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IF YOU ARE CONSIDERING FILING A BANKRUPTCY CASE, PLEASE CALL TO SCHEDULE AN APPOINTMENT FOR A CONSULTATION. THERE IS NO CHARGE FOR THE CONSULTATION. AN ATTORNEY WILL REVIEW YOUR FINANCIAL SITUATION AND ASSIST YOU IN DECIDING IF FILING A BANKRUPTCY CASE IS RIGHT FOR YOUR.

YOU WILL NEED TO BRING THE FOLLOWING DOCUMENTS TO YOUR FIRST CONSULTATION:

1. All bills, statements and coupon books.

2. If you are buying a home or other real estate, bring a recent statement or coupon book.

3. If you are buying an automobile, bring a recent statement or coupon book.

4. Proof of your income for the last two (2) months:

If you are paid monthly, bring your 2 most recent payroll stubs
If you are paid biweekly, bring your 4 most recent payroll stubs
If you are paid semi-monthly, bring your 4 most recent payroll stubs
If you are paid weekly, bring your 8 most recent payroll stubs

If you have other income such as pension or Social Security income, bring proof of your income. If you receive income by direct deposit to your bank account, you may bring your bank statement as proof of income.

5. Federal Income Tax Return for the preceding tax year

6. Certificate of Pre-Bankruptcy Credit Counseling. See next page for instructions on how to obtain this certificate.

Daisy M. Holder
Attorney at Law
1625 Financial Center
505 20th Street North
Birmingham, AL 35203-2605
Phone: (205) 251-2334
Fax: (205) 328-8060
E-mail: holderesq@aol.com

REQUIREMENT TO OBTAIN A CERTIFICATE OF
PRE-BANKRUPTCY CREDIT COUNSELING

You are not eligible to file a Chapter 13 Bankruptcy Petition (Debtors Court) or a Chapter 7 Bankruptcy Petition unless you obtain a certificate of pre-bankruptcy credit counseling. The credit counseling must occur within 180 days prior to filing bankruptcy.

The Consumer Financial Education Foundation of America, Inc. has been approved by the Bankruptcy Administrator's Office to provide a Certificate of Pre-Bankruptcy Credit Counseling.

Consumer Financial Education Foundation of America (CFEFA)
Frank Nelson Building, Suite 600 (Downtown Birmingham)
205 North 20th Street
Birmingham, AL 35203
Phone: (205) 321-2822
Fax: (205) 321-2848
Website: www.CFEFA.org

You will need the following for pre-bankruptcy credit counseling:

A. You will need to make an appointment or visit the CFEFA website. If you choose to appear in person for the consultation, the counseling usually takes approximately 30 minutes.

B. The fee is $35.00 (cash or debit card).

C. You will need a picture identification and your Social Security Card (if it is available).

D. You will need proof of your income.

E. You will need your bills and statements to show the amount of your debt.