Many people may be considering bankruptcy as a possible solution to their financial problems, but they do not know where to begin. This is understandable as the federal and state bankruptcy laws set out several requirements for filing bankruptcy in Missouri. These requirements include completing and submitting many different forms to the court. You want to make sure that every form is filled out correctly to ensure the best possible outcome in your bankruptcy case.
Missouri bankruptcy forms
Some examples of required bankruptcy forms include the following:
- The voluntary petition and all related schedules
- Means test (for Chapter 7) or disposable income (for Chapter 13) worksheet
- Statement of financial affairs
- Statement of intention
- Certification of credit counseling
- Creditor mailing list
Unfortunately, each individual bankruptcy court may have its own procedures and rules for certain forms. For example, the creditor mailing list will have to be in a certain format for the court to automatically send out bankruptcy notices.
Furthermore, mistakes or omissions on the means test may completely disqualify you from Chapter 7 eligibility. Similar errors in calculating your disposable income may result in a less desirable debt restructuring and repayment plan in a Chapter 13 bankruptcy. For this reason, it is very important to have the assistance of an experienced bankruptcy attorney when you complete and file all of the necessary bankruptcy forms.
If you tried to file forms on your own and made an error or omission, an attorney can also help you amend your forms with the correct information. You may also need to amend your forms if you have had a substantial change in circumstances since your filing, such as losing your job. It is important to make sure your forms accurately reflect your financial situation.
You do not want to risk having your bankruptcy filing delayed or even denied due to an error in completing or filing the correct forms. If you are considering filing for bankruptcy, an experienced Missouri bankruptcy lawyer at the Law Office of Kenneth P. Carp can help you through every step of the process. Call our office today at 636-947-3600 to schedule a free consultation.