Debtors Archives - Public Counsel

How to Complete the Adversary Proceeding Cover Sheet Self-Help Guide

Unless you file your adversary proceeding case electronically, your adversary proceeding complaint must be filed with a completed Adversary Proceeding Cover Sheet (Official Form 1040). The clerk of court needs …

Carta de “No Contacto” (Plantilla) – En Español

Esta es una versión para “llenar los espacios en blanco” de nuestra carta de “No contacto” que puede descargar, imprimir, completar y enviar a los acreedores.

Carta de “No Contacto” (Muestra) – En Español

Si está “a prueba de juicio”, lo que significa que no tiene activos que los cobradores de deudas puedan obtener de usted incluso si ganan una demanda, puede usar esta …

Tax Transcript (link directs to IRS website)

When you file for Chapter 7 bankruptcy, you may need to provide your recent Federal income tax records. If you do not have your tax returns, you can get a …

Reaffirmation Hearing Informational Packet

A reaffirmation agreement is where you agree to pay a debt even though you could have eliminated the debt in your bankruptcy case. When you reaffirm a debt, you continue …

Meeting of Creditors (Chapter 7)

In each Chapter 7 bankruptcy case, you will have a meeting with the Chapter 7 trustee (called the “Meeting of Creditors” or “341(a) Meeting.” This flyer will give you an …

Managing Your Student Loans

Instructions for how to manage your student loan debts.

Free Credit Report

Instructions for how to get a free credit report from all three credit reporting agencies, which anyone is entitled to receive at no cost once a year.

Free or Low-Cost Bankruptcy Help

A listing of various agencies and services throughout Southern California that offer free and low-cost bankruptcy assistance.

Bankruptcy Filing – Fee Waiver Application and Instructions

This is the actual application for a fee waiver from the court. The instructions will tell you exactly how to fill out the forms and where to submit the application.

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