BANKRUPTCY PETITIONS AND SCHEDULES
When you file bankruptcy, there is a great deal of paperwork that must be filled out. The paperwork cannot be filled out correctly unless you provide all information that your attorney requests. In bankruptcy, the debtor(s) sign all petitions and schedules under penalty of perjury.
This means that debtor(s) must actually read and understand and make sure that all responses, no matter how small are correct. A case filed by debtor(s) can be dismissed or the discharge denied because information in the petition and schedules was incorrect. Not every error will get your case dismissed or discharge denied, but, if there are a lot of small errors, the Court may dismiss your case or deny your discharge because it believes that you simply did not try hard enough to get the answers correct.
When you are ready to sign the petition and schedules, make sure that you schedule enough time to carefully read and go over the paperwork. If you need to take the paperwork home before you sign the paperwork and read it again, you should do that.
Do not speed read when signing the paperwork. Take your time and go through the paperwork carefully. If you do not understand a question, have your attorney explain the question to you. Many of the questions are simple and straightforward, but, some would require a great deal of legal knowledge to answer.
In subsequent posts, I will go through each part of the paperwork you must sign and try and explain what you need to be doing.
Before we begin, understand that if you violate the first rule, you will not be very happy with the result. In fact, your case may be dismissed if you do not remember this simple rule.
ALL MEANS ALL. ALMOST ALL IS NOT THE QUESTION.
If you used another name at any time, tell your attorney. It does not matter how long ago it was that the other name was used is a simple example. If you own a tiny interest in real property, tell your attorney. Tell your attorney about your property, no matter how much you are afraid you might lose it or how worthless you think the property may be.