Additional attorney information here
Additional consumer information here
If you are looking for information to
assist you in filing a case "pro se"
(without an attorney) you will need to
find a different source.
Includes unlimited phone
and email support.
(Note: Seethuma is the business name)
CLIENT AID offers clients the assistance to prepare the necessary documentation
and information in a less stressful and more supportive way. Clients that are prepared and well organized reduce
costs making it a win-win for both parties.
The Bankruptcy Abuse Prevention and Consumer Protection Act dramatically changed the requirements and
responsibilities of both debtors and attorneys approaching bankruptcy.
The law requires that additional documentation be provided by a debtor. A partial list:
Income tax returns or transcripts from the prior 3 years;
Pay stubs for the previous 6 months from all employers;
Comprehensive list of personal property with valuations.
Obtaining these documents and information can be a difficult, time consuming and in some cases, costly process
for both attorney and client. By using CLIENT AID, attorneys get the benefit of extra staff
without the additional cost. Clients benefit from the increased attention and support CLIENT AID
Attorneys have long recognized the need to carefully review information provided by clients when preparing
bankruptcy petitions. The law adds new emphasis to this process. Attorneys will now be liable for unlimited
amounts if clients misrepresent their financial condition or the value of their assets. Attorneys must make a
"reasonable" inquiry into the circumstances leading up to a bankruptcy filing.
Much of the additional documentation required will assist attorneys to ensure the information provided
in a bankruptcy petition is accurate, but a pro-active approach to some information will be prudent.
CLIENT AID will assist attorneys and their clients to obtain:
Auto and Real Estate Valuations;
Documentation on liens;
A Credit Report.
Expenses and Income
In additional to the court required documentation, additional items that will verify both the expenses and the
income of clients are also being asked for in some districts.
Utility bills for the previous 3-6 months;
Credit card and loan statements from the previous six months;
Financial account (bank and brokerage) statements for the previous six months.
Many attorneys provide a handful of papers to clients that include disclosures and questions to fill out detailing
the information needed to prepare a petition. CLIENT AID provides a Bankruptcy Workbook with disclosures,
checklists and space for all the information necessary to prepare the petition.
The law requires that all clients obtain a credit counseling "briefing" prior to filing a petition AND attend credit
counseling courses prior to receiving a discharge. CLIENT AID will assist clients in scheduling and
obtaining the required documentation for the pre-filing briefing.