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What to Gather Before You File: A Simple Checklist

Not sure what paperwork you'll need? Here's a plain, practical checklist to gather before you file, so the process feels manageable instead of overwhelming.

One of the simplest ways to make the filing process feel less overwhelming is to get organized before you sit down with anyone. You don't need to be a financial expert to gather this — you just need a folder and a bit of time. Here's a straightforward checklist to work from.

Income documents

Recent pay stubs (usually the last several months), your most recent tax returns, and documentation of any other income — benefits, side work, alimony, or support payments. If your income varies, gathering a wider window helps paint an accurate picture.

A full list of your debts

Recent statements for every credit card, loan, medical bill, and any collection notices you've received. It helps to include account numbers and approximate balances, even if they're not perfectly exact yet.

What you own

A simple list of your assets — your home (if any), vehicle, bank account balances, retirement accounts, and any other property of real value. Don't worry about listing every small household item individually; the broad categories are what matters at this stage.

Monthly expenses

A rough breakdown of what you spend monthly on housing, utilities, food, transportation, insurance, and any child or family support you pay. This doesn't need to be exact to the dollar — a realistic estimate is a completely fine starting point.

Recent financial history

Records of any large payments, transfers, or asset sales in the last year or two, and any lawsuits or judgments against you. These details matter for how your case is evaluated, so it's better to have them ready than to be asked and caught off guard.

Your credit counseling certificate

Once you've completed the required pre-filing credit counseling course, keep the certificate — you'll need it as part of your filing.

A short list of your own questions

Write down whatever's actually worrying you, even if it seems small — "will I lose my car," "what happens to my joint account with my spouse," whatever it is. Bringing your real questions to the conversation, instead of trying to remember them on the spot, makes that first meeting far more useful.

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Frequently asked

What if I can't find all my old statements?
That's normal and workable — most creditors and banks can provide duplicate statements, and a professional can help you fill in gaps.
Do I need this all perfectly organized before I talk to anyone?
No — even a rough, incomplete version of this list is a great starting point for an initial conversation. Perfection isn't the goal, a general picture is.
Is there a downloadable version of this checklist?
Yes — our free guide walks through this same checklist in a printable format you can work from at your own pace.
General legal information for educational purposes only — not legal advice, and no attorney-client relationship is created. Laws vary by state and change over time; confirm details with a licensed attorney in your state.

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