One part of the preliminary evaluation for any bankruptcy is to look at and determine exactly what type of debts you have. Many times this will guide a lawyer in which kind of bankruptcy will be most effective for your situation.
We offer a no-cost preliminary evaluation interview for anyone considering a bankruptcy. However, under the new Bankruptcy Law passed in October 2005, there are many items of documentation that are needed for this interview to be the most productive. To assist in evaluating your situation, you need to provide us with the following at the time of your first interview:
a) Pay history or income history for the past 6 months – This can consist of copies of your paystubs, a payroll history printout from your employer, or other documentation, such as a Social Security award letter where you receive the exact same amount every month. The law requires this information so we can determine if you qualify for a Chapter 7 or a Chapter 13 bankruptcy.
b) A credit report – This can be acquired on the internet by going to www.annualcreditreport.com and filling out the required information. You can secure a credit report from each of the three major reporting agencies: Experian, TransUnion, and Equifax. You can download these off the internet and print them out. These credit reports allow us to verify all reported debts, determine if you are the victim of credit fraud, and provide accurate name, address and account information for your listed creditors.
c) Copies of any bills that you owe that are not listed on one of your credit reports. (Not all creditors report their debts to a credit-reporting agency.)
d) Copies of installment sales contracts (as well as a title) on any vehicle or other item of personal property (i.e. boat, 4-wheeler, camper, trailers) that you own or are making payments on.
e) Copies of deeds or mortgage papers on any real estate that you own or on which you are making payments.
f) Copy of your county tax appraisal sheet for both real and personal property showing the assessed values.
Has your application for Social Security Disability benefits or Supplemental Security Income been denied? Contact an experienced Social Security Disability appeals lawyer at Clark, Byarlay & Sparks. Our attorneys aggressively pursue SSDI and SSI benefits for people whose applications have been denied. We have a proven record of results in SSDI and SSI appeals.
If you have worked and paid into the system, you have a right to receive benefits now that you have suffered a physical or mental challenge that has impaired your ability to work. Let us put our experience to work for you.
Do Not Give Up
Many people who should receive SSDI or SSI benefits give up hope and choose not to follow through with their appeal. They figure they will lose their appeal. What they do not understand is that most people have their initial application denied. Even people who have a very strong case for SSDI or SSI benefits may have their initial application denied, especially if they did not hire a lawyer to assist with their initial application.
However, there is good news. Many of the people whose initial application is denied ultimately do receive benefits if they keep fighting. Our attorneys have won numerous SSDI and SSI appeals on behalf of clients.
Social Security pays benefits through two programs: the Social Security disability insurance program (SSD) and the Supplemental Security Income (SSI) program.
Social Security Disability is a monthly payment for individuals who cannot complete a 40-hour workweek without missing work due to physical or mental problems. The inability to work must be one that will prevent you from working for at least one year. Medical evidence is necessary to prove your claim. You must also have worked and earned enough social security credits over a certain length of time in order to be eligible.
Social Security Disability for Adults is paid to a person who has earned 20 credits towards retirement or has worked five of the last 10 years.
Social Security Disability for Widows or Widowers is paid to a person that is at least 50 years of age and becomes disabled after the death of their spouse. The deceased spouse must have been employed and earned enough social security credits over a certain length of time in order to be eligible.
Social Security Disability for an Adult Child is paid to a child who becomes disabled prior to the age of 22. The child must have worked and earned enough social security credits over a certain length of time in order to be eligible. A child whose parents have died is also eligible so long as the child’s parents have earned enough social security credits over a certain length of time.
Supplemental Security Income (SSI) benefits are paid to someone who does not have enough social security work credits (earnings) and who has limited financial means (low income).
Supplemental Security Income for children up to the age of 18 is paid to the parent or guardian of a person who is disabled because of a mental or physical disability.
DO YOU NEED ASSISTANCE in FILING YOUR INITIAL SOCIAL SECURITY DISABILITY (SSD) or SUPPLEMENTAL SECURITY INCOME (SSI)?
We will assign someone experienced with SSI and SSD who will help you collect medical evidence, data and reports and help you complete the needed forms requested by the Social Security Administration in a timely manner so that when you file your initial application, you will have a better chance of winning your claim. We do not charge a fee unless we win your disability benefits.
HAVE YOU APPLIED AND BEEN TURNED DOWN FOR SOCIAL SECURITY BENEFITS?
We offer a free Social Security Disability (SSD) or Supplemental Security Income (SSI) case evaluation. If you have questions or believe you need to hire a lawyer with experience representing persons with disabilities, Please print out and complete the form provided by clicking the link below and fax it to us. Your claim will be received by our staff who will contact you to discuss your claim in detail, or refer you to someone that would be able to assist you. There is no cost or obligation for this evaluation service.