Thank you for your interest in Pepper & Nason helping you with bankruptcy and debt adjustment. We will do our very best to assist you any way we can.
We handle more bankruptcy cases than just about any other law firm in this state. The way we are able to handle cases efficiently and at a low cost is by utilizing a procedure that we have developed over the years. The first step is you filling out our questionnaire. You need to fill it out completely and answer all questions.
If you prefer, we can also mail you a physical copy of the questionnaire, just call us at 304-346-0361 to request one.
Some pointers on filling it out:
- Nearly everything else in the questionnaire can be estimated or answered to the best of your ability.
- It is better to do your best than be perfect and delay sending it to us.
- On the last two pages you may estimate the dates and the amounts of the debts, but we will eventually need to have the exact mailing address of the creditor.
- You can get a free credit report by calling 1-877-322-8228 or by going to www.annualcreditreport.com. We recommend getting all three credit reports, in order to double check you list all of your debts.
- When you list the items of furniture and personal items that you own, be sure to put values that are not unreasonably high. We would suggest using values that you think you could obtain for the items (used in their current condition) if you sold them online, at a flea market, yard sale, garage sale, or pawn shop – NOT the cost to buy a new one. In other words: resale value, not replacement value.
Once your questionnaire is completed:
- Call our office at 304-346-0361 and tell the receptionist you want to schedule a bankruptcy appointment.
- Please email or fax the questionnaire to us or bring the questionnaire with you to your office visit. DO NOT send the questionnaire to us unless you have an appointment.
We will also need copies of the following when you come:
- The last two years’ federal tax returns, with W-2s if you have them available;
- Copies of your last six months’ pay stubs;
- One debt collection letter from each “third party” debt collectors you’ve received, if any;
- Your most recent bank statement from each bank account you have; and
- Any court documents from a lawsuit where you have been sued.
There is no fee for the initial review of your case. When you come in for your appointment, we will tell you in writing what the exact charge would be for your bankruptcy case should you decide to file. Our fees page outlines our complete fee structure. Most bankruptcies cost $1,300, but yours could be more or less than that, depending on your circumstances.
We look forward to seeing you and figuring out the best plan of action for helping you address your debts.