What Information Will You Need?
Bankruptcy requires a full and honest disclosure of your financial picture. This isn't about judgment — it's about accuracy. The more organized your information is before you start, the smoother the process will be.
The Four Core Categories
💰 Income
- Monthly gross income (before taxes)
- Income from all sources — employment, self-employment, rental, benefits
- Your spouse's income (even if filing individually — used for means test)
- Any changes in income over the past 6 months
📊 Expenses
- Monthly housing costs (rent or mortgage)
- Utilities, food, transportation
- Insurance premiums
- Medical and healthcare costs
- Child care, education
- Any other regular monthly expenses
🏠 Assets
- Real estate (home, land, investment property)
- Vehicles (cars, motorcycles, boats)
- Bank and investment account balances
- Retirement accounts
- Personal property of significant value
- Pending lawsuits or claims
📋 Debts
- All creditors — credit cards, medical, personal loans
- Secured debts — mortgage, car loan
- Priority debts — taxes, child support, alimony
- Account numbers and current balances for each
- Any debts currently in collections
One Step at a Time
You don't need to have everything perfect before you start. JustiPal™ guides you through each section step by step, saving your progress as you go. Start with what you have.