What do I do first? or How to start a bankruptcy proceeding

• Schedule a no-obligation, free informational meeting with the Bankruptcy Law Firm of Orfelia M. Mayor, P.A. to discuss your options and rights under the Bankruptcy Code as well as exploring alternatives to bankruptcy if they are available. A consultation allows us to explain debt relief under the new bankruptcy code. We can review which debts can be forgiven, what property can keep and which debts you may need to keep paying. Bring a list of all your debts and your most current pay stub. If you are married, you must also bring your spouse's most current pay stub. Also bring last year's tax return.
• If you decide to retain bankruptcy attorney Orfelia M. Mayor, the next step is to fill out our bankruptcy questionnaire. You must fill out this questionnaire completely and accurately in order for us to prepare your bankruptcy petition. You can download the bankruptcy questionnaire, print it and fill it out manually or take advantage of our online bankruptcy questionnaire that allows you to enter the information directly through a secure internet connection (to get started, enter Attorney ID: ombankruptcy). Once we have signed a retainer agreement and made payment arrangements, you can tell your creditors that you are represented by our office and they must stop calling you. You can provide them with our contact information and tell them to direct all future communications to our office.
• Schedule and attend a credit counseling course approved by the bankruptcy court for our area. You can check here for courses approved by the Southern District Bankruptcy Court. After you complete your credit counseling course, you will receive a certificate that must be included as part of your initial bankruptcy filing.
• We will set an appointment for you to review and sign the bankruptcy petition once the attorney has finished the required due diligence and prepared the forms and schedules.

The Bankruptcy Law Firm of Orfelia M. Mayor, P.A. handles bankruptcy cases in Miami, Hollywood, Fort Lauderdale, Plantation, Pembroke Pines, Sunrise, Coconut Creek, Cooper City, Dania, Davie, Deerfield Beach, Hallandale, Hollywood, Inverrary, Lauderdale Lakes, Lauderdale-By-The-Sea, Lauderhill, Margate, Lighthouse Point, Miramar, North Lauderdale, Oakland Park, Pembroke Park, Tamarac, Weston, Wilton Manors, Pompano, Coral Springs, Boca Raton, Delray and South Florida.