Ragland & Ragland, PLC Richmond: 3741 Westerre Parkway, Suite C #101 Richmond, VA 23233

Mailing: P.O. BOX 5791 Glen Allen, VA 23058-5791

Fredericksburg: 4107 Plank Road Suite B Fredericksburg, VA 22407

(804) 495-1529 (Phone)

(540) 328-9288 (Fax) Bryan@RaglandLegal.com

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Bankruptcy – Checklist of Documentation

Below please find a list of documentation generally required by our office to completely prepare

your bankruptcy petition. If all required documents are received we will schedule a review and signing

appointment for you.

1. Take two Debtor Education Courses (http://www.debtoredu.com). One course is required

prior to filing of the bankruptcy and one course is required to be taken after you have filed, but

prior to the completion of your bankruptcy and entry of a Order of Discharge:

Credit Counseling Certificate:

Please have DEBTOREDU.COM fax or e-mail certificate to us at our FAX: (540) 328-9288.

DebtorEdu Online Debtor Education Course (www.debtoredu.com (1-800-610-3920))

2. Provide Credit Reports:

Provide a copy of all three credit reports (Experian, TransUnion, and Equifax), which can be

obtained at: (www.annualcreditreport.com) or fill out and copy your identification card to the

Credit Report Authorization Form

(http://www.raglandlegal.com/uploads/1/6/2/7/16278258/cingroup_credit_auth_v5_16.pdf)

3. Provide Pay Stubs:

Provide a copy of each and every pay stub or proof of income (from ALL sources) you and, if

applicable, your spouse have received for the last 6 months to the last one received (no gaps)

and continue to update until I advise otherwise and/or please provide Profit & Loss statements

if self employed for each month of the last 6 months to serve as proof of income

4. Bank Statements:

Provide copy of the two most recent bank statements from all savings and/or checking accounts

and continue to update until we advise otherwise.

Ragland & Ragland, PLC Richmond: 3741 Westerre Parkway, Suite C #101 Richmond, VA 23233

Mailing: P.O. BOX 5791 Glen Allen, VA 23058-5791

Fredericksburg: 4107 Plank Road Suite B Fredericksburg, VA 22407

(804) 495-1529 (Phone)

(540) 328-9288 (Fax) Bryan@RaglandLegal.com

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5. Please provide your completed bankruptcy worksheets:

(A) Provide completed Debt form for every debt (use the included or download Debt

Form Worksheet

(http://www.raglandlegal.com/uploads/1/6/2/7/16278258/debt_form.pdf)) or fill out

all debt information within your MyCase client "Portal" for EVERY debt (you must

include all debts, even to friends or family, 401K loans and home and vehicle loans

(even if you plan to keep them)

(B) Provide full mailing address for each creditor, along with account numbers

(C) Provide written payoff or monthly statement from creditor for all debts

(D) Copy of all recorded Deed and Deed(s) of Trust for your home or land. (Obtain in the

Circuit Court - Office of Land Records)

(E) Copy of executed loan documents for all secured debts if you have them

(F) Please provide a list of all of your household furnishings and personal belongings

with a value for each item you list (see BK Instructions on how to obtain the

information needed to fulfill your duties in a bankruptcy case"

(http://www.raglandlegal.com/uploads/1/6/2/7/16278258/bk_instructions_on_how

_to_get_needed_information.pdf), and use the included or download the "Household

Goods

Worksheet"(http://www.raglandlegal.com/uploads/1/6/2/7/16278258/household_g

oods_doc.pdf). This may also be provided through your MyCase client "portal"

6. Please submit documentation for personal property:

Provide copy of title or vehicle transcript from DMV regardless of whether the vehicle is

financed for any vehicle you have an interest in (even as a co-signer or co-owner).

(B) Provide a copy of County assessment for both home and vehicle(s) and any

additional personal property that is subject to personal property taxation.

(C) Provide a copy of declaration page of insurance policy, which will identify your

vehicle as insured.

(D) Provide an NADA value for ALL vehicles, boats, motorcycles, RVs, ATVs, or trailers.

7. Please submit a copy of divorce decree, support order or agreement regarding payments of

debts or support. This will be inapplicable if you have not been previously married, and/or do

not have any children.

8. Please provide a copy of last years and the most recently due signed State and Federal

Income Tax Returns.

Ragland & Ragland, PLC Richmond: 3741 Westerre Parkway, Suite C #101 Richmond, VA 23233

Mailing: P.O. BOX 5791 Glen Allen, VA 23058-5791

Fredericksburg: 4107 Plank Road Suite B Fredericksburg, VA 22407

(804) 495-1529 (Phone)

(540) 328-9288 (Fax) Bryan@RaglandLegal.com

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9. Please provide copy of all previous Homestead Deeds (obtain in County Court House (this will

apply only if you have previously filed bankruptcy, or previously filed a Homestead Deed)).

10. Please submit information on current 401K, IRA or other retirement plans, or any stock

holdings, including current statement showing cash value. This may be inapplicable if you do

not have any 401k, IRA or other retirement plans or stock holdings.

11. Please submit information on life insurance policies, including a recent statement showing

current cash value. This may be inapplicable if you do not have any life insurance policies.

12. Please submit a Completed Schedule J Worksheet. Use the included or download "Schedule

J Worksheet." (http://www.raglandlegal.com/uploads/1/6/2/7/16278258/schedule_j.pdf)

13. Please submit the balance of all fees and costs due prior to filing (see attorney retainer

agreement for balance due).

Please be reminded that you will have to swear to the accuracy of the information you are providing us

under penalty of perjury on your bankruptcy petition. Any intentional misrepresentation of the truth or

intentional omission on your part may be prosecuted as bankruptcy fraud or perjury. Accordingly, please

make sure you provide us with complete and accurate information to prepare your petition. All creditors,

regardless of who they are must be listed. All assets owned must be disclosed.

SUBJECT TO THE TERMS, CONDITIONS AND DISCLOSURES SET OUT ON PAGES 2 AND 3 HEREIN, I INSTRUCT AND AUTHORIZE CIN LEGAL DATA SERVICES (“CIN”) TO DO THE FOLLOWING (PLEASE SELECT ALL THAT APPLY):

Bankruptcy Credit Report™ Access my Credit Profile one time to compile, merge, and format the credit data and data elements into the Bankruptcy Credit Report (“BCR”); provide a copy of the BCR to my attorney via CIN’s Internet portal or other secure electronic means; make data elements of the BCR available for electronic import into my attorney’s bankruptcy forms preparation software program or automated bankruptcy filing system; and provide a copy of the BCR to me via electronic posting to my secure MyHorizon® account.

Credit Assurance Report™Access my Credit Profile one time in the 60 to 90 days following the discharge of my bankruptcy case to compile, merge, and format the credit data and data elements into the Credit Assurance Report™ (“CAR”); provide a copy of the CAR to my attorney via CIN’s Internet portal or other secure electronic means; and provide a copy of the CAR to me via posting to my secure MyHorizon® account.

MyHorizon® Credit Monitoring Program Access my Credit Profile daily for 12 months beginning on the date the MyHorizon Credit Monitoring Program (“MHT Monitoring”) is ordered to provide credit monitoring, credit scoring, and/or credit score monitoring and tracking products to me via email, instant message, and/or text message.

Identity VerificationAccess my Credit Profile one time on the order date of any BCR, CAR or MHT Monitoring product to confirm my identity and avoid fraudulent transactions in my name. THIS IS A REQUIREMENT FOR ANY CREDIT PRODUCT ORDER.

PLEASE SUBMIT COMPLETED FORM WITH PHOTO IDS FOR PRIMARY APPLICANT AND CO-APPLICANT (IF JOINT APPLICATION)BY FAX TO 866-307-1003 OR BY EMAIL TO FORMS@CINLEGAL.COM. THANK YOU.

PRIMARY APPLICANT

DATE

SIGNATURE

SSN

NAME

Photo ID

CO-APPLICANT (IF JOINT APPLICATION)

DATE

SIGNATURE

SSN

NAME

Photo ID

CIN Legal Account Number:

Account Name:

CIN LEGAL DATA SERVICES CONSUMER AUTHORIZATION AND RELEASE FORM

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Terms and Conditions: I am hereby providing “written instructions” to Credit Infonet, Inc., doing business as CIN Legal Data Services (hereinafter, “CIN”), under Section 604(a) (2) of the Fair Credit Reporting Act (15 U.S.C. §1681 et. seq.), authorizing CIN to obtain my personal credit profile from Equifax, Experian and/or Transunion (“Credit Profile”) in order to provide me and my bankruptcy attorney with CIN products to be used on preparing and verifying bankruptcy case pursuant to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. In fulfilling my requests for credit data, I specifically authorize Equifax, Experian and Transunion to provide CIN with all medical information that may be contained within my consumer credit file. I have provided photo identification to my attorney to verify my identity, a copy of which is attached hereto. I acknowledge that the FCRA places no restrictions on how a consumer may utilize or share his/her own credit report that is ordered at his/her written instructions. I also acknowledge that the FCRA provides that anyone who knowingly and willfully obtains information under false pretenses shall be fined under Title 18, or imprisoned for not more than one year, or both. I acknowledge that CIN’s proprietary credit report and monitoring products (“the Products”) are provided “AS IS” and that CIN makes no representation or warranty, express or implied, with respect to the accuracy, validity, or completeness of the Products, or to their fitness for any particular purposes. I hereby release CIN and CIN’s parent, sister, and affiliated companies; successors and assigns; and its and their directors, officers, agents, employees, and independent contractors (collectively, “CIN’s Affiliates”) from liability for any negligence in connection with the preparation of the Products; and from any losses, damages, expenses, costs or obligations of any kind and nature whatsoever suffered by me resulting directly or indirectly from the inaccuracy, invalidity, incompleteness, delivery, or non-delivery of Product(s) or any portion or data element thereof. I acknowledge that when creating the Products, CIN may access my credit profile as maintained by Equifax, Experian, and TransUnion; any one of these credit bureaus; or any combination of two or more of these credit bureaus. I understand that any time CIN obtains my credit profile from one or more of these credit bureaus, a “hard inquiry” will be placed on my credit record. I acknowledge that not all of the data contained in my credit record as maintained by Equifax, Experian, and TransUnion will appear on the CIN credit report products. I specifically acknowledge that none of the Products will contain any calculation of or data on my current credit score. I acknowledge that CIN’s credit monitoring product will provide me with the daily notifications (“Alerts”) of changes that are made to my credit report as maintained by Experian and/or TransUnion; that Alerts can be delivered to me via email or SMS text message; that standard text messaging rates will apply to each text message sent or received as provided in my wireless rate plan; and that I can set up my preferences through my secure account accessible via CIN’s consumer web portal. I agree that if one or more provisions of this document are held for any reason to be invalid, illegal, or unenforceable, the remaining provisions of this document will be unaffected, and this document will be construed as if such provision(s) had not been contained herein. I understand that this authorization will be effective for twelve (12) months.

Disclosures from CIN and Experian: The Fair Credit Reporting Act allows you to obtain a disclosure from every credit reporting agency of the nature and substance of all information in your file at the time of the request. Full disclosure of information in your file at Experian must be obtained directly from Experian by calling 888-397-3742 or logging on to www.experian.com/consumer. The credit report you are requesting from The CINgroup is not intended to constitute the disclosure of Experian information required by the Fair Credit Reporting Act or similar state laws. You are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances: a. You have been denied credit, insurance or employment within the past sixty (60) days as a result of your credit report; b. You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the date on which you made the certification; c. You are a recipient of public welfare assistance; d. You have reason to believe that your file at the agency contains inaccurate information due to fraud; and e. annually at www.annualcreditreport.com. Otherwise, the consumer reporting agency may impose a reasonable charge for the disclosure. The Fair Credit Reporting Act permits you to dispute inaccurate or incomplete information in your credit file. You understand that accurate information cannot be changed. You do not have to purchase your credit report or other information from The CINgroup to dispute inaccurate or incomplete information in your Experian file or to receive a copy of my Experian consumer credit report. Experian’s National Consumer Assistance Center provides a proprietary consumer disclosure that is different from the consumer credit report provided The CINgroup. The disclosure report must be obtained directly from Experian. Consumers residing in the States of Colorado, Massachusetts, Maryland, New Jersey, and Vermont may receive a free copy of their consumer credit report once per year and residents of the State of Georgia may receive two copies per year. Fraud Alerts are available to any eligible consumers—free of charge—from a national consumer reporting agency.

ATTORNEY: PLEASE GIVE THIS NOTICE TO CONSUMERS

Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington DC 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

●You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information.

●You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: ●a person has taken adverse action against you because of information in your credit report; ●you are the victim of identity theft and place a fraud alert in your file; ●your file contains inaccurate information as a result of fraud; ●you are on public assistance; ●you are unemployed but expect to apply for employment within 60 days.

●In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.

●You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.

●You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

●Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

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●Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

●Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.●You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore.

●You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688.

●You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

●Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore.

●States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General.

●For Information about your Federal rights contact:1. a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates: Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552; b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB: Federal Trade Commission: Consumer Response Center – FCRA, Washington, DC 20580, (877) 382-4357.2. To the extent not included in item 1 above: a. National banks, federal savings associations and federal branches and federal agencies of foreign banks: Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050; b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act: Federal Reserve Consumer Help Center, PO Box 1200,Minneapolis, MN 55480; c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations: FDIC Consumer Response Center, 1100 Walnut St., Box #11,Kansas City, MO 64106; d. Federal Credit Unions: National Credit Union Administration, Office of Consumer Protection (OCP), Division of Consumer Compliance and Outreach (DCCO), 1775 Duke Street, Alexandria, VA 22314.3. Air carriers: Asst. General Counsel for Aviation Enforcement & Proceedings, Aviation Consumer Protection Division, Department of Transportation, 1200 New Jersey Avenue, S.E., Washington, DC 20590.4. Creditors Subject to Surface Transportation Board: Office of Proceedings, Surface Transportation Board, Department of Transportation 395 E Street, S.W., Washington, DC 20423.5. Creditors Subject to Packers and Stockyards Act, 1921: Nearest Packers and Stockyards Administration area Supervisor.6. Small Business Investment Companies: Associate Deputy Administrator for Capital Access, United States Small Business Administration, 409 Third Street, SW, 8th Floor, Washington, DC 20416. 7. Brokers and Dealers: Securities and Exchange Commission, 100 F Street, N.E., Washington, DC 20549. 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks and Production Credit Associations: Farm Credit Administration, 1501 Farm Credit Drive, McLean, VA 22102-5090.9. Retailers, Finance Companies, and All Other Creditors Not Listed Above: FTC Regional Office for region in which the creditor operates or Federal Trade Commission: Consumer Response Center – FCRA, Washington, DC 20580, (877) 382-4357.

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Ragland & Ragland, PLC

Physical: 3741 Westerre Parkway, Suite C #101

Richmond, VA 23233

Mailing: P.O. BOX 5791 Glen Allen, VA 23058-5791

(804) 495-1529 (Phone) Bryan@RaglandLegal.com

INSTRUCTIONS ON HOW TO OBTAIN THE INFORMATION NEEDED TO

FULFILL YOUR DUTIES IN A BANKRUPTCY CASE

1. INSTRUCTIONS ON HOW TO DETERMINE THE REPLACEMENT VALUE OF YOUR

PERSONAL PROPERTY. You will need to know the replacement value of any personal property that

you own when your bankruptcy case is filed, even if the property is mortgaged, pledged, or otherwise subject

to a lien. The replacement value of property that you acquired for a personal, family or household purpose is

the price that a retail merchant would charge for property of that kind, considering the age and condition of

the property at the time the bankruptcy case is filed. The value of personal property that is subject to a valid

lien or mortgage is the replacement value of the property as of the date the bankruptcy case is filed without

deducting anything for the cost of selling or marketing the property.

2. INSTRUCTIONS ON HOW TO DETERMINE YOUR CURRENT MONTHLY INCOME. Your

current monthly income must be determined in order to file a bankruptcy case. In a chapter 7 case, your

current monthly income is needed for means testing purposes; that is to determine your eligibility to proceed

under chapter 7. In a chapter 13 case your current monthly income is needed to determine the monthly

amount that you must pay to your creditors under a chapter 13 plan. Your current monthly income is the

average monthly income from all sources for both you and your spouse (even if your spouse is not filing) for

the six calendar months immediately preceding the filing of your bankruptcy case. If you are unmarried or if

you and your spouse are legally separated or living in separate households, then only your income is

counted. Income from all sources, regardless of whether the income is taxable, must be counted except that

social security benefits and payments received as a victim of war crimes, crimes against humanity, or as a

victim of international or domestic terrorism is not counted. Unemployment compensation is not counted to

the extent that it is funded by the Federal Government under the Social Security Act. Income from the

following sources must be counted: Gross income from wages, salary, tips, bonuses, overtime, and commissions.

Net income from the operation of a business, profession or farm.

Rent and other income from real property, less ordinary and necessary operating expenses.

Interest, dividends and royalties.

Pension and retirement income (other than Social Security income).

Child or spousal support from a former spouse if received regularly.

3. INSTRUCTIONS ON HOW TO DETERMINE YOUR ALLOWED MONTHLY EXPENSES AND

YOUR MONTHLY DISPOSABLE INCOME. If the amount of your current monthly income multiplied

by 12 does not exceed the median annual family income for your state and household size, as determined by

the U.S. Census Bureau, then you will not be subject to means testing and you will not be required to

calculate your monthly disposable income, which means that you will not be required to determine the

amounts of any deductions from your current monthly income. However, if the amount of your current

monthly income multiplied by 12 exceeds the median annual family income for your state and household

size, then the deductions from your current monthly income must be determined in order to calculate your

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disposable monthly income, which will be used to determine your eligibility to file a chapter 7 case or the

amount of your monthly payment in a chapter 13 case. Many of these deductions are not the amounts that

you actually spend each month, but the amounts calculated by the Internal Revenue Service (the IRS) as

being the standard allowable monthly living expenses for a household of your size and income level. These

standard expenses include expenses for food, clothing, household supplies, personal care and similar

expenses, housing and utility expenses, mortgage or rent expenses, transportation expenses, and other

necessary expenses including taxes, payroll deductions, life insurance, child or spousal support payments,

education, childcare, healthcare, and telecommunications. There is also a national standard expense for out-

of-pocket health care expenses for members of your household. These standard expenses are listed on a

Government website. Once we know your household size and the amount of your current monthly income,

we will obtain this information for you.

In addition to the IRS standard expenses described in the paragraph above, you are allowed to deduct

from your current monthly income, the average monthly amounts that you actually spend each month for (1)

health insurance, disability insurance, and a health savings account, (2) the reasonable and necessary care

and support of an elderly, chronically ill, or disabled member of your household or of your immediate family

who is unable to pay for such services, (3) protection against family violence, and (4) for regular charitable

contributions that your will continue to make after the bankruptcy case is filed.

In addition, if you can prove that your average monthly home energy costs exceed the amount specified

in the IRS standards, then you may deduct the amount by which your monthly average exceeds the IRS

standard. If you can prove that your average monthly expenses for food and clothing exceed the combined

allowances for food and apparel set forth in the IRS standards, then you may deduct the amount by which

your monthly expenses exceed the combined IRS standards for food and apparel, except that your deduction

may not exceed 5% of the combined IRS standards. If you can prove that the expenses are reasonable and

necessary and not already accounted for in the IRS standard expenses, you may deduct the average monthly

amount, not to exceed $137.50 per child, that you spend for the educational expenses of your dependent

children who are less than 18 years of age. In order to be able to deduct the actual expenses described in this

paragraph you must provide the bankruptcy trustee with documents proving that you actually incur these

expenses and spend these amounts. Statements, bills or receipts from utility companies, food and clothing

providers, and educational providers should be obtained so that they can be given to the bankruptcy trustee.

As indicated above, the total of all of your standard and permitted actual monthly expenses will be

subtracted from your current monthly income to determine your monthly disposable income.

4. INSTRUCTIONS ON HOW TO MAKE A LIST OF YOUR CREDITORS AND HOW TO

DETERMINE THE AMOUNT THAT IS OWED TO EACH CREDITOR. When a bankruptcy petition

is filed, complete lists of the names and addresses of all of your secured creditors and unsecured creditors

must also be filed. We will prepare and file those lists for you. However, to prepare the lists properly we

will need to be provided with the name, address and account number (if one exists) of each of your secured

and unsecured creditors. The names, addresses and account numbers of your commercial creditors may be

obtained from the bills or statements that they send to you. Commercial creditors include banks, credit card

companies, loan companies, stores, and other persons or companies that have extended commercial credit to

you and have not been paid in full. The address that should be listed for each creditor is the address to

which payments to the creditor are sent. If the account has been assigned to a collection agent, the name and

address of the collection agent should also be listed. The names and addresses of any creditors who are not

commercial creditors must also be provided to us.

Included here are creditors who are relatives or business associates, child or spousal support creditors,

and persons who may have claims against you for any reason, including automobile accidents, contract or

rent disputes, and business disputes. We must also be informed as to whether each debt is secured or

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unsecured. If a joint case is being filed we must be informed as to whether each debt was incurred by the

husband, the wife, or jointly by both husband and wife. We must also be informed of the current amount

owed to each creditor. For commercial creditors this amount can usually be obtained from the most recent

bill or statement. If it is not clear how much is owed to a particular creditor, we will assist you in

determining the amount that is owed.

5. INSTRUCTIONS ON HOW TO DETERMINE WHAT PROPERTY IS EXEMPT AND HOW TO

VALUE YOUR EXEMPT PROPERTY. When a bankruptcy petition is filed, complete lists of your

personal property and real property must be filed. A complete list of your exempt property must also be

filed. We will prepare and file these lists for you. To do this we must be provided with a description of

each item of personal and real property that you own and the value of each item of property. Once we are

provided with this information, we will assist you in determining which of your property is exempt under

applicable law. This will be accomplished by comparing your property with the property that is exempt

under the State and Federal laws that are applicable to you. Your exempt personal property should be

valued in the manner described in paragraph number 1 above in these instructions.

Seen, Understood & Agreed:

_______________________________

Seen, Understood & Agreed:

_______________________________

Bryan

Typewritten Text

BANKRUPTCY WORKSHEETS