Getting Started

Helping someone decide whether or not to file bankruptcy is like seeing the doctor for a broken arm.  While the arm is obviously broken, the doctor still needs to look at the x-ray to see if you need surgery or just a cast.  Thanks to Congress, there is a lot of paperwork involved in taking an x-ray of your finances to see if bankruptcy is a good option for our clients.  Let’s get started:

Step One – The Questionnaire

We begin the evaluation of your case with our online questionnaire.  This interview process helps provide us with the necessary information to properly evaluate your bankruptcy case.  You can begin the interview process by inputting your Social Security number in the box below:


A new window will open up and you can begin entering the necessary such as your income, expenses and debts.  The questionnaire is a bit complex, but please do feel free to call us with any questions as you complete the interview process.  We really do need this information in order to help you.

Step Two – The Documents

In addition to the completed questionnaire, we need to have copies of the following documents:

  • A list of all creditors, including addresses, account / loan numbers, and the amounts and description of each debt
  • For each secured debt, such as a car loan or home mortgage, copy of the latest statement showing the balance due on the debt
  • A copy of the DMV registration or recorded trust deed and proof of insurance for each secured debt
  • Income tax returns for the last two years, including W-2, 1099, and K-1 information
  • Copies of paystubs and copies of bank statements for the last 180 days showing the amount and frequency of the client’s income
  • A detailed list of the your monthly living expenses, i.e., food, clothing, housing, utilities, taxes, transportation, medicine, etc.
  • If self-employed, copies of monthly profit-and-loss statements for the past six months
  • Copies of any lawsuits or judgments, regardless of whether the client is a plaintiff or defendant
  • Copies of any family trusts or prenuptial agreements

Step Three – The Consultation

Once we have taken your financial x-ray, we offer a free consultation in our office to discuss your bankruptcy options and fee arrangements.  There is no pressure and you are under no obligation to make a decision and the consultation.  If you decide to hire us, we will send you a fee agreement to get your case started.

contact us
Law Offices of Carl H. Starrett II
1941-C Friendship Drive
El Cajon, California 92020-1144

Phone: (619) 448-2129
Fax: (619) 448-3036
disclaimers & stuff
First, the firm is a debt relief agency according to the U.S. Bankruptcy Code. We help people file for bankruptcy. We also do other stuff and we do it well, but Congress wants me to post this notice.

Second, nothing on this site is legal advice. You are not my client unless you enter into a written agreement signed by you and me.