Bankruptcy should always be a last resort (see our Debt Relief section for bankruptcy alternatives). However, if you are determined to file bankruptcy but have not done so yet, then please take your time and don't rush the process - it is more important to ensure that all your bases are covered rather than to make a mistake that may cost you later.

• Obtain Credit Reports. You absolutely need to obtain your credit reports from the three major credit-reporting agencies (Experian, Equifax, and TransUnion). Fortunately, you can conveniently obtain all three of your reports online in only minutes.

1. With the reports direct from each bureau you will have access to a file number and a phone number needed for accessing customer service.

2. You will see the addresses for each creditor on the credit report. If it is not there, then you can call customer service to ask them to provide you with the missing information.

3. When you call the bureau you can ask them to provide you with the phone numbers for each of the companies showing on the credit report.

• Get Updated Information. You need the most up to date information you can have when filing for bankruptcy.

  1. Call each creditor and ask them how much is owed and for the address where payment should be sent.

  2. If they don't handle the account, then ask them for the name and address of the collection agency that will take payment.

  3. Call the collection agency and ask them how much is owed and for the address where payment should be sent.

  4. When dealing with creditors and collection agencies don