What are the specific documents I must gather before filing for Chapter 13 bankruptcy in California?

To file for Chapter 13 bankruptcy in California, you must gather specific documents that prove your income, assets, debts, and monthly expenses. This documentation is essential for completing your bankruptcy petition and schedules accurately. Here are the steps to gather the necessary documents: Step 1: Collect Your Income Records Gather pay stubs for the six months immediately preceding your filing date. You also need your most recently filed federal and state tax returns; having the last two years of returns is best practice. If you receive income from other sources like a business, unemployment, or benefits, collect documentation for those as well. Step 2: Document All Your Assets Create a comprehensive list of everything you own. For real estate, you need the property deed and recent mortgage statements. For vehicles, find the title (pink slip) and any loan statements. Gather the most recent statements for all financial accounts, including checking, savings, investment accounts, and retirement funds like a 401(k) or IRA. Step 3: Compile a Complete List of Your Debts Collect all current bills, collection letters, and original loan agreements. This includes credit card statements, medical bills, student loan statements, personal loans, and information on any lawsuits or judgments against you. You must list every creditor to ensure the debt is properly handled in the bankruptcy. Step 4: Obtain Your Pre-Filing Credit Counseling Certificate You must complete a credit counseling course from a U.S. Trustee-approved agency within 180 days before you file for bankruptcy. Upon completion, you will receive a certificate. This certificate is a mandatory document that must be filed with your bankruptcy petition. Important details and nuances: California has two different systems for protecting your property, known as exemptions (CCP 704 and CCP 703.140(b)). The documents you gather help an attorney decide which system best protects your assets. Due to California's community property laws, you will likely need to provide your spouse's financial information, even if they are not filing with you. Warnings and limitations: Do not transfer property, sell assets for less than they are worth, or make large or unusual payments to creditors (especially friends or family) before consulting an attorney. Such actions can jeopardize your case. The accuracy of your filing is critical, and omitting information can have serious consequences. This is general information and does not constitute legal advice. For complex situations, you should consult with a qualified California bankruptcy attorney to ensure your rights are fully protected.