Barry H. Spitzer

OFFICE CONSULTATION

You will receive a one-on-one consultation with me. I will thoroughly evaluate your case and meet with you to handle all aspects of your bankruptcy case, from the preparation of your bankruptcy petition to appearing with you at the creditor’s meeting.

To make a consultation on possibly filing for bankruptcy protection most useful, please bring with you all of the following:
1. Credit Report
A current credit report, available for free at http://annualcreditreport.com. Preferably print out and bring in the Experian credit report for each person seeking to file bankruptcy. Most times, each spouse has slightly different creditors listed on their credit report. However, if that report is not available, either of the other two credit reports will suffice. Please use the credit report from this link only as it provides much more valuable information to me, even if you have access to other similar credit reports. Please print out the detailed version of your credit report, making sure it indicates the amount of debt owed to each creditor, the date the credit was granted and the recent payment history. This should be a large report, approximately 25 pages or larger. Other credit reports, such as “FreeCreditReport.com” or "Credit Karma" are not as helpful and should not be substituted, if at all possible.
2. Pay Advices
Six months of your most recent pay advices. A pay advice is the summary page of your pay check. If you are married and your spouse is employed, please bring in pay advices for both spouses. I will need to see pay advices for both spouses, even if only one spouse is going to file the bankruptcy petition. However, if you are separated from your spouse, their income information is not needed. If you are self-employed, please bring with you six months of profit and loss statements, month-by-month.
3. Automobile Values
For every vehicle registered in your name or the name of your spouse, please print out and bring in with you a valuation, available at KBB.org. Print out both the private party value and the retail value. I will need the valuation information for your spouse's vehicle, even if your spouse is not filing with you.
4. Home Values
Please obtain a current value of your home, either using comparable recent sales in your neighborhood or through an online home valuation site. Also please print out your most recent mortgage statements.
5. Income Tax Returns
Both state and federal income tax returns for the prior two years. Current law requires you be current with your income tax filings, even if you happen to owe for prior years. If you do not have a copy, you may obtain a transcript of your federal income tax return from the IRS at http://www.irs.gov. For a prior years California state tax return, call 800-852-5711.
6. Bills
All of your most recent bills, collection notices and any lawsuits. It is important for you to know if you have taken any cash advances, used a convenience check or transferred a balance between credit card accounts in the 12 month period prior to your office visit. Please review your records so you are able to discuss this with me.
7. Bank Statements
Six months of your most recent bank statements for all accounts you have signature rights, including family members such as children or parents. Also, your most recent statements for any retirement or pension account.
8. Detailed Monthly Budget
Prior to Filing Your Petition
Prior to being able to file a bankruptcy petition, you must obtain a credit counseling certificate. You do not need this certificate before our initial consultation. Please refer to the list provided by the Office of the United States Trustee, for a list of approved agencies. We are in the Eastern District of Californa.
After Filing Your Petition
After filing your case, you must obtain a debtor education certificate within 45 days of your first meeting of creditors or you will not receive a discharge. Please refer to the list provided by the Office of the United States Trustee, for a list of approved agencies. We are in the Eastern District of California. 

Driving Directions
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Law Office of Barry H. Spitzer

I have been practicing bankruptcy law since 1992. I have successfully represented debtors, creditors and Chapter 7 trustees through the bankruptcy process. By representing all sides of bankruptcy cases, I have a unique prospective on how I can best assist you.
2150 River Plaza Drive, Ste 140
Sacramento, CA 95833-4139
(916) 442-9002
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