Law Offices of
Michele M. Poteracke
  


     707 571-1109
     
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How to File Bankruptcy
Our Fairfield Bankruptcy Attorney Starts with a Thorough Financial Analysis of Your Situation

An analysis of your income and expenses will determine whether you are eligible to file a chapter 7 bankruptcy or a chapter 13 bankruptcy.  This analysis is referred to as the Means Test.

Our Fairfield bankruptcy attorney looks at the whole picture.  But, with both chapters, you must provide extensive information and documentation relating to your assets and debts, and income, in order to prepare your case.  Santa Rosa bankruptcy attorney Michele M. Poteracke will provide you with a full list of information and documentation she will review before your case is finalized and ready for you to review and sign.

Mandatory Bankruptcy Forms are Extensive and Detailed

Mandatory forms approved by the court are required to be used when filing for bankruptcy relief.  You may find them intimidating, not to mention confusing, but Fairfield bankruptcy attorney Michele Poteracke will make sure they are filled out properly. 

Your paperwork includes schedules where all of your assets and debts are to be listed, as well as your monthly income and expenses.  If you are self-employed, you may need to add attachments to these schedules to explain your business income and expenses.  The forms also include a question and answer section called the Statement of Financial Affairs; then, there's the Means Test, and still more forms. 

Santa Rosa bankruptcy attorney Michele M. Poteracke will go through all of the forms, and provide you with guidelines for providing documents like pay stubs, tax returns and bank statements, not just for her to review, but also for your bankruptcy trustee. 

Don't Forget Your Debt Counseling Certificate Before You File

Before your bankruptcy petition can be filed, you must obtain a pre-petition debt counseling certificate.  

After your case is filed, but before you can obtain your discharge, you must obtain a second certificate for financial education.  Our Fairfield bankruptcy lawyer will help you with the process.

A Trustee will be Appointed to Review your Case

Your bankruptcy case is filed with the U.S. Bankruptcy Court in the district where you have lived for the greater part of the last six months. 

For instance, if you live in Napa, California, your case is filed in Santa Rosa with the U.S. Bankruptcy Court for the Northern District of California; but if you live in Vallejo, California, only ten miles away, your case is filed in Sacramento with the Eastern District of California.

Our Fairfield and Santa Rosa bankruptcy attorney Michele M. Poteracke files cases in both districts and has done so for many years.  

Your location is important to you because, among other things, you will have to attend a mandatory creditors meeting at the court where your case is filed.  Fairfield bankruptcy attorney Michele M. Poteracke will provide you with all the information you will need to be prepared for the meeting conducted by your trustee.

Speak with a Knowledgeable and Experienced Bankruptcy Attorney about Your Options - Learn about Your Rights and Responsibilities

At the Law Offices of Michele M. Poteracke in Fairfield, and in Santa Rosa, we help people throughout the North Bay, East Bay and Wine Country stop creditor harassment, reorganize and discharge debt and get the fresh start they need.

For more information, send us an e-mail at mmp@poterackelaw.com or call us at 707 571-1109 to schedule a free initial consultation.  Or, fill out the Bankruptcy Questionnaire  to schedule a telephone consultation.

The Law Offices of Michele M. Poteracke is a debt relief agency.

We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

FAIRFIELD & SANTA ROSA BANKRUPTCY LAWYER - Serving clients throughout Solano, Napa, Sonoma, Lake and Mendocino Counties. including but not limited to the cities of Fairfield, Vacaville, Vallejo, Santa Rosa, Petaluma, Rohnert Park, Cotati, Sebastopol, Guernville, Cloverdale, Ukiah, Lakeport, Kelseyville, Napa, Calistoga, and Middletown, California. 
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If you have any questions or you
wonder if bankruptcy is right for you, contact us to set up a free consultation. 

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Why Choose Us?

  • Reasonable Rates
  • More than 20 Years Bankruptcy Experience
  • Attentive and Responsive to Your Questions and Concerns
  • Pro-Active in Analyzing Potential Problems with Your Case
  • Efficient and Friendly
  • Offices Conveniently Located :

In Fairfield at:
550 Webster Street, Suite 3
Fairfield, CA 94533


And In Santa Rosa at:
850 3rd Street
Santa Rosa, CA 95404


The Law Offices of
Michele M. Poteracke
Telephone: 707-571-1109
FAX: 707-540-6287
E-mail: mmp@poterackelaw.com

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