{"id":286890,"date":"2021-01-26T09:07:21","date_gmt":"2021-01-26T14:07:21","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/bankruptcy\/before-you-file\/checklists-sample-forms.html"},"modified":"2021-06-30T09:06:23","modified_gmt":"2021-06-30T14:06:23","slug":"checklists-sample-forms","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/bankruptcy\/before-you-file\/checklists-sample-forms.html","title":{"rendered":"Bankruptcy Checklists and Sample Forms"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Bankruptcy Checklists and Sample Forms<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw Staff<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/bridget-molitor-jd\/\">Bridget Molitor, JD<\/a>\n                | Last reviewed\n        <time>\n                            June 30, 2021\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Many consumers get into financial trouble by failing to consider the repercussions of irresponsible spending. It&#8217;s wise to have a plan in place to save money for short- or long-term goals and to effectively <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/repaying-debts.html\">pay off any debts<\/a>. The resources listed below will help individuals in <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/making-a-budget.html\">organizing a budget<\/a> and determining which <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/the-automatic-stay-stopping-creditors-with-bankruptcy.html\">creditor to pay first<\/a>.<\/p>\r\n<h2>Bankruptcy Resources: Sample Forms and Checklists<\/h2>\r\n<ul>\r\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/checklist-debts-to-pay-first.html\">Checklist &#8211; Debts to Pay First<\/a> &#8211; Checklist of suggested financial priorities, beginning with items like food and other necessities, to help those having financial problems devise a strategy for paying down debts and balancing a budget. The checklist is a useful tool in organizing your debts and determining which debts have a higher consequence to you. This can help you decide which debts to pay off first in order to get out of debt as quickly as possible.<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/legal-help-and-resources\/sample-cease-communications-letter-to-creditor.html\">Sample &quot;Cease Communications&quot; Letter to Creditor<\/a> &#8211; Sample \u201ccease communications&quot; letter to stop creditors from calling and sending letters demanding payment for debts, in accordance with your rights under the Fair Debt Collection Practices Act. Creditors are not allowed to contact you after they receive a written cease communications letter. This is extremely important if you have creditors who are harassing you. There are rules under the Fair Debt Collection Practices Act that dictate when and how creditors can contact you. Some useful rules to keep in mind are that creditors are not allowed to contact you at work, can only contact you between 8am to 9pm, and are not allowed to use profane or threatening language.<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/sample-budget.html\">Sample Budget<\/a> &#8211; A sample household budget to help families organize their income and expenses, with directions on how to calculate your average monthly discretionary income. A budget will be useful in knowing where your money is going to be spent and how much you want to save each month to meet a financial goal.<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/sample-personal-financial-statement.html\">Sample Personal Financial Statement<\/a> &#8211; Sample form to help individuals and households determine the value of their finances at a given point in time or to monitor fluctuations in the value of assets. This statement provides a useful tool in determining the extent of your assets. You may be surprised about some of the assets you own.<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/sample-billing-dispute-letter.html\">Sample Billing Dispute Letter<\/a> &#8211; Sample letter to send creditors when disputing a billing statement, including a synopsis of important legal requirements (such as required billing statement disclosures and time limits for responding). Billing errors are far from abnormal, so it&#8217;s in your best interest to correct these errors as soon as possible. Giving written notice to creditors of any billing errors will require them to resolve your dispute.<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/sample-request-for-credit-report-if-you-have-recently-been-denied.html\">Sample Request For Credit Report If You Have Recently Been Denied Credit<\/a> &#8211; Sample credit report request letter for consumers who have recently been denied credit, including contact information for the three main credit reporting agencies. Under the Fair Credit Reporting Act, creditors are required to inform consumers about the reasoning behind a denied credit application.<\/li>\r\n<\/ul>\r\n<p>If you are not sure where to start with documents and first steps, <a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">talk to a bankruptcy attorney<\/a>&nbsp;for direction on your specific situation.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n                              d=\"M6 21H3C2.46957 21 1.96086 20.7893 1.58579 20.4142C1.21071 20.0391 1 19.5304 1 19V12C1 11.4696 1.21071 10.9609 1.58579 10.5858C1.96086 10.2107 2.46957 10 3 10H6M13 8V4C13 3.20435 12.6839 2.44129 12.1213 1.87868C11.5587 1.31607 10.7956 1 10 1L6 10V21H17.28C17.7623 21.0055 18.2304 20.8364 18.5979 20.524C18.9654 20.2116 19.2077 19.7769 19.28 19.3L20.66 10.3C20.7035 10.0134 20.6842 9.72068 20.6033 9.44225C20.5225 9.16382 20.3821 8.90629 20.1919 8.68751C20.0016 8.46873 19.7661 8.29393 19.5016 8.17522C19.2371 8.0565 18.9499 7.99672 18.66 8H13Z\"\n                              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id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                       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rel=\"noopener\">Learn more about FindLaw\u2019s newsletters<\/a>, including our terms of use and privacy policy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n<div class=\"general-list\">\n    <h3>You May Also Like:<\/h3>\n    <ul class=\"fl-list fl-no-margin\">\n                                    <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/before-you-file\/checklist-documents-to-show-to-your-bankruptcy-attorney-.html\">\n                        Checklist: Documents To Show to Your Bankruptcy Attorney\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/before-you-file\/attorney-intake-questionnaire-hiring-a-bankruptcy-attorney.html\">\n                        Working With a Bankruptcy Attorney: Questions To Prepare For\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/before-you-file\/can-i-file-bankruptcy-without-a-lawyer-.html\">\n                        Can I File Bankruptcy Without a Lawyer?\n                    <\/a>\n                <\/li>\n                        <\/ul>\n<\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Struggling with organizing a budget and paying off debt? FindLaw.com has ample resources that can help.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":286885,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2727],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-286890","page","type-page","status-publish","hentry","category-bankruptcy"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286890","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=286890"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286890\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286885"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=286890"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=286890"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=286890"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=286890"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=286890"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}