The Law Offices of Steven A. Wolvek

Helping Families get a Fresh Financial Start

Experienced Chapter 7 & 13 Bankruptcy Representation
and Debt Relief Legal Services.

Call Today for a Free Consultation
Evening & Saturday Appointments Avaliable
Toll-Free: (877) 925-2889

Bankruptcy Information

The first step in allowing us to determine your bankuptcy qualifications, is to fill out and submit our Bankruptcy Questionnaire Worksheet

To retain our services for bankruptcy representation, please contact our office and schedule an appointment with a licensed and qualified bankruptcy attorney. At your free, no obligation consultation, all your bankruptcy questions will be answered and we will make you familiar with all the forms of bankruptcy available, the chapter best for you, the bankruptcy process and our fee. We have payment plans available. If you have general questions, they can be answered by telephone or by e-mail.

Evening and weekend appointments are available at any of our California locations. Our contact information is as follows:

Law Offices of Steven A. Wolvek

Office:	(818) 227-3379 (760) 322-3379 (909) 875-8482 (951) 371-8482 (925) 937-3379 (510) 652-3379 (408) 297-3379
Toll Free:	(877) 925-2889
Fax:	(818) 227-3383
E-mail:	wolveklaw@sbcglobal.net
Mail:	Please send all written correspondences to the Calabasas office.
Online Form:	Fill out the form to the left to contact us.

After contacting our office and before your appointment, please start working on gathering the following information for your case:

A copy of your credit counseling certificate, (we will help with this)
Your last 6 months of pay stubs prior to the date your case is filed
A copy of your last 2 years tax returns
A recent statement from all of your financial accounts (checking and savings accounts, IRA, 401(k), etc.)
A list of all addresses you have lived in the last 3 years and when you lived there
A list of ALL your creditors including names, addresses, account numbers, and amounts owed. We recommend obtaining a credit report as well (see below.)
A copy of your driver’s license and social security card.
Complete the Bankruptcy Client Worksheet on this site.

RECORDKEEPING-IMPORTANT
Please do not throw away any financial records, such as bills, bank statements, or paycheck stubs.

PROOF OF YOUR LAST 6-MONTHS OF INCOME
Your qualification for bankruptcy relief depends on your income in the 6-months prior to the month your case is filed. You need to bring a copy of your pay stubs received over the last 6-months. If you did not keep them, you can request that your employer print out a record containing this information.

CREDITOR LIST
Federal law requires that you list all debts, even those obligations you intend or would like to repay. Please make sure that your creditor list is complete, because there is an additional fee to add creditors once the case has been filed.

CREDIT REPORTS
You can obtain a free credit report online. Many people have collection accounts they are unaware of. Others are victims of identity theft without even knowing it. Please obtain a copy of your credit report and bring it with you to your initial consultation or mail/fax/email it to our office after you retain.

BEFORE YOUR CASE IS FILED
You will need to get a consumer counseling certificate before your case is filed. We will provide you information regarding the course provider we recommend. Your certificate will be emailed to our office.

YOUR HEARING

You will be examined by a Bankruptcy Trustee. You will need to bring a valid driver’s license (or government issued photo I.D.) and social security card to your hearing. If you come to your hearing without proper identification you will have to come back. Additional fees will be charged for the additional appearance. You will be asked questions regarding your bankruptcy papers. An attorney from my office will be with you at your hearing.

SECURED LOAN STATEMENTS
Please be advised that your mortgage or car lender may stop sending you bills during the period you are in the bankruptcy and even after the discharge (if you have not reaffirmed (see below) the loan through the bankruptcy). Please continue submitting your payments & list your account numbers on the checks if applicable.

REAFFIRMATION
A reaffirmation agreement makes a debt legally binding on the debtor after filing bankruptcy. It is now mandatory to sign a reaffirmation agreement in Chapter 7 cases on auto loans, and other loans secured by personal property that you intend to keep. If you intend to surrender the item, of course it would be a huge mistake to sign a reaffirmation.

If you have not received a reaffirmation agreement from our office, please call our office the week after your hearing so that we can obtain one for you. The court can always refuse to authorize a reaffirmation agreement if it feels that a reaffirmation is not in your best interest. We will advise you when and if this applies to your case.

UPON FILING A BANKRUPTCY

After filing any form of bankruptcy, you will have an "automatic stay" which is like a restraining order. Creditors will be prohibited from contacting you by telephone or mail, foreclosures, repossessions, garishments and law suits are also stopped immediately upon filing.

AFTER YOUR HEARING

In Chapter 7 cases you must take a financial management course after your case is filed and within 45 days of the hearing in order to receive a discharge. If you do not take this course and provide us with your certificate to file with the court, your case will close without a discharge and you will pay additional fees. Please complete the 2nd course as soon as possible. We will advise you when you are at this step. In Chapter 13 cases this must be completed before your last payment is made.

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