
http://www.navba.org

Bankruptcy Forum
http://www.navba.org/forum

Bankruptcy Blog
http://www.713bankruptcy.com

Virtual Bankruptcy Assistant Certification Exam
http://www.vbacertification.com/

Training Products for Debtor Bankruptcy Professionals
http://www.713training.com/shop/cart.php

Biographical Sketch of Victoria Ring, Certified Paralegal
http://www.713training.com/victoriaring/index.html

PACER Service Center
http://pacer.psc.uscourts.gov/

Find Your Chapter 7 Trustee
http://www.usdoj.gov/ust/eo/private_trustee/locator/7.htm

Find Your Chapter 13 Trustee
http://www.13network.com/

Locate Bankruptcy Courts by Zip Code
http://www.uscourts.gov/courtlinks/

Locate Bankruptcy Exemptions
http://www.bankruptcyaction.com/bankruptcyexemptions.htm




Provided free by http://www.713Attorney.Com                                                    Page 17
Child Support Agencies for Listing on the Bankruptcy Petition
http://www.usdoj.gov/ust/eo/bapcpa/ds/index.htm

Credit Counseling Services Approved by the Federal Government
http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm

Kelly Blue Book for Motor Vehicle Market Values
http://www.kbb.com/

Best Case Bankruptcy Software
http://www.bestcase.com

National Association of Consumer Bankruptcy Attorneys
http://www.nacba.org

American Bankruptcy Institute
http://www.abiworld.org

National Association of Bankruptcy Trustees
http://www.nabt.com/

More links can be found at
http://www.713training.com/links/index.html

(end)




Provided free by http://www.713Attorney.Com                     Page 18
Client Intake Forms
(English Version)
____________________________________________________________________________________


While working for a debtor bankruptcy attorney back in 1999, Victoria Ring found that clients did not
understand how to complete the client intake forms the attorney was using. She asked the attorney if
he would mind if she typeset a new set that was more user friendly. Unfortunately, the first set she
designed still had problems. For example, many clients did not know the difference between “real” and
“personal” property and others did not know the difference between “assets” and “liabilities.” Victoria
went to work changing the language so they were easier to understand. She would make updates, use
them in actual client intake interviews, and continue tweaking them until the forms were easy for clients
to understand as well as providing her with almost everything she needed to prepare the entire
bankruptcy petition. This process took many client intake interviews to achieve but they have been
downloaded and utilized by 1000s of bankruptcy attorneys nationwide since 2001.

You will find that the following client intake forms are extremely well detailed which is what is required
for the bankruptcy court. However, they could never possibly cover every type of scenario. That is why
Victoria built in markers to help you identify missing information. For example, on the Household
Inventory page, if a client lists a cell phone as an asset, you must remember to disclose any cell phone
contracts within the bankruptcy petition. Most clients do not think of their cell phone as a contract and
do not normally include it on their Monthly Expenses. This is only one example of how to use the client
intake forms that Victoria Ring developed. There are many more tricks which you will undoubtedly find
as you use them in your day to day activities.

If you should become a client of 713Attorney.Com LLC, a full set of the following client intake forms will
be personalized with your law firm name and contact information. Or, you may personalize them if you
have the full registered copy of Adobe Acrobat, or, if you do not wish to utilize our training and technical
support services, you may order a personalized set at:
http://www.713training.com/shop/cart.php?m=product_detail&p=19

You may also wish to download a free set of the Spanish Client Intake Forms at:
http://www.713training.com/intake_forms/index.html




Provided free by http://www.713Attorney.Com                                                         Page 19
                              IMPORTANT
               Instructions For Filling Out Client Intake Forms
Your Assets                                              credit report may or may not contain all the
                                                         addresses you need to properly complete the
Everything you have in your possession, from the         debt sheets. If you are required to obtain your
coffee pot to the house you live in (and everything      own credit report you may want to try True Credit
in between) is an asset. Even if you still owe           at http://www.truecredit.com. This 3-in-1 report
money to a creditor, the asset you are paying for        contains addresses and other detailed informa-
is still in your possession and its value must be        tion not provided in other credit reports.
disclosed when you are filing bankruptcy. Your
attorney may be able to help you estimate the            However to help you in locating addresses for
value of some property, but in most cases, values        creditors, the best place to start is to call the toll-
can be obtained by you from current mortgage             free national information line at 1-800-555-1212
statements, receipts and even bank records.              and see if a toll-free number is listed under the
                                                         company’s name. If not, you may need to look in
                                                         your phone directory or do an online search from
  VERY IMPORTANT                                         Google at http://www.google.com. which we
                                                         found to be the fastest method of locating current
  The extra time you spend in providing detailed         name and address information for companies.
  answers to the questions on these Client
  Intake Forms will prevent your case from               Listing the address of the original company you
  being delayed. If you do not provide the               owe money to as well as the collection agency
  answers, we will need to speak with you at a           collecting on the debt is also just as important. By
  later time to obtain the information anyway. So        doing this, all parties concerned with the debt are
  please take the time now and do not allow              notified by the court and it will greatly aide in
  your case to be delayed over a few                     deceasing all collection phone calls you may be
  unanswered questions.                                  currently receiving.

Please provide COMPLETE addresses                        What do you do after you have retained an
                                                         attorney but the credit collectors continue to
Providing the complete names and addresses for           call you?
every debt you owe (as well as the company
collecting for this debt [if applicable]) is extremely   Provide the credit collector with the name and
important. Without this crucial information, the         telephone number of your bankruptcy attorney. If
company you owe money to may not be properly             you have a case number you can provide that
notified by the court and the debt may not be            also. But do NOT provide any other information
eligible for discharge. Additionally, in some            whatsoever. Allow your attorney to deal with the
instances, it can even be considered “fraud” not         creditor. That is what you hired him or her for - to
to provide complete mailing addresses for all            represent you.
creditors because it denies a creditor the right to
file a Proof of Claim or Motion for Relief from Stay     Other Tips for Filling Out the Debt Sheets:
in a timely manner and could even delay the
discharge of your bankruptcy case.                       Š Make sure all company names are spelled
                                                         out. (For example, instead of writing “HSB” for a
What if you don’t know the address of the                company name, write out the words “Home
company you owe money to?                                Secure Bank” or whatever the case may be.)

If you or your attorney requested a credit report        Š Make sure the street address is readable and
before filling out these Client Intake Forms, the        any abbreviations are spelled out.

                               Forms developed by Victoria Ring, 713Training.Com
Š Make sure the city, state, and ZIP are included        additional sheet of paper) and provide the income
for all addresses. If the zip code is not known, it      for this year and the last 2 years for each sepa-
can be obtained online: http://www.usps.com.             rate type of income.

Š Make sure all the information for each creditor        Social security income is not considered to be
is completely filled in. Every piece of this informa-    income under the bankruptcy law but your attor-
tion is important in preparing a detailed bank-          ney still needs to have this information available in
ruptcy petition for you. If you do not know the          your file for reference purposes.
exact date you made a debt, or charged on the
account, a “year” is sufficient. The “year” can also     Statement of Affairs Form
be within a 2-year time frame. Not providing dates
or years will delay the processing of your petition      Make sure that every box is answered with either
as we must contact you to obtain the information.        a “yes” or “no” on the Statement of Affairs forms
Š For the “last date charged on this account”            within this package. These pages serve as a
line, do not provide the last date you received a        written statement concerning your current finan-
statement. We are only interested in the last date       cial condition. If a box is left unanswered, you will
you actually made a purchase using this particu-         need to provide a written statement that specifi-
lar charge account.                                      cally answers this question before your petition
                                                         can be finalized. Please double-check and make
Means Test Page                                          sure you have answered every question on the
                                                         form pages titled “Statement of Affairs.”
To meet the requirement of the changes in the
bankruptcy law on October 17, 2005 - you are             In addition, if any question on the Statement of
now required to pass a Means Test to determine if        Affairs forms is answered “yes,” it is extremely
you are eligible to file a Chapter 7 or 13.              important that you fill in all the required informa-
In order to make this determination, the court           tion under the question you checked “yes” to. For
requires that you provide the amount of income           instance, some people check “yes” to the item on
you earned for the last 6 months. Even if your           the Statement of Affairs referring to previous
income has drastically increased or decreased            addresses; however, they do not include the city,
recently, the amount of income you received is           state and zip code of the address they lived at.
still disclosed on the Means Test. This information      Or, if a car has been repossessed, don’t just call
may or may not be the same for the form named            it a “car” but provide the make, model and year. It
“Income History for You Page” (see below.)               is important for you to be as detailed as possible
                                                         when answering any question “yes.” Also, if you
Income History for You                                   run out of room, turn the paper over and write on
                                                         the back. The higher level of detail you provide at
An often overlooked piece of vital information we        this initial stage will greatly aide in moving your
need on the Income History for You form is your          case along at a fast pace and prevent long delays
year-to-date income, plus the income you made            and additional paperwork later down the road.
in the last 2 years. This question appears right
below your name on the form page. Your year-to-          Motor Vehicles
date income should appear on your recent pay-
check stub. However, if you have had more than           Please remember to ALWAYS provide the make,
one employer this year, you will need to provide         model and year of your motor vehicle. We must
us with the TOTAL amount of income you made              obtain market values of all motor vehicles from
working for ALL employers.                               the Blue or Black Book for the bankruptcy court.
                                                         We need all the information on the vehicle,
In addition, if you also receive (or have received)      including the present mileage to obtain the correct
another type of income (child support, unemploy-         market value. Example: 2001 Kia should be
ment, social security, pension, etc.) within the         2001 Kia Rio, or 2001 Kia Spectra, or whatever
past 2 years, turn the page over (or use an              the case may be. Simply writing the word “car”

                               Forms developed by Victoria Ring, 713Training.Com
does not tell us anything and delays the filing of      Š    How many months the contract is for;
your bankruptcy petition.                               Š    How much you pay per month (installment
                                                             payment);
Court Documents                                         Š    If you want to continue paying the contract or
                                                             not assume the lease; and
If you have been involved in a court proceeding of
                                                        Š    Any details about this contract (lease).
any type within the past 12 months, including a
foreclosure, wage garnishment, traffic tickets,
                                                        Summary
other fines, lawsuits, judgments for debt collec-
tion, etc. -- we need to know the following infor-
                                                        Thank you for taking the time to read these
mation, which can be obtained directly from the
                                                        important instructions before filling out the Client
court pleading you received in the mail:
                                                        Intake Forms. We understand that filing bank-
Š   Court Heading -- (example: John Doe, Plaintiff      ruptcy is not something people enjoy doing. In
    -vs- Jane Doe, Defendant)                           fact, we know this is a stressful time in your life.
Š   Case Number                                         However, we want to make the experience as
Š   Name and address of court where document            easy as possible. The only way we can do this is
    was filed                                           to obtain all the information that is needed for the
Š   Date document was filed with the court              attorney to represent you in court.
Š   Names and complete addresses of any
    attorneys or parties involved with the case         Thank you for taking the extra steps necessary to
    (including the Plaintiff)                           help us make this time in your life a little less
Š   Current status -- Has a hearing already taken       stressful. And please do not hesitate to call our
    place? If so, what was the result? If the           office if we can assist you in any way. We sin-
    hearing has not taken place and a decision          cerely hope you are happy with our law firm and
    has not been reached yet, provide the date of       will want to recommend us to others.
    the court hearing and let us know if the case
    is still “pending.”
                                                            Famous People who filed bankruptcy:
You may find it easier to simply make a copy of
the court document and include it with your Client          1871 - Phineas Taylor Barnum (Barnum and
Intake Forms when you return them to your                          Bailey’s Circus)
attorney.                                                   1872 - Mathew Brady (famous photographer)
                                                            1875 - Henry John Heinz (Heinz catsup developer)
                                                            1884 - Henry Ford (automobile manufacturer)
If you no longer have a copy of the court pleading          1892 - Milton Snavely Hershey (Hershey chocolate)
that provides this information, you may be able to          1894 - Mark Twain (famous writer)
go online and get a copy. Go to a search engine             1962 - Mickey Rooney (famous actor)
like Google at http://www.google.com. Type in a             1988 - Jerry Lee Lewis (famous singer)
search for your county (example: Franklin County            1991 - Johnny Unitas (famous quarterback)
Ohio). If your county is online, you can normally           1992 - Debbie Reynolds (famouse actress)
do a simple search by your last name and locate             1992 - Wayne Newton (famous singer)
public records that may be helpful in locating the          1993 - Kim Basinger (famous actress)
information needed for your bankruptcy petition.            1996 - Burt Reynolds (famous actor)
                                                            1996 - MC Hammer (famous singer)
                                                            1999 - Sherman Hemsley (George Jefferson on the
Contracts                                                          hit 1970s TV show)
                                                            2000 - Marjorie Margolies Mezvinsky (U.S. House
Contracts you have may include cell phones, a                      of Representatives)
lease for an automobile or even a contract you
entered into with another party to pay back a debt.         * Online Source: Thomson-West, an article by
Be sure to provide the following:                           Laura J. Margulies of Laura J. Margulies &
                                                            Associates LLC
Š   The date or year the contract began;

                              Forms developed by Victoria Ring, 713Training.Com
                                      GENERAL INFORMATION
    Please fill out ALL the information requested in these forms. If a question or section does NOT apply to you, write
    “N/A” in the space. (N/A means “not applicable.”) The more information you provide in these forms, the faster your
    bankruptcy petition can be prepared. There will be a delay if we need to verify or obtain more information concerning
    a specific asset, debt or creditor; so please provide as much detail as you can and fill in ALL the information re-
    quested on these forms. Thank you for taking the time to be thorough and complete, resulting in faster turnaround.


    Name, First                                Middle (spell out)                    Last


    Social Security Number                                                           Date of Birth

    Street Address

    City                                       State                                 Zip

    County of Residence                        Length of Time at This Address

    Home Phone                                                  Other Phone

    Email address

    MAILING ADDRESS - If you would like any correspondence by the bankruptcy court to be sent to a
    different mailing address than the physical address you provided above (i.e, PO Box, etc.), please
    provide that address below:




                            INFORMATION ABOUT YOUR SPOUSE
    SPOUSE, First Name                         Middle (spell out)                    Last


    Social Security Number                                                           Date of Birth

    Address (if living separately)

    City                                       State                                 Zip


Have you resided in the same county for at least 180 days (6 months)?                                    † Yes     † No
If not, where have you resided?

Are you filing this bankruptcy petition with your spouse?                                                † Yes     † No
If “no” please check one:                           † Unmarried † Spouse filing separately † Other Reason
Have you filed bankruptcy within the last eight (8) years?                                               † Yes     † No
If “yes” provide date(s):
Have you met the Debt Counseling requirement for your state? Please check one of the choices below:

† Counseling not completed † Received counseling within the past 180 days † Request waiver

† Does not apply to my district

                                  Forms developed by Victoria Ring, 713Training.Com
                              INFORMATION FOR MEANS TEST
 † Means Test does NOT apply. Debtor(s) is a disabled veteran with debts incurred primarily during active duty
   or homeland defense.


                                            DEPENDENTS
    Name                                      Age           Relationship to You          Is this person/child
                                                                                         living with you?

    1.                                                                                     †     YES      †     NO
    2.                                                                                     †     YES      †     NO
    3.                                                                                     †     YES      †     NO
    4.                                                                                     †     YES      †     NO


                                     INCOME FOR SIX (6) MONTHS

Provide the total amount of earned income (from all sources) that you received for the current month and last five (5)
months - totaling six (6) months of income. DO NOT DEDUCT TAXES. The income you report below is NOT
TAKE-HOME PAY but the TOTAL INCOME YOU ACTUALLY EARNED BEFORE TAXES WERE DEDUCTED.

HUSBAND: Wages, salaries, tips, bonuses, overtime and commissions:

Current Month        Last Month         2 Months Ago       3 Months Ago           4 Months Ago          5 Months Ago



WIFE: Wages, salaries, tips, bonuses, overtime and commissions:

Current Month        Last Month         2 Months Ago       3 Months Ago           4 Months Ago          5 Months Ago



HUSBAND: Income from operation of business, profession or farm:

Current Month        Last Month         2 Months Ago       3 Months Ago           4 Months Ago          5 Months Ago



WIFE: Income from operation of business, profession or farm:

Current Month        Last Month         2 Months Ago       3 Months Ago           4 Months Ago          5 Months Ago



HUSBAND: Rents and other property income (not rent you paid, but rents paid to you):

Current Month        Last Month         2 Months Ago       3 Months Ago           4 Months Ago          5 Months Ago



                                                                                       CONTINUED ON NEXT PAGE
                                  Forms developed by Victoria Ring, 713Training.Com
                 INFORMATION FOR MEANS TEST CONTINUED

WIFE: Rents and other property income (not rent you paid, but rents paid to you):

Current Month     Last Month         2 Months Ago      3 Months Ago        4 Months Ago       5 Months Ago



HUSBAND: Interest income, dividends and royalties:

Current Month     Last Month         2 Months Ago      3 Months Ago        4 Months Ago       5 Months Ago



WIFE: Interest income, dividends and royalties:

Current Month     Last Month         2 Months Ago      3 Months Ago        4 Months Ago       5 Months Ago



HUSBAND: Pension and retirement income:

Current Month     Last Month         2 Months Ago      3 Months Ago        4 Months Ago       5 Months Ago



WIFE: Pension and retirement income:

Current Month     Last Month         2 Months Ago      3 Months Ago        4 Months Ago       5 Months Ago



HUSBAND: Income received from others who are not filing bankruptcy with you who contribute money to
the household expenses:

Current Month     Last Month         2 Months Ago      3 Months Ago        4 Months Ago       5 Months Ago



WIFE: Income received from others who are not filing bankruptcy with you who contribute money to the
household expenses:

Current Month     Last Month         2 Months Ago      3 Months Ago        4 Months Ago       5 Months Ago



HUSBAND: Unemployment compensation:

Current Month     Last Month         2 Months Ago      3 Months Ago        4 Months Ago       5 Months Ago




                                                                                   CONTINUED ON NEXT PAGE

                               Forms developed by Victoria Ring, 713Training.Com
                 INFORMATION FOR MEANS TEST CONTINUED

WIFE: Unemployment compensation:

Current Month      Last Month         2 Months Ago      3 Months Ago        4 Months Ago           5 Months Ago



HUSBAND: Income from other sources not provided for above:

Current Month      Last Month         2 Months Ago      3 Months Ago        4 Months Ago           5 Months Ago



WIFE: Income from other sources not provided for above:

Current Month      Last Month         2 Months Ago      3 Months Ago        4 Months Ago           5 Months Ago




                                        OTHER INFORMATION

Has either you or your spouse been known by any other name during the past 8 years?               † Yes   † No
(Example: maiden name, last name from previous marriage, legal name change, etc.)
If yes, write the NAME KNOWN AS and DATE(S) THIS NAME WAS USED below:

Name Used                                                            Dates Used            thru
Name Used                                                            Dates Used            thru


   Has your income significantly increased or decreased during the past six (6) months? If so, please provide
   details below:




                                Forms developed by Victoria Ring, 713Training.Com
   NOTICE: IF YOU OWN A MOBILE HOME,
      PLEASE FILL OUT NEXT PAGE                            YOUR REAL ESTATE
† Check this box if you have a homestead exemption that exceeds $125,000.00

PRINT OUT ADDITIONAL PAGES FOR EVERY SEPARATE PIECE OF REAL ESTATE THAT YOU OWN.
Check the type of real estate you own: † House † Condominium † Vacant Lot              † Other
Name(s) on Deed
Address of Real Estate
Description of Real Estate: (example: 1,250 square foot home with 2 bedrooms, 2 baths, attached 2-car garage
situated on 2 acres of ground with outbuildings.)


Name of Mortgage Company
Address
City                                                   State                     Zip
Account Number                                         Date obtained this mortgage?
What are the monthly payments? $                 What is the pay-off amount on this mortgage?   $
Are you behind in payments? † YES † NO If so, what months?
What interest rate do you pay?          %        Amount to catch up back payments?     $
What year was your real estate last appraised?            What was the appraised value?     $
Do you have a second mortgage on the real estate? † YES † NO               Intention: † KEEP † SURRENDER


                     SECOND MORTGAGE INFORMATION (IF APPLICABLE)

Name of Mortgage Company
Address
City                                                   State                     Zip
Account Number                                         Date obtained this mortgage?
What are the monthly payments? $                 What is the pay-off amount on this mortgage? $
Are you behind in payments? † YES † NO If so, what months?
What interest rate do you pay?          %        Amount to catch up back payments?     $


                          COLLECTION INFORMATION (IF APPLICABLE)

Name of Collector or Attorney
Address
City                                                   State                     Zip
Is this real estate in the process of foreclosure or replevin action? † YES          † NO
If in collection, please provide a copy of the court documents you were served.

                                 Forms developed by Victoria Ring, 713Training.Com
  † Check this box if you have a homestead
  exemption that exceeds $125,000.00              YOUR MOBILE HOME
PRINT OUT ADDITIONAL PAGES FOR EVERY MOBILE HOMES THAT YOU OWN.
Name(s) on Title
Address of Mobile Home
Are the wheels completely removed from your mobile home and it is attached to the ground? † YES † NO
Does your mobile home sit in a mobile home park? † YES † NO What is the monthly lot rent?          $
Does your mobile home sit on a piece of ground you own? † YES † NO Size of ground
Do you make separate payments for the ground your mobile home sits on?
If so, explain:
If you own the ground free and clear, what is the resell value for this piece of ground?
Description of Mobile Home: (example: 28x40 doublewide, 2 bedrooms, 1 bath, on wheels with skirting and steps
and 1 outbuilding shed, situated in mobile home park.)


Name of Mortgage Company
Address
City                                                   State                      Zip
Account Number                                         Date obtained this mortgage?
What are the monthly payments? $                What is the pay-off amount on this mortgage? $
Are you behind in payments? † YES † NO If so, what months?
What interest rate do you pay?          %       Amount to catch up back payments?       $
What year was your mobile home last appraised?                 What was the appraised value?   $
Do you have a second mortgage on this mobile home? † YES                † NO
                     SECOND MORTGAGE INFORMATION (IF APPLICABLE)
Name of Mortgage Company
Address
City                                                   State                      Zip
Account Number                                         Date obtained this mortgage?
What are the monthly payments? $                What is the pay-off amount on this mortgage? $
Are you behind in payments? † YES † NO If so, what months?
What interest rate do you pay?          %       Amount to catch up back payments?       $

                          COLLECTION INFORMATION (IF APPLICABLE)
Name of Collector or Attorney
Address
City                                                   State                      Zip
If in collection, please provide a copy of the court documents you were served.

                                 Forms developed by Victoria Ring, 713Training.Com
                YOUR HOUSEHOLD INVENTORY
Please check the items below that you currently have in your home. Then, provide the YARD SALE VALUE of each item --
NOT the replacement cost.
                                      Yard Sale Value        † Paintings/Art              $ ________________
                                                               Describe item(s): __________________________
†   Stove/Cooking Unit           $ ________________            ________________________________________
†   Refrigerator                 $ ________________          † Carpenters Tools           $ ________________
†   Washer/Dryer                 $ ________________            Describe item(s): __________________________
†   Microwave                    $ ________________            ________________________________________
†   Cooking Utensils             $ ________________          † Mechanics Tools            $ ________________
†   Silverware/Flatware          $ ________________            Describe item(s): __________________________
†   Cookware (Pots/Pans)         $ ________________            ________________________________________
†   Living Room Furniture        $ ________________          † Guns and Firearms          $ ________________
†   Dining Room Furniture        $ ________________            Describe item(s): __________________________
†   Tables and Chairs            $ ________________            ________________________________________
†   Televisions(s)               $ ________________          † Lawnmower                  $ ________________
†   VCR(s)                       $ ________________          † Boats                      $ ________________
†   DVD(s)                       $ ________________          † Trailers                   $ ________________
†   Compact Disks                $ ________________          † Campers                    $ ________________
†   All Other Stereo Equipment $ ________________            † Yard Tools/Equipment       $ ________________
    Describe item(s): __________________________             † Swimming Pool              $ ________________
    ________________________________________                 † Cell Phones                $ ________________
†   Bedroom Furniture            $ ________________
†   Dressers/Nightstands         $ ________________                              OTHER ASSETS
†   Lamps and Accessories        $ ________________          †   Rent deposit with landlord $ ________________
†   Wedding Rings                $ ________________              Name of Landlord _________________________
†   Other Jewelry/Watches $ ________________                     Address _________________________________
    Describe item(s): __________________________                 City _____________State _____ Zip __________
    ________________________________________                 †   Government Bonds           $ ________________
†   Furs                         $ ________________          †   Certificate of Deposits    $ ________________
†   Computer(s)                  $ ________________          †   Copyrights/Patents         $ ________________
†   Computer Printers            $ ________________          †   Aircraft                   $ ________________
†   Desks/Office Furniture       $ ________________          †   Interests in education IRA $ ________________
†   Other Computer Equipment $ ________________              †   Customer lists             $ ________________
    Describe item(s): __________________________             †   ____________________       $ ________________
    ________________________________________                 †   ____________________       $ ________________
†   Photography Equipment        $ ________________          †   ____________________       $ ________________
†   Satellite Disks              $ ________________          †   ____________________       $ ________________
†   All Clothing                 $ ________________          †   ____________________       $ ________________
    (including shoes, coats, hats, etc.)                     †   ____________________       $ ________________
†   Collectibles                 $ ________________          †   ____________________       $ ________________
    Describe item(s): __________________________             †   ____________________       $ ________________

                                 Forms developed by Victoria Ring, 713Training.Com
                            YOUR MOTOR VEHICLES
Motor vehicles include cars, trucks, SUV’s, motorcycles, mobile homes, boats, trailers, campers, etc. that are
TITLED IN YOU (OR YOUR SPOUSE’S NAME) Print out more sheets if you own more than 2 vehicles.

Type: † Automobile       † Truck    † Motorcycle       † Mobile Home (Title Only)    † Other:

Year              Make                               Model              Style                   † 2dr † 4dr † Other

Condition † Excellent       † Good     † Fair    † Poor      † Not Running           Mileage

Name(s) on vehicle title?

Is vehicle leased? † YES † NO If yes, what is the “buy out” on the lease?

Name of company you make payments to for this vehicle:

Address

City                                                         State                              Zip

Account Number                                               Date Established Loan

Monthly Payment    $                   How many months are you behind in payments?

What is the “pay off” amount on this vehicle?    $                           Check one: † Keep         † Surrender

Have you went to a loan company and listed this vehicle as collateral for a personal loan?            † YES † NO

If so, name of loan company for personal loan:



Type: † Automobile       † Truck    † Motorcycle       † Mobile Home (Title Only)    † Other:

Year              Make                               Model              Style                   † 2dr † 4dr † Other

Condition † Excellent       † Good     † Fair    † Poor      † Not Running           Mileage

Name(s) on vehicle title?

Is vehicle leased? † YES † NO If yes, what is the “buy out” on the lease?

Name of company you make payments to for this vehicle:

Address

City                                                         State                              Zip

Account Number                                               Date Established Loan

Monthly Payment    $                   How many months are you behind in payments?

What is the “pay off” amount on this vehicle?    $                           Check one: † Keep         † Surrender

Have you went to a loan company and listed this vehicle as collateral for a personal loan?            † YES † NO

If so, name of loan company for personal loan:


                                   Forms developed by Victoria Ring, 713Training.Com
                                       DEBT SHEET 1 OF 5
z PRINT OUT MORE PAGES IF YOU HAVE MORE THAN 15 TOTAL DEBTS.
z DO NOT JUST LIST DEBTS YOU WANT TO INCLUDE -- BUT EVERY DEBT YOU OWE, EVEN LOAN
  FROM RELATIVES

Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency?       † YES        † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip


Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency?       † YES        † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip

Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency? † YES † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip

                                 Forms developed by Victoria Ring, 713Training.Com
                                       DEBT SHEET 2 OF 5
z PRINT OUT MORE PAGES IF YOU HAVE MORE THAN 15 TOTAL DEBTS.
z DO NOT JUST LIST DEBTS YOU WANT TO INCLUDE -- BUT EVERY DEBT YOU OWE, EVEN LOAN
  FROM RELATIVES

Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency?       † YES        † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip


Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency?       † YES        † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip

Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency? † YES † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip

                                 Forms developed by Victoria Ring, 713Training.Com
                                       DEBT SHEET 3 OF 5
z PRINT OUT MORE PAGES IF YOU HAVE MORE THAN 15 TOTAL DEBTS.
z DO NOT JUST LIST DEBTS YOU WANT TO INCLUDE -- BUT EVERY DEBT YOU OWE, EVEN LOAN
  FROM RELATIVES

Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency?       † YES        † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip


Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency?       † YES        † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip

Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency? † YES † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip

                                 Forms developed by Victoria Ring, 713Training.Com
                                       DEBT SHEET 4 OF 5
z PRINT OUT MORE PAGES IF YOU HAVE MORE THAN 15 TOTAL DEBTS.
z DO NOT JUST LIST DEBTS YOU WANT TO INCLUDE -- BUT EVERY DEBT YOU OWE, EVEN LOAN
  FROM RELATIVES

Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency?       † YES        † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip


Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency?       † YES        † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip

Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency? † YES † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip

                                 Forms developed by Victoria Ring, 713Training.Com
                                       DEBT SHEET 5 OF 5
z PRINT OUT MORE PAGES IF YOU HAVE MORE THAN 15 TOTAL DEBTS.
z DO NOT JUST LIST DEBTS YOU WANT TO INCLUDE -- BUT EVERY DEBT YOU OWE, EVEN LOAN
  FROM RELATIVES

Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency?       † YES        † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip


Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency?       † YES        † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip

Name of Creditor
Address
City                                                       State                       Zip
Total amount you owe on this debt                          Account No:
Date (or year) you originally obtained this debt or established credit:
If this debt is for a credit card, what date (or year) did you last make a purchase?
What is this debt for? † Medical † Credit Card † Loan † Other
Who is financially responsible for this debt? † HUSBAND † WIFE † BOTH † OTHER
Has this debt been turned over to a collection agency? † YES † NO
Name of collection agency or law firm
Address
City                                                       State                       Zip

                                 Forms developed by Victoria Ring, 713Training.Com
                                INCOME HISTORY FOR YOU
Your Name as listed on your current paycheck stub:
Year-to-Date Total for this current year?
VERY IMPORTANT:            Gross Income last year                              Gross Income 2 Yrs Ago
Employer’s Name
Address
City, State, Zip
Telephone Number
Length of Time at This Job?                            Years                   Months
Job Title (do not abbreviate)
How often do you get paid? (circle or check one)
       † every week                    † bi-weekly (sometimes I get paid 3 times a month                † once a month
      † semi-monthly (on the same 2 days of each month)
What is your “average” gross wages before deductions?
How much “average” extra money do you receive in overtime and commissions per pay period?
What is the total amount of taxes deducted (FICA, Federal, State, Local) from your paycheck?
How much Insurance is deducted from your paycheck?                          How much in Union Dues?
How much do you pay in Alimony or Child Support if any?                  Are you court ordered to pay this?   † YES † NO
Are there any other deductions from your paycheck?      † YES † NO If yes, how much?
What is this “other” deduction for?                           If 401K Plan, how long have you participated?
How much additional income do you make monthly from a business, flea market, etc?
Monthly Income from real property (rentals)                         Monthly Interests and Dividends
Monthly Alimony or Child Support received                           Monthly Social Security
Monthly Government Assistance                                       Monthly Food Stamps
Monthly Public Assistance                                           Monthly Pension or Retirement
Other Income (Reason and amount received monthly)?


Do you have a second job?       † YES      † NO    If yes, name of employer:
Address
City, State, Zip
Telephone Number
Length of Time at This Job?                       Job Title
How often do you get paid? (check one)
       † every week                    † bi-weekly (sometimes I get paid 3 times a month                † once a month
      † semi-monthly (on the same 2 days of each month)
What is your “average” gross wages before deductions?
Do you receive any income from a home-based business?          † YES       † NO      How much per month?



                                      Forms developed by Victoria Ring, 713Training.Com
                         INCOME HISTORY FOR YOUR SPOUSE
Your Name as listed on your current paycheck stub:
Year-to-Date Total for this current year?
VERY IMPORTANT:            Gross Income last year                              Gross Income 2 Yrs Ago
Employer’s Name
Address
City, State, Zip
Telephone Number
Length of Time at This Job?                            Years                   Months
Job Title (do not abbreviate)
How often do you get paid? (circle or check one)
       † every week                    † bi-weekly (sometimes I get paid 3 times a month                † once a month
      † semi-monthly (on the same 2 days of each month)
What is your “average” gross wages before deductions?
How much “average” extra money do you receive in overtime and commissions per pay period?
What is the total amount of taxes deducted (FICA, Federal, State, Local) from your paycheck?
How much Insurance is deducted from your paycheck?                          How much in Union Dues?
How much do you pay in Alimony or Child Support if any?                  Are you court ordered to pay this?   † YES † NO
Are there any other deductions from your paycheck?      † YES † NO If yes, how much?
What is this “other” deduction for?                           If 401K Plan, how long have you participated?
How much additional income do you make monthly from a business, flea market, etc?
Monthly Income from real property (rentals)                         Monthly Interests and Dividends
Monthly Alimony or Child Support received                           Monthly Social Security
Monthly Government Assistance                                       Monthly Food Stamps
Monthly Public Assistance                                           Monthly Pension or Retirement
Other Income (Reason and amount received monthly)?


Do you have a second job?       † YES      † NO    If yes, name of employer:
Address
City, State, Zip
Telephone Number
Length of Time at This Job?                       Job Title
How often do you get paid? (check one)
       † every week                    † bi-weekly (sometimes I get paid 3 times a month                † once a month
      † semi-monthly (on the same 2 days of each month)
What is your “average” gross wages before deductions?
Do you receive any income from a home-based business?          † YES       † NO      How much per month?




                                      Forms developed by Victoria Ring, 713Training.Com
                   SELF-EMPLOYED BUSINESS OWNERS
If you have been self-employed during the past 12 months, please list below the normal income and expenses
your business generated for an average month. If you did not have an average monthly income due to extreme
highs and lows in your business, estimate your total yearly income and divide by 12 to get the average monthly
income. Use the same method of determining your average monthly expenses and enter those figures into the
spaces below:


        Average monthly business income                                       $
        Did you withhold any earnings for tax purposes? † Yes † No

            If yes, how much did you withhold monthly?                        $
            Average monthly business expenses (if applicable)

                Rent and utilities                                            $
                Office Supplies                                               $
                Product Supplies                                              $
                Wages                                                         $
                Equipment Leases                                              $
                Other Business Leases                                         $
                Other                                                         $
                Other                                                         $
                Other                                                         $
                Other                                                         $
                Other                                                         $
                Other                                                         $
                Other                                                         $
                Other                                                         $
        Total Average Monthly Income                                          $
        Total Average Monthly Expenses                                        $
        Average Monthly Business Profit                                       $
        Did you file income taxes for the years you operated your business? † Yes † No

        If not, what years did you NOT file taxes?


                                  Forms developed by Victoria Ring, 713Training.Com
                                          MONTHLY BUDGET
This form is necessary to determine how much you spend each month on living expenses. Be sure to write in the
MONTHLY (not yearly) amounts in the spaces below each expenditure. For utilities, your bill may be higher in the
winter than in the summer, so write an amount that is “average” covering the whole 12 month period.

Housing Expenses                                            Taxes
Rent (if you do not own your home)         $_________       Are any other taxes deducted from your wages? If so,
First Mortgage payment or mobile                            what type of taxes are they?             $_________
home monthly payment                       $_________
Second mortgage (if applicable)            $_________       Other Expenses

Third mortgage (if applicable)             $_________       Alimony or Child Support                   $_________
                                                            Payments for someone outside
Lot Payment (if applicable)                $_________       your home                                  $_________
Are real estate taxes included in
                                                            Union Dues (not payroll deducted)          $_________
your mortgage payment?        † Yes        † No
Taxes not included in house payment        $_________       Professional Dues (not payroll deducted) $_________
Is your home insurance included in                          Child Care Expenses                        $_________
your mortgage payment?           † Yes     † No             Babysitter/Day Care Expenses               $_________
Insurance not included in house payment $_________          School Expenses                            $_________
Utilities (Normal Monthly Average)                          School Lunch Expenses                      $_________
Electricity and Gas                        $_________       College Tuition (Not Loans)                $_________
Water                                      $_________       Student Loan Repayment                     $_________
Telephone (Basic Service)                  $_________       Newspapers, Books, Magazines               $_________
Trash Pick-Up                              $_________       Personal Care Items                        $_________
Basic Needs                                                 Other                                      $_________
Home Maintenance (home owners)             $_________       Other                                      $_________
Food (Monthly)                             $_________
                                                            Use the space below to describe any additional
Clothing (Monthly Expense)                 $_________       monthly expenses that you must pay out of your
Laundry, dry cleaning, soap, etc.          $_________       pocket that are not covered here. Explain the type of
                                                            expense, amount of expense and how long you will
Medical expenses not paid by insurance     $_________       continue to have this expense:
Transportation
Gasoline/auto maintenance                  $_________
Recreation, Entertainment                  $_________
Charitable Giving (if claimed on taxes)    $_________
Insurance
Renters Insurance                          $_________
Life Insurance (other than employer)       $_________
Health Insurance (other than employer)     $_________
Automobile Insurance                       $_________
Other Insurance                            $_________



                                  Forms developed by Victoria Ring, 713Training.Com
                         STATEMENT OF AFFAIRS (1 of 11)
The following pages contain extremely IMPORTANT QUESTIONS, many of which will be asked you again by the
Trustee when you attend your first hearing. Please take your time and go through every question thoroughly and
provide as much detail as possible to the questions you answer “yes” to.

List the names of all spouses (past and present) that you have been married to, as well as the dates you
were married to this spouse:
Full Name (First, Middle, Last)
Dates Married:                From                             To
Full Name (First, Middle, Last)
Dates Married:                From                             To
Full Name (First, Middle, Last)
Dates Married:                From                             To
Full Name (First, Middle, Last)
Dates Married:                From                             To


Have you ever provided a notice to any governmental unit of a
Release of Hazardous Materials?                                                                      † Yes † No
If so, list the name and address of every site for which you have provided notice to a governmental unit of a release of
Hazardous Material. Indicate the governmental unit to which the notice was sent and the date of the notice.
Name/Address of Site
Governmental Unit Notice Sent To
Date Notice Sent to Governmental Unit


Do you share the ownership of any real property with another person, such as
a co-tenancy or joint tenancy? (This does not apply to your spouse.)                                  † Yes     † No
Name of person

Do you have a future interest in any real estate, such as putting money
down on a property you have not purchased yet?                                                        † Yes     † No
If so, provide details:

Do you own or are you buying a time-share in a vacation property or resort?                           † Yes     † No
If so, provide details:

Do you have a car, truck, motorcycle, boat or camper in your possession titled
in someone else’s name?                                                                               † Yes     † No
Year, Make, Model of Vehicle
Whose name is the motor vehicle titled to?
Address
City                                                          State                  Zip
What is this person’s relationship to you?
Why are you holding this property?



                                  Forms developed by Victoria Ring, 713Training.Com
                          STATEMENT OF AFFAIRS (2 of 11)
Are you buying any of your furniture or appliances with installment payments?                       † Yes   † No
Description of Item(s)
1.                                                                                Yard Sale Value
2.                                                                                Yard Sale Value
3.                                                                                Yard Sale Value
Name of company you make installment payments to:
** MAKE SURE TO LIST THESE DEBTS ON THE DEBT SHEETS.


Are you renting-to-own any of your furniture or appliances?                                         † Yes   † No
Description of Item(s)
1.                                                                                Yard Sale Value
2.                                                                                Yard Sale Value
3.                                                                                Yard Sale Value
Name of company you make installment payments to:
** MAKE SURE TO LIST THES DEBTS ON THE DEBT SHEETS.


Have you gone to a loan company or bank and listed any of your furniture,
appliances or personal possessions at the time you obtained the loan?                               † Yes   † No
Description of Item(s)
1.                                                                                Yard Sale Value
2.                                                                                Yard Sale Value
3.                                                                                Yard Sale Value
Name of company you make installment payments to:
** MAKE SURE TO LIST THES DEBTS ON THE DEBT SHEETS.


Do you own or are you buying any tools or equipment that you use for your work?                     † Yes   † No
Description of Item(s):
Value of the item if sold at a flea market or yard sale:
If making payments on, who do you pay?
** MAKE SURE TO LIST THESE DEBTS ON THE DEBT SHEETS


At present, do you have any inventory (stock in trade) that could be sold for
$200 or more in profit?                                                                             † Yes   † No
Description of Item(s)
Value of the item if sold at a flea market or yard sale



                                  Forms developed by Victoria Ring, 713Training.Com
                           STATEMENT OF AFFAIRS (3 of 11)
Are you buying any jewelry with installment payments?                                             † Yes   † No
Description of Item(s)
1.                                                                              Yard Sale Value
2.                                                                              Yard Sale Value
3.                                                                              Yard Sale Value
Name of company you make installment payments to:
** MAKE SURE TO LIST THESE DEBTS ON THE DEBT SHEETS.


Do you have any animals, livestock or pets you could sell for $200 or more?                       † Yes   † No
Description of Animal(s)
Value of the animals if you had to sell them


Do you have any checking or savings account(s) at this time?                                      † Yes   † No
Name of Bank
Address of Branch:
City                                                      State                 Zip
Type of account: Checking, Savings or Both?
Name(s) on the Account
Account Number for Checking                                             Present Balance
Account Number for Savings (if applicable)                              Present Balance
Name of Second Bank (if applicable)
Address of Branch:
City                                                      State                 Zip
Type of account: Checking, Savings or Both?
Name(s) on the Account
Account Number                                                          Present Balance


Have you closed any bank accounts within the past two (2) years?                                  † Yes   † No
Name of Bank
Address of Bank
City                                                      State                 Zip
Account Number                           Date Closed              Name on Account
Did you owe a balance when you closed this account? † Yes † No         Balance owed:
If you did not owe a balance when you closed this account, how much money did you receive?


                                Forms developed by Victoria Ring, 713Training.Com
                          STATEMENT OF AFFAIRS (4 of 11)
Do you or have you rented a safe deposit box during the past two (2) years?                          † Yes    † No
Name of Financial Institution
Address of Financial Institution
City                                                           State                 Zip
What are the contents of the safe deposit box?


What monthly amount do you pay for rental of this deposit box?
If you no longer have the safe deposit box, what date/year did you surrender it?
If you transferred the safe deposit box, who did you transfer it to?


Do you have a Christmas Club Account or any other special purpose accounts?                          † Yes    † No
Name of Financial Institution
Address
City                                                           State                 Zip
Type of account:                                              Account Number
Name(s) on the Account                                                 Present Balance


Do you currently have any security deposits being held by a utility company?                         † Yes    † No
If yes, what is the amount?                          Name of Utility Company:
Address of Utility Company
City                                                           State                 Zip
Account Number                                                         Present Balance
** Remember to include any past-due utility bills that you owe from previous addresses on your Debt Sheets.

Do you have any life insurance?                                                                      † Yes    † No
Name of Insurance Company
If a “whole life” policy -- what is the current cash value?
If your life insurance is only payable upon death, what is the face value of the policy?
Who is the beneficiary?                                                          Relationship
** If you have other life insurance policies, please list the information above for each one on BACK of this page.


Do you or your spouse participate in a retirement, 401K or pension plan?                             † Yes    † No
Type of pension plan (i.e., 401-K, PERS, etc.)
When did you first enroll in this plan?                                   Current cash value:




                                   Forms developed by Victoria Ring, 713Training.Com
                          STATEMENT OF AFFAIRS (5 of 11)
Have you set up your own separate retirement not provided by employer?                               † Yes   † No
Name of Financial Institution (if applicable)
Amount in this separate retirement account?                        Who is the beneficiary?


Will you be receiving retirement benefits from a previous employer within the
next six (6) months?                                                                                 † Yes   † No
Date you expect to start receiving retirement benefits:


Do you have any stocks, bonds (including savings bonds) or mutual funds?                             † Yes   † No
Type of bond, stock, mutual fund:
Does this bond, stock or mutual fund have a cash value? † Yes † No Cash value:


Do you have a cell phone?                                                                            † Yes   † No
Name of cell phone company
Address
City                                                             State                  Zip
Account Number                                                    Date contract began
Is this a month-to-month contract?              † Yes   † No
If not, what is the length of the contract? † 1 year       † 2 years      † 3 years      † Other:
What is the normal monthly contract payment? (i.e.: $19.95, $29.95, etc)
Do you wish to keep the cell phone and continue paying the monthly contract?                         † Yes   † No
** If you have more than one cell phone, list the same information above on the BACK of this page.


Do you live with a roommate/relative that pays part of your expenses?                                † Yes   † No
Name of roommate or relative:                                                 Relationship?
What expenses do they pay?


What is the total amount they contribute on a monthly basis to your living expenses?
How long have they been paying this amount?               From                    To


Do relatives or other parties help to pay part or all of your monthly expenses?                      † Yes   † No
Name of relatives providing additional support:
Relationship of this relative to you:
What is the total amount they contribute on a monthly basis to your living expenses?
How long have they been paying this amount?               From                    To


                                  Forms developed by Victoria Ring, 713Training.Com
                          STATEMENT OF AFFAIRS (6 of 11)
Are you currently attending college?                                                                 † Yes   † No
Name of college
Anticipated graduation date                                         Major of Study


Do you have a student loan?                                                                          † Yes   † No
Name of institution you will make payments to:
Address
City                                                        State                    Zip
Date student loan first obtained?                                   Date payment is/was to begin:
Total amount to pay off student loan                                Average monthly payment


Do you currently owe any fines? (includes parking tickets, moving violations, etc)                   † Yes   † No
Name of court you owe fines to
Address
City                                                        State                    Zip
Date of occurrence                                             Amount owed
Case number assigned by court                                  Name of party † Husband † Wife † Other
What was this fine for?


If you pay child support, are you currently behind in any payments?                                  † Yes   † No
Name of person/agency you pay child support to
Address
City                                                        State                    Zip
What is the total amount you owe in back child support?
What date (or year) were you supposed to start paying child support?
If so, what are the payment arrangements?


Even if you never expect to collect any money, does an ex-spouse owe you
money for alimony or child support?                                                                  † Yes   † No
Name of Ex-Spouse
Address of Ex-Spouse
City                                                        State                    Zip
Total amount he/she owes you                              Date originally started owing you
Has this ex-spouse been court ordered to pay you?                             Year of court order?




                                 Forms developed by Victoria Ring, 713Training.Com
                          STATEMENT OF AFFAIRS (7 of 11)
Over the last year, have you, your children or your spouse been involved in
an accident where someone was hurt, for example, a car accident?                                   † Yes   † No
Date accident occurred                            Who was at fault?
Who was involved in the accident?
Was any insurance money received? † Yes † No If yes, how much?


During the next six (6) months, do you expect to inherit anything?                                 † Yes   † No
How much do you expect to inherit?                                            Date expected
Reasons for inheritance


During the next six (6) months, do you expect to recover on
anyone’s life insurance policy?                                                                    † Yes   † No
How much do you expect to receive?                                            Date expected
Reasons for receiving this money:


Do you expect to receive any money from any insurance claim,
for any reason, during the next six (6) months?                                                    † Yes   † No
How much do you expect to receive?                                            Date expected
Reasons for receiving this money:


Are you the beneficiary of a trust fund?                                                           † Yes   † No
What is the amount of the trust fund?                  Name of trust fund owner
Relationship to you:                             When will you have access to this trust fund?


Are you owed any back wages, commissions, or vacation
pay from your current or previous employer?                                                        † Yes   † No
Employer Name
Amount expected to receive                                         Date expected to receive
** Provide details about this amount owed you. (Feel free to use the back of this page if necessary)


Is any of your property in the hands of a repairman, storage
company or pawnbroker?                                                                             † Yes   † No
Name of Place Holding Your Property
Address
City                                                       State                  Zip
Description of Items and yard sale value:
1.                                                                        Yard Sale Value



                                Forms developed by Victoria Ring, 713Training.Com
                         STATEMENT OF AFFAIRS (8 of 11)
2.                                                                           Yard Sale Value
3.                                                                           Yard Sale Value
What is the total amount you need to pay in order to get these items released?


In the near future, do you expect to settle, win or begin a case for personal injury?               † Yes   † No
How much do you expect to receive?                             Date you expect to receive this money?
Provide details about this personal injury claim:
Name of attorney or law firm handling this claim?


In the near future, do you expect to enter into any property settlement
with a former spouse?                                                                               † Yes   † No
List all items you expect to receive or turn over in the property settlement (including cash):


What is the total market value (yard sale value) of these items?
When do you expect to receive this money or property? or
When do you expect to turn over this cash or property?


Does anyone owe you any money for a judgment you have obtained against them?                        † Yes   † No
Name of party you filed a lawsuit on
Address
City                                                          State                  Zip
Date you filed this lawsuit?                        Money amount awarded you in judgment:


Even if you never expect to collect, does anyone owe you
any money for any reason whatsoever?                                                                † Yes   † No
Name of Person who owes you money
Address
City                                                          State                  Zip
Explain why they owe you money:
Amount they owe you                                 Date they originally started owing you


Have you made any payments on your loans or bills other than ordinary payments? In other words, have
you made catch-up payments, paid off or borrowed to pay on or off bills or loans?     † Yes † No
Name of Creditor You Paid
Date Paid                                     Amount Paid                           Current Balance Due
Name of Creditor You Paid
Date Paid                                     Amount Paid                           Current Balance Due

                                 Forms developed by Victoria Ring, 713Training.Com
                          STATEMENT OF AFFAIRS (9 of 11)
Are there any lawsuits pending against you now?                                                    † Yes   † No
Name of party suing you (Plaintiff)?
Case Number                                                         Date Lawsuit Filed
Type of Lawsuit From Court Pleading (Complaint, Summons, etc.)
Attorney for the Plaintiff (found on court pleading):
Address
City                                                        State                   Zip
Court when lawsuit was filed (at the top of the pleading)
Address
City                                                        State                   Zip
** If lawsuit is LESS THAN 1 YEAR OLD, please make a copy and include with these forms


Have your wages or property been garnisheed or attached?                                           † Yes   † No
Who garnisheed your wages or attached your property?
When item did they repossess? (If car, provide the year, make, model)
How much money do they take from your paycheck?                          How often is this deducted?


Have you returned any property to creditors or was any of your property repossessed from you, sold at
foreclosure, transferred through a deed or returned to a seller?                        † Yes † No
What property did you turn over to a receiver?
When and where did this take place?


Is any of your property in receivership or other legal custody?                                    † Yes   † No
When did you file your receivership?
In what court was this done?


Have you made any gifts to friends or relatives?                                                   † Yes   † No
What gifts or transfers have you made?
Who did you give the gift to?
What date/year did you make the gift?                       What is the approximate value?


Have you transferred any money or property to family members or
friends or paid them any money on debts you might owe them?                                        † Yes   † No
Type of property transferred:
What date/year was it transferred?                            What is the approximate value?



                                  Forms developed by Victoria Ring, 713Training.Com
                          STATEMENT OF AFFAIRS (10 of 11)
Have you have any unusual losses, such as fire, theft, gambling or otherwise?                         † Yes   † No
Type of loss?    † Fire      † Theft    † Gambling       † Other:
What item(s) or amount of money was lost?
What date/year was it lost?                                         Amount insurance paid?


Have you had any losses covered by insurance?                                                         † Yes   † No
Describe loss:
Date/year of loss?                                                  Amount insurance paid?


Have you consulted with any other attorney about your financial affairs or
paid money to a debt counseling service?                                                              † Yes   † No
Name of attorney or service
Address
City                                                        State                     Zip
Consultation Date                                                   Total paid for service


Have you filed any bankruptcy within the last eight (8) years?                                        † Yes   † No
Did you file a Chapter 7, Chapter 13, or a Chapter 11?
Date your bankruptcy was filed?                                     City, State Filed?
Name(s) of persons who filed?
Was the case discharged?        † Yes   † No      Case Number


Is anyone holding any property that belongs to you?                                                   † Yes   † No
Item(s) in someone else’s possession that belong to you?


Name of person holding these items:
Address
City                                                        State                     Zip


Beside your current address, have you lived at any other
addresses within the past six (6) years?                                                              † Yes   † No
Previous Address lived at:
City                                                        State                     Zip
Time period lived at this address: From (date/year)                                  To (date/year)
Name(s) of parties who lived at this address:



                                  Forms developed by Victoria Ring, 713Training.Com
                         STATEMENT OF AFFAIRS (11 of 11)
Previous Address lived at:
City                                                       State                     Zip
Time period lived at this address: From (date/year)                              To (date/year)
Name(s) of parties who lived at this address:


Previous Address lived at:
City                                                       State                     Zip
Time period lived at this address: From (date/year)                              To (date/year)
Name(s) of parties who lived at this address:


Have you been self-employed or had any financial interest in any business (or been involved in a
partnership with someone who owned a business) within the past eight (8) years?          † Yes † No
Name of business
Business address
Type of business (what type of products were sold)?
Date business began                                            Date business ended
Name of your partners, co-investors, or associates?
What were your net profits for this year?                Last year?                        2 Yrs Ago?
How much income tax do you pay from the income you make with your business?


During the past two (2) years, have either you or your spouse had any other income source outside
normal pay from your employer? (includes flea market dealers)                            † Yes † No
Income this year?                                 Last year?                         2 Yrs Ago?


What is the amount of the TAX REFUND you received this year?
† I did not file taxes † I had to pay taxes and did not receive a refund


By signing below, I state that all the information provided in the these Client Intake Forms are
true, accurate and complete to the best of my (our) knowledge.



Signature of Debtor #1                                      Signature of Debtor #2

Date:                                                       Date:




                                 Forms developed by Victoria Ring, 713Training.Com

				
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Description: For debtor bankruptcy law firms. Contains Attorney Retainer Agreement, 2 Page Checklist for Client Documentation, Client Intake Forms and a complete overview of training options for your law firm and staff.