Chapter 13  Lawyers in Miami

Documents You Need to File for Chapter 13

One of the biggest concerns people have about filing Chapter 13 is the paperwork. While it may seem intimidating, having the right documentation is key to building a repayment plan that works and is approved by the court. 

Here’s what you need and why it matters:

Proof of Income

This includes pay stubs from the past six months, W-2 forms, and tax returns for the past two years. If you are self-employed or earn non-traditional income, additional records like profit-and-loss statements or rental agreements may be required. This helps the court assess your ability to make consistent payments.

Debt Information

Complete account statements for all debts, including credit cards, personal loans, medical bills, student loans, or any collection accounts, are critical. These documents show the total amount owed and who your creditors are. 

Property and Asset Records

Vehicle titles, mortgage statements, property deeds, and even life insurance policies with cash value must be documented. These records help establish your total asset value and how they factor into your repayment obligations.

Monthly Living Expenses

Utility bills, insurance premiums, transportation costs, child care, and food expenses are reviewed to ensure your repayment plan is realistic. We help you create a full snapshot of your monthly costs so you don’t commit to a plan you can’t sustain.

Bank Statements and Financial Accounts

Checking, savings, and investment account statements for the past six months are typically required to verify your cash flow and financial activity.

How Our Chapter 13 Bankruptcy Attorneys Can Help

Collecting these documents can feel overwhelming, but you won’t be alone in the process. The Law Offices of Gonzalez & Associates will provide you with a customized checklist, secure digital upload tools, and one-on-one guidance to make sure that nothing is missed. 

Furthermore, because we understand how factors like Miami’s high housing costs or unique property ownership issues (for example, condos subject to association fees) can affect your financial picture, we can customize your repayment plan to fit your circumstances.