Asset Information:

1. Real Estate equity analysis. For each property you own, you need to have determined today's fair market value and the pay-off amount for any mortgage or lien. You will need to have:
   1. A tax bill that shows the assessed value;
   2. Appraisal or market analysis prepared by a real estate broker;
   3. Mortgage statement which indicates your principal balance;
   4. Information with reference to equity loans or liens on the real estate;
   5. Your Deed; and if applicable;
   6. Homestead.

2. Personal Property: You will need to determine the fair market value of all personal property you own. In many instances, the market for your asset is the "yard sale". In other instances, you will have a statement from an independent third party to determine the value.
   1. Recent bank statement for all bank accounts;
   2. IRA, pension or Profit Sharing Plan statement from employer or Plan administrator and literature describing the Plan;
   3. Bluebook wholesale and retail value for vehicles;
   4. Appraisal for jewelry and other valuables;
   5. List of items in your home which you could sell;
   6. Life insurance policay cash surrender value.

Liability Information:

1. Secured Creditors:
   1. Prepare a list of your secured creditors and identify the collateral securing the loan;
   2. Have documentation (mortgage or security interest) of the security interest and date the interest attached;
   3. Bring the latest statement of the principal balance due to the creditor.

2. Priority Creditors:
   1. Outstanding taxes; real estate taxes or income taxes;
   2. Outstanding alimony or child support;

3. Unsecured Creditors:
   1. Prepare a list, in alphabetical order, of all your creditors with the amount owed;
   2. Have available the latest statement for each credit card;
   3. Know the date of the last time you used each credit card.

Income and Expense Information:

1. Income. You will need to bring the following information:
   1. Last two year's income tax returns with W-2 and 1099 support;
   2. Four most recent pay stubs;
   3. Proof of any other income.

2. Expenses. Make sure you have gone through your check book or other records to verify your numbers:
   1. Prepare a budget of your basic living expenses (see Official Forms, Schedule J );
   2. In "other" make note of items or categories of expenses not listed in the schedule, such as:
      1. Haircuts
      2. Lunches out
      3. Postage
      4. Cigarettes
      5. Banking Fees

   3. Don't forget to figure the cost of car repairs in "transportation" and out of pocket medical expenses such as:
      1. Co-payments
      2. Eyeglasses
      3. Dental Hygiene
      4. Prescriptions
          

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