33 Don’ts for Preparing to File Bankruptcy – Part 3

by Jill Michaux, Esq.

June 18, 2008

The nation’s best consumer bankruptcy lawyers put together a list of 33 Don’ts for Preparing to File Bankruptcy, compiled by my fellow Kansas attorney Jonathan Becker of Lawrence. Here is part 3, the final installment of the list.

  1. Don’t omit or “save” a credit card for after your bankruptcy.
  2. Don’t fail to list debt to family or other “insiders”.
  3. Don’t write bad checks.
  4. Don’t borrow money.
  5. Don’t forget to tell your attorney about liens you may have on your home or unpaid judgments so they can be avoided.
  6. Don’t make major financial decisions without talking to your attorney.
  7. Don’t get married before filing if your spouse has a high income.
  8. Don’t misrepresent facts to your attorney.
  9. Don’t run up your credit cards in advance of filing bankruptcy.
  10. Don’t fail to appear at state court hearings, trial or proceedings; coordinate with your attorney.
  11. Don’t hide from your attorney.Keep her up-to date with your address, phone number and email address.

See also 33 Don’ts for Preparing to File Bankruptcy part 1 and part 2.

The purpose of compiling this list was to come up with a one-page handout for people considering filing a bankruptcy. Of course, there are many other do’s and don’ts for preparing to file a consumer bankruptcy case. Seek a local attorney licensed in your state to analyze your situation and devise a game plan that works for you. The internet is a great place to get information (and misinformation), but it is not a substitute for personalized advice with your attorney.

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Jill Michaux has helped Kansas consumers with debt problems for three decades. She and her partner, Mark Neis, are Topeka's only bankruptcy specialists, board certified in consumer bankruptcy law by the American Board of Certification. She help start the National Association of Consumer Bankruptcy Attorneys.

Last modified: October 22, 2012