1. Do not leave out any Bank, Checking, Savings, Brokerage, Credit Union accounts from your schedules.

2. Do not file if your income is greater than your expenses.

3. Do not use your credit cards.

4. Do not take Credit Card Cash Advances.

5. Do not use convenience checks offered from any credit cards.

6. Do not do balance transfers between credit cards.

7. Do not pay money owed to Family Members.

8. Do not pay money owed to Friends.

9. Do not tell a creditor that you intend to pay.

10. Do not leave assets off of your paperwork.

11. Do not file if you are about to receive a tax return or an inheritance. Discuss the timing with your attorney.

12. Do not fail to tell your attorney about your small business, sole proprietorship, partnership, LLC, LLP, LC, corporation, or hobby.

13. Do not purchase a home shortly before filing bankruptcy without consulting your attorney.

14. Do not give away or gift any property to anyone.

15. Do not pay more than $600 on any past due bill without first consulting your attorney.

16. Do not transfer (title or deed) property to anyone.

17. Do not cash out retirement plans or 401k’s.

18. Do not take out a second mortgage.

19. Do not gamble.

20. Do not hide your assets or debts.

21. Do not take out “payday loans.”

22. Do not put your money in your kids’ bank accounts.

23. Do not omit or ‘save’ a credit card for you to use after your bankruptcy.

24. Do not fail to list debt to family or other “insiders.”

25. Do not write bad checks.

26. Do not borrow money.

27. Do not forget to tell your attorney about liens you may have on your home or unpaid judgments. They may be avoided.

28. Do not make major financial decisions without talking to your attorney.

29. Do not get married before filing if your spouse has a high income.

30. Do not misrepresent facts to your attorney.

31. Do not run up your credit cards in advance of filing bankruptcy.

32. Do not fail to appear at State court hearings, trial or proceedings; coordinate this with your attorney.

33. Do not hide from your attorney. Keep them up-to-date with your address, phone number and email address.

34. Do not bank where you owe money. Close the account and reestablish an account somewhere else. Social Security debtors who do this have a lag time of a few months because it sometimes takes that long for SS to get it done. If you are pressed to file then clear out the account as soon as the deposit hits the bank. This also happens with payday loans. Many of these companies will have a debtor sign a form to permit them to withdraw money from the account on a regular basis and these are nearly impossible to stop.

Note: Ask your attorney about accounts that might get frozen whether or not you owe that institution money or not.

Credit: National Association of Consumer Bankruptcy Attorneys