Please bring the following items to your appointment:
1. One recent bill from each creditor (organized and out of the envelopes), any pending lawsuit documentation, and credit report. In the event that you do not have this information, a list of all creditors that you owe, including name, address, account number and most recent balance.
2. All letters, especially duplicates, you have received from collection agencies and/or law firms;
3. Your pay stubs for any form of household income received during the last six months;
4. A list of your monthly living expenses;
5. If applicable, the most recent mortgage and/or car finance statement showing mortgage/car finance company name, address, account number, and balance;
6. If you are a real estate property owner, a market analysis for your home, which can be obtained for FREE from any local realtor, or an appraisal of your property, done within the last twelve months;
7. Funds to hire us if you make that decision at the consultation (cash or check accepted).
We will be discussing your assets, budget, and debts. More importantly, we will be discussing how we can help you stop creditor harassment and how we can help you manage, eliminate, and/or consolidate your debt and ultimately gain control over your financial situation.
In the event that you do not have any of the above information, please keep your appointment and we will make arrangements with you to get the information at a later date.