DO NOT:

~ use any of your credit cards, obtain cash advances, use convenience checks, or do balance transfers on your credit cards after you have begun to consider bankruptcy.

~ pay loans to family or friends.

~ leave assets off your Bankruptcy Petition.

~ fail to let your attorney know if you are getting a substantial tax refund.

~ fail to let your attorney know if you are about to receive an inheritance or large insurance settlement.

~ try to hide income from your small business.

~ sell, transfer or give property to anyone without talking to your Bankruptcy Attorney.

~ cash out retirement plans or 401k’s.

~ take out a second mortgage.

~ hide assets or debts.

~ take out "payday loans."

~ fail to list debt to family or other "insiders."

~ write bad checks.

~ forget to tell your Bankruptcy Attorney about liens you may have on your home so they can be avoided.

~ make major financial decisions without consulting a Bankruptcy Attorney.

~ misrepresent any facts to your Bankruptcy Attorney or the Bankruptcy Court.

~ incur more debt once you have considered bankruptcy as an option.