Take a file folder and put a statement from every creditor that you owe in it. In case you do not receive a every month statement from the creditor, put the following information on a sheet of paper and put it in your file:

· Name and complete mailing address of who you owe;

· Your account number (if applicable);

· The name of who owes the debt (husband, spouse or both);

· The total amount you owe this creditor;

· How much your every month payments are;

· The date you originally went in to debt with this creditor if you do not remember the exact date, an approximate year i.e., 2001, 2002, 2003, etc. will do;

· If the debt is for a credit card, record the last date you charged on this credit card. In case you charged less than 90 days ago, you need to write down the amount you charged and the reason for the acquisition.)

· In the same file folder, also put in the following documents:

· Your current pay check stubs;

· In case you are unemployed, include copies of documents showing any income you receive(d) from unemployment, workers compensation, infant support, SSI, social security, retirement, estate, etc.

· Mortgage and deed in case you own or are purchasing a home or other actual property (i.e., land, apartment complex, etc.);

· Copies of your automobile, boat, motorbike, mobile home or other titles to motor vehicles;

· Copies of your tax returns;

· Copies of any court proceedings filed against you;