• Do not get a second mortgage on your house in order to consolidate unsecured debt, such as credit cards, before speaking with a bankruptcy attorney.
  • Do not cash out your IRA or 401(k) retirement accounts in order to pay unsecured debt, such as credit cards, before speaking with a bankruptcy attorney.
  • Do not add additional balances to your credit cards right before filing bankruptcy. Doing so may open the door for the creditor to object to your discharge of that debt.
  • Do consult with a bankruptcy attorney in order to get advice for your specific situation. Bankruptcy law is complicated and every situation is different. What happened in someone else’s case is not necessarily what will happen in your situation.
  • Do consult with a bankruptcy attorney in order to get advice for your specific situation. There are many misconceptions about how bankruptcy works and sometimes incorrect information is passed around as fact.
  • Do not obtain any new credit or make any sale or purchase of major items if you are contemplating filing bankruptcy before consulting with a bankruptcy attorney.
  • Doing so may cause problems in your future bankruptcy case.
  • Do file all required federal and state tax returns, even if you owe and cannot pay. Bankruptcy rules require that tax return filings be current.
  • Do be open and honest with your bankruptcy attorney. The attorney cannot give you accurate advice if he does not have all the facts. Giving incorrect information or leaving out information can lead to major problems with your bankruptcy case.