***BRING A COPY OF THE MOST RECENT BILLS***

Make a list of the Name, Address, Account Number and amount that you owe EVERYONE not just the people you want to bankrupt. Bring a copy of the most recent bill, payment book, or statement. Make sure you list check cashing places and title loans as well.

Your last 6 months pay stubs, INCLUDING THE LAST 2 WEEKS, or income for the previous 6 months with deductions for taxes and other payroll deductions from your current employer or past employer.

Call and get the balance, the number of months remaining on loan, and the interest rate for all secured debts. If you have any co signers on notes or you are a co signer for anyone you must list them.

If you have been sued we need the docket number, who sued you, and the name of the attorney. Are you being garnished? If you have gotten divorced IN THE LAST 10 YEARS bring a copy of the DIVORCE DECREE.

Bring your tax returns for the past two years, and six months of your most recent bank statement for checking and/or savings accounts.

Property tax card on house and land if property is not in Tennessee.

Bring your auto insurance policy or the auto insurance declarations page.

Your expenses for a month:

Electricity and gas, Water & Sewer, Telephone, cell phone, pager, Cable TV or Satellite, Food, clothing, medical & dental, recreation, charity, insurance for home, life, health, auto, child care or child support.

You must get credit counseling from one of the counselors listed below.

DO NOT SCHEDULE YOUR CREDIT COUNSELING UNTIL AFTER YOU HAVE YOUR APPOINTMENT WITH KETCHUM LAW FIRM

Money Management 877-895-2227 www.moneymanagement.org

Consumer Credit Counseling Service 800-251-2227 www.cccsinc.org

Credit Counseling Center of America 800-493-2222 www.cccamerica.org

Once you have completed the course, please have them email the certificate to gketchum@ketchumlaw.com or have them fax (731-285-3796) your certificate to our office (if they cannot email) for filing with the court.

GET A FREE CREDIT REPORT AT: WWW.ANNUALCREDITREPORT.COM