How to Start the Bankruptcy Process

Once you determine that bankruptcy is, in fact, the best debt relief option for you, you need to begin the process of filing bankruptcy. When you contact our office and work with attorney Thomas J. Tomko, he will review your individual situation with you to determine what chapter you may qualify for.

What is the first step to getting out of debt? Schedule your appointment at our office and complete our bankruptcy questionnaire.

What Do I Need?

It is not necessary that you have everything in the questionnaire for your initial meeting with a lawyer at our office, however, the more you have, the better we can advise you.

Do your best to gather financial documents and information about your debts such as:

  • For each unsecured debt, you need:
    • Name of creditor
    • Address
    • Account number
    • Amount of debt
  • For each secured debt, you need:
    • Name of creditor
    • Address account number
    • Proof of secured interest (for home: mortgage; for car, car title, etc.)
    • Account number
    • Amount of debt
    • Value of the secured property
  • For judgments or lawsuits, you need:
    • Court case name
    • Case number
    • Court name and address
    • Date of complaint or judgment
    • Amount of claim
  • Your income
    • Copies of your last two months pay stubs
    • Copies of your last two years tax returns

We look forward to working with you. Contact our office to arrange a free initial consultation. We handle cases for people in Macomb County, Clinton Township, Sterling Heights and the surrounding cities and counties in Michigan.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.