Free Consultations

There are no strings attached to our free consultations. There are no obligations, no pressure, and we will not try to steer you towards any course of action. We will simply help you make sense or your situation and help you determine the implications of your decisions.

If you decide to take advantage of a free consultation, there is some basic information that we need and a few things that you should bring when you come in to see us. There is a list of all the documents you should bring with you below. The more information we have the more productive your initial consultation will be.

If you have any questions, give us a call at (209) 267 – 1381 or CLICK HERE to EMAIL us, and we’ll help you where we can.

We encourage you to visit our resources and links page, to learn more about debt relief, bankruptcy, foreclosure, and the pitfalls and scams that you may encounter as you try and work through your current problems. Click Here to navigate to our Resources Page.

Free Consultation Checklist

If you’re coming to visit us for a FREE CONSULTATION, here is a list of documents that we’ll need to see to complete your case. It is not necessary that you bring all of them for your initial consultation, unless they are related to specific concern you may have or you need help interpreting a document. You may also want to review Amy’s to-do list to see what documents you’ll need to gather and what you’ll have to do in order to file for bankruptcy.

  • 1. Your last two tax returns & any correspondence with IRS.
  • 2. Bring a credit report. You can get a free credit report by going to Request a credit report, NOT a credit score (they charge $15 for the score). The page will ask you for some personal information including your SSN, and then you will be directed to a page where you can select any one or all three of the major credit reporting agencies. If you have trouble getting the reports or you do not wish to print out 60 – 100 pages of material on your home printer, we can get them and print them out for you here for a $30 fee. You can also CLICK HERE to down load a CREDIT REPORT REQUEST FORM and the credit agencies will mail you your reports. You can also call 1 (877) 322 8225 to have your reports mailed to you. Remember to request all three reports. If you use the toll free number or mail in your request form it can take up to 15 days to receive your reports, but there is plenty we can be doing before they arrive.
  • 3. Estimated value of car(s), (truck(s), RV, ATV, or other vehicles and ‘toys’. The estimated retail value of such items of property can be found at or
  • 4. Estimated value of the house. If your house has not recently been appraised, you can look up your address on for a ballpark estimate.
  • 5 .Three months of bank statements from all accounts.
  • 6. Six months of pay stubs or other documents related to your income.
  • 7. Letters from creditors and collections agencies.
  • 8. Documents regarding any suits or judgments against you, wage garnishments and levies.
  • 9. Any notice of default or foreclosure.
  • 10. Marital settlement agreements and divorce papers (unless you were divorced more than five years ago).
  • 11. Your social security card.
  • 12. Copies of your titles or pink slips to your cars, trucks, boats, and recreational vehicles.
  • 13. Most recent statements for any vehicle loans.
  • 14. Most recent mortgage statement.

Rapid Import Form

If you have decided that bankruptcy is right for you, the next step is to fill in a Rapid Import form. A rapid import form is a electronic questionnaire that you can fill out and submit online. It provides us with much of the necessary information we will need to determine how to most effectively resolve the your specific problems. You will certainly have to gather documents and probably make some calculations in order to fill it out adequately. The form will save the information you enter into it, so you can stop and log in again later if you need to gather more paperwork, call us and ask a question (209) 267 – 1381, or if you simply need to take a break.

To begin a new form or continue with one you’ve already started enter your Social Security Number below. If you’re concerned about entering your SSN into an online form you can use any number you like, so long as you remember it for logging in later (numbers like 111-11-1111 or 123-45-6789 will likely already have been used)



Amy’s To-Do List

If you’ve had your free consultation and decided that bankruptcy is your best option, there are a few tasks that are required of you. Amy has created a to-do list which she hands out to those who come in for a visit. Even if you aren’t sure what you’d like to do reviewing the list will show you what you’ll need to do to file and could serve to organize your priorities and help you develop a plan. It contains not only a list of duties that you must undertake, but contains important information about the process and your role in it. You may CLICK HERE to download and print it.

Mike’s goals with the Free Consultations include:

• Informing individuals of their rights and the solutions that may be available for their financial problems,

• Clearing up misconceptions and debunking myths about foreclosure, bankruptcy, and other issues, and

• Helping people determine whether or not Bankruptcy is right for them.

If you have any questions, you can Click Here to go to the Contact Page or Call us at (209) 267 – 1381.


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