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Elbert A. Walton, Jr.
Attorney & Counselor at Law

METRO LAW FIRM, LLC
2320 Chambers Rd.
St. Louis, MO 63136
Telephone :314-388-3400
Fax: 314-735-5325


Email Attorney Walton: elbertwalton@elbertwaltonlaw.com

Rochelle L. W. Gray, Office Manager & Bankruptcy Specialist

Email: Ms. Gray: rochellegray@elbertwaltonlaw.com

INSTRUCTIONS FOR COMPLETION OF ONLINE CREDIT COUNSELING & ONLINE BANKRUPTCY QUESTIONNAIRE

Greetings:

Thank you, for contacting my office so that we may help you get relief from your creditors.  In order to do so, you will have to:

(1)   first undergo credit counseling,

(2)  then complete a bankruptcy questionnaire online; and

(3)  finally you will have to come to our office so that we can prepare your bankruptcy documents, you can review them, sign them, and we will thereafter file them with the court.

Before coming to our office, please try to complete both:

(1)   the online credit counseling worksheets, and

(2)   the online bankruptcy questionnaire.

If you are unable to do so, then we will complete these tasks after you arrive.

When you input information online, please be thorough and complete.  Please review whatever paperwork you have at home and look up information either online or in the telephone book so that you can give as complete an answer as possible.  DO NOT LEAVE BLANKS.  If an answer calls for a number, insert Zero if that is the answer instead of leaving the space blank.  If an answer calls for words, insert No, None, Not Applicable or Unknown, if that is the answer, instead of leaving the space blank.  Again, please be thorough and complete; estimate or guess an answer if necessary, but do not leave any blank or empty spaces when you are answering the questionnaires or worksheets.  Do not omit any creditors or property that you own when completing the questionnaire.

I.                  Credit Counseling Worksheets

(Please try to complete this before coming to the office if you can; otherwise, we will assist you when you come to the office with this task)

FIRST, please go to the following website and complete the consumer credit counseling worksheets online:

http://www.cccsoftheozarks.org/bankruptcy_prefile.php

The credit counselor will thereafter call you and interview you on the telephone.  Please let them know that you are one of our clients so that they will forward your Certificate of Credit Counseling to my office.  After you complete the credit counseling, please email to me the last four digits of your social security number so that I can identify you properly to the credit counseling agency.  If you do not hear from the credit counselor within twenty-four hours after you submit the worksheets online, please call 1-800-882-0808 to make an appointment with the agency so that you may complete the credit counseling.

Note: If you are unable to complete the worksheets online, please call the office so that you can obtain paper copies to complete.  We can either email the paper copies to you for downloading and printing or you can come to our office to retrieve them.

II.               Bankruptcy Questionnaire

(Please try to complete this before coming to the office if you can; otherwise, we will assist you when you come to the office with this task)

SECOND, after you complete the worksheets for the consumer credit counseling, you will have to complete Bankruptcy worksheets as well.  You will go to the following website to do so:

https://www.lexisnexis.com/topformq/login.aspx

Please enter (copy & paste) the following ID number to access the questionnaire.

MBBK872$da0935

You will select a personal user name and password.  Retain that user name and password in a safe place in the event that you must make changes or corrections to the questionnaire.  After you complete the Bankruptcy questionnaire, we will be notified that it has been completed and prepare your paperwork. 

To assure that you complete the questionnaire properly, USE YOUR TAB KEY to go from cell to cell on each page until you get to the next button, then click next to go to the next page.  Once you complete the questionnaire, you will then click the submit button and your answers will be forwarded to our office. 

Note: If you are unable to complete the questionnaire online, please call the office so that you can obtain paper copies to complete.  We can either email the paper copies to you for downloading and printing or you can come to our office to retrieve them.

CAUTION

You have to list everything you own and everyone that you owe when you file any kind of bankruptcy case. It’s a federal crime to not list something.  If you don’t think you need to list something, list it anywayIf you are not sure if you have to include something, include it. The Court will view the completeness of your information as evidence of your good faith in dealing with your situation.  Incomplete information will have a serious, detrimental effect, including having your case thrown out and possible criminal charges. It may also cost substantially more to “clean up” in the long run, even if the worst does not happen.

III. Office Appointment



THIRD, you will have to come to my office so that we can complete the preparation of the Bankruptcy documents and get the case filed.  Your appointment is set as follows:

Day:      Call for an appointment

Date:     TBA

Time:      TBA

CAUTION

In order to make sure your papers are completed and filed timely, we have made you an appointment prior to expected or potential adverse creditor action.

YOUR APPOINTMENT WILL TAKE NO LESS THAN ONE AND MAY TAKE UP TO THREE HOURS TO SERVE YOU.

If these papers are not filed, before foreclosure, tax or judgment sale, you will lose your home, furthermore, if your auto or other personal property is repossessed before your bankruptcy petition is filed, you will have to pay the costs of repossession and storage fees as well as to show proof of insurance in order to recover your car or personal property.  If your wages or bank accounts are being garnished, the garnishment will not be released until after we file your case with the court.

THEREFORE, PLEASE COMPLETE THE WORKSHEETS AND QUESTIONNAIRES IMMEDIATELY OR TODAY, BE AS ACCURATE AS POSSIBLE, BE ON TIME AND BRING ALL OF THE DOCUMENTS WE REQUESTED AS INDICATED BELOW TO OUR OFFICE AT THE TIME OF YOUR INITIAL APPOINTMENT!

Documents to Bring to Office

Please bring the following documents to our office (If someone else has the document, please get it from them before coming to the office.) 

1.    Credit counseling fee in the form of a money order payable to CCCS in the sum of $45.00 for a single filer or $65.00 if both husband and wife are filing jointly

2.    Initial office visit attorney's fee of $200.00. (Cash or money order, only, please) Additional attorney’s retainer fee of $299.00 must be paid before case is filed. Credit report $26.  Additional fees and expenses may be required at a later date if any additional services are required as will be discussed and by prior agreement.  Chapter 13 case flat fee elected and allowed by the court.

3.    Court costs of $299.00 for Chapter 7 and $275 for Chapter 13. (Cash or money order, only, please)

4.    Last or most recently filed federal income tax return

5.    Last or most recently filed state income tax return

6.    W-2 (or W-4) form for most recently filed income tax return)

7.    Pay check stubs for the last six months up to date you come to our office

8.    Any statements you received from payees of child support, alimony or maintenance, social security, pensions, unemployment benefits, or any other income that you may have received for the last six months up to date you come to our office

9.    Divorce or separation decree

10.  Child support judgment or order

11.  Copy of foreclosure notice

12.  Copy of reinstatement figures, or the amount required to pay in full to stop foreclosure as demanded by mortgage company

13.  Deeds to all houses you own or have any interest

14.  Copies of all of your bills

15.  List of names, addresses and zip codes for each of your creditors

16.  Personal property tax bill

17.  List of motor vehicles owned, including, name, year, model, body style, mileage, and accessories

18.  Copies of motor vehicle repossession notices

19.  Copies of repossession notices for any other property

20.  Photo Id

21.  Social Security Card

22.  Most recent savings, checking or investment bank, credit union or savings and loan statements received up to date of your visit to our office

23.  Copies of any garnishments and lawsuits filed against you

CAUTION

In order to make sure your papers are completed and filed timely, we have made you an appointment prior to expected or potential adverse creditor action.  YOUR APPOINTMENT WILL TAKE NO LESS THAN ONE AND MAY TAKE UP TO THREE HOURS TO SERVE YOU.

If these papers are not filed, before foreclosure, tax or judgment sale, you will lose your home, furthermore, if your auto or other personal property is repossessed before your bankruptcy petition is filed, you will have to pay the costs of repossession and storage fees as well as to show proof of insurance in order to recover your car or personal property.  If your wages or bank accounts are being garnished, the garnishment will not be released until after we file your case with the court.

THEREFORE, PLEASE COMPLETE THE WORKSHEETS AND QUESTIONNAIRES IMMEDIATELY OR TODAY, BE AS ACCURATE AS POSSIBLE, BE ON TIME AND BRING ALL OF THE DOCUMENTS WE REQUESTED TO OUR OFFICE AT THE TIME OF YOUR INITIAL APPOINTMENT!

PARAPROFESSIONAL STAFF

Your attorneys are identified in the above letterhead.  They will be assisted by paralegals in the office as also identified above in the letterhead.  As paralegals, they can do tasks delegated to them by the attorneys, who shall supervise their work and maintain ultimate responsibility for the work product.

The paralegals’ duties may be:

(a)  researching cases and other legal authority;

(b) factual investigation;

(c)  preparing legal documents;

(d) reviewing and organizing case files;

(e)  assisting at and preparing a case for trial;

(f)   assisting at depositions;

(g)  summarizing depositions;

(h)  drafting interrogatory questions and answers;

(i)    interviewing clients and witnesses;

(j)    assisting in court;

(k)  handling administrative matters;

(l)    communicating information to clients and other people. The paralegals may give factual and procedural information; however, they cannot give legal opinions in response to your questions.  They will either have you talk directly to the attorney or they may relay advice, to you, specifically given to them by the attorney, to relay to you, as your attorney.

The paralegals are qualified to do everything to assist you in the preparation and filing of your bankruptcy paperwork and in the course of your case going through the court system.  Although you will find it most convenient to work with the paralegals on a routine basis, you should, at anytime, feel free to ask to speak directly to the attorney if you have any questions.

If you have any questions, please feel free to call me at 314-388-3400.

Sincerely,
Elbert A. Walton, Jr.