INSTRUCTIONS FOR USING RAPID IMPORTS (also known as "StopMyBills.com") :

PLEASE READ THIS ENTIRE PAGE BEFORE STARTING

IMPORTANT: The Bankruptcy Reform Act of 2005 requires that every Debtor provide a complete and accurate listing of all of their assets and liabilities (debts).  Should you fail to provide correct information, then your bankruptcy case can be dismissed and the Court can impose sanctions, including criminal sanctions.

All the information on your bankruptcy documents must come from reliable sources. You will be asked to determine the value of your assets. It is your responsibility to obtain these values and retain proof of the source of the values (if possible). If you use the Internet, classified ads or other source for the values, please save a copy.

Below is all the information that you will be asked about when entering the data at Rapid Imports. It is very important you complete this information to best of your ability and knowledge. This information will be used to prepare your bankruptcy documents.  It is very important that you completely fill in all applicable areas.  Please do not be lazy and fill out the form with the thought that you will "gather the information later".  This will delay the process and frustrate you even more than you already are.

Keep in mind: it is easier to gather all of your information before you begin Rapid Imports.  But the process can take some time depending on your unique circumstances.  Therefore, you can stop at any time by clicking on the FINISH LATER link at the top of the page. This will then save all your information.  When you return to enter more data be sure to use the same social security number or you will be asked to start as though you were a new visitor.

Rapid Imports will ask for the following information in the same order as these instructions.  Rapid Imports is encrypted using 128-bit SSI, the highest level of encryption that US export law allows. Therefore, this is a secure web site - your answers will only be accessible by our office.

IF YOU ARE MARRIED: the husband’s information needs to be first and the wife’s information entered as "Spouse"; no matter who is filling out the form. The standardized bankruptcy documents require this procedure to be followed.

1.) General Information: (Husband First)

            Name, Phone Numbers, Address, Mailing Address (if different from mailing address)

The following areas will ask for: Brief Description, Estimated Value, Location of the Property, and who the owner is.

2.) Property: (this is ALL of your assets)

        A)    Real Estate Property  (land, house, townhouse)

               Example:                    Brief Description:                                   3 bed / 2 bath / 1800 sq ft,
                                                List the month & year the property was purchased
                                                Estimated Value:                                    $150,000.00 (example only)
                                                Where is this property located?:              Address
                                                Owner:                                                 Husband, Wife, Joint? 
You may use the following websites to help find the value of these items: www.HouseValues.com www.AzMarketAnalysis.com , www.SmarterValue.com

         B)   Personal Property:  Each of the item need will ask that you fill in:

                      Estimated Value:                      actual stated value (for instance your IRA) or yard sale, park-n-swap, pawn shop.
                      Where is the property located?  Debtors residence, storage unit, someone’s house, etc..
                      Owner:                                    Husband, Wife, Joint?

            *All Checking, Savings, or other financial accounts (excluding IRA’s)
            *Security Deposits not yet returned to you
            * Household goods or furnishings:  The easiest way to do this is to inventory the large and/or expensive items in your home and storage. Combine as many items as possible.  It does not matter if they are from different rooms in the home. Include all appliances.  Do not forget items that you may have in a storage unit, something someone else may have of yours, or your garage.  **NOTE: There is only room for 100 characters in the description. List as many as you can and then combine the total yard-sale value of the items listed for the Estimated Value. Make as many of these combined entries as you need.

                        Example:  2 couches, love seat, 2 end tables, coffee table, 6 lamps, 2TV/stands, 2 book shelves
                        Estimated Value (yard sale value):       $250.00
                        Where is the property located?            Debtors residence, storage unit, someone’s house, etc..
                        Owner:                                               Husband, Wife, Joint?

            * Books, music, collectibles, or other art
            * Clothing
            * Furs and Jewelry
            * Firearms or other hobby equipment
            * Interest in Insurance policies
            * Any Annuities
            * Interest in education IRA’s
            * Interest in and IRA or other pension plans
            * Stock or interests in any businesses
            * Interest in partnerships or joint ventures
            * Government or corporate bonds
            * Alimony or support which you are entitled to but have not yet received
            * Any debts owed to you, including a tax refund
            * Future Interest, Life estates, special rights, or powers
            * Death benefit plans, life insurance policies, or trusts
            * Any unliquidated claims (An unliquidated claim cannot be mathematically calculated or is subject to a contingency)
            * Any patents, copyrights, or other intellectual property
            * Any Licenses, franchises, or general intangibles
            * A customer list from any businesses you operated in the last 8 years
            * Automobiles, Trucks, Trailers, or other ground vehicles

You may use the following websites to help find the value of vehicles:  www.kbb.com, www.edmunds.com, www.nadaguides.com, www.redbook.com, www.carquotes.com

            * Boats, motors, boat accessories
            * Aircraft or accessories
            * Any Animals
            * Any other personal property not listed above.

             3.) Debts: (list ALL debts that you owe - NO EXCEPTIONS.  Yes, this includes money that you owe your friends and family.)

You will need the following information for each of your creditors.  A creditor is anyone who you owe money to or who you might owe money to, or has a right to sue you or could have a right to sue you.

      1)     Creditor's Name
2)
     All addresses you have for this creditor.  There are usually 2-3 addresses on any statement or bill.  Make sure to check the front, back, and all the fine print.**see below**  If you have several credit cards or debts with the same creditor list all account numbers on the same address entry.  There is no reason to list an address more than once. 
3)
     Account Number *a collection companies account number may be different than the original creditors account number*     
4)     Who is responsible for this debt: if you are married and the debt was opened while married then it is a "joint" debt.  If you were not married when the debt was opened then list the debt as "husband" or "wife".  If you are not married at this time list the debt as "husband", even if you are female.
5)
     Date Incurred: (this is the date you opened the account, you can sometimes find this date on your credit report)
6)
     Amount Due: (do not worry about the amount changing, Do Not round numbers, Use the amount due on the most current statement that you have).  List the amount owed on the original creditor.  Otherwise it will appear that you owe far more than you really do.  Do not list the collection company as being owed any money - that should already be listed on the original creditor's entry.
7)
     What type of debt? (car, house, credit card, medical bill, etc...)   
8)
     If this account has been assigned to another company, such as a collection agency or attorney, you will need the following information: Assignee Name, address, and account number.  List "notice only" in the amount owed or leave blank.  Make sure to list the amount owed on the original creditor's entry.
9)
    
If anyone, other than your current spouse, co-signed on this debt you will need the following information: their name, address, and any additional names they may have used in the last 6 years 

(If there is not enough room for you to enter all of the collection companies and/or attorney’s, you may add them as a new entry, please refer to them as “COLLECTION COMPANY -or- ATTORNEY FOR (fill in the creditor’s name)”

** VERY, VERY, IMPORTANT!! THE LAW REQUIRES THAT YOU USE ALL ADDRESSES AND ACCOUNT NUMBERS IN ANY STATEMENTS / BILLS / CORRESPONDENCE RECEIVED FROM THE CREDITORS OR THEIR COLLECTION COMPANIES IN THE LAST 90 DAYS AND/OR AVAILABLE FROM ANY OTHER SOURCE (CREDIT REPORT, MAIL OLDER THAN 90 DAYS, PHONE BOOK, OR INTERNET) IF YOU DO NOT, THEN THE CREDITOR’S DEBT MAY NOT BE ERASED AS PART OF YOUR BANKRUPTCY!**If your creditor does not receive notice of your bankruptcy, then they may be able to sue you after your bankruptcy is completed.

Credit reports are rarely accurate or complete and many medical creditors are not listed in your credit report. You will need to investigate the names & addresses of all providers. You may try WWW.BOMEX.COM

4.) Dependants:     You will need to list anyone that you can claim as a dependant on your tax returns.

5.) Income:  The Bankruptcy Code requires that all debtors provide the total amount of income they have earned in the last full six months before filing their bankruptcy case. This includes all commissions, bonuses, gifts given on a regular basis, etc. Gather all that information so you can discuss it with Ms. Drain.  You will need copies of all pay stubs, 1099’s or other evidence of payment received in the last 6 months.

* Please remember, if you are married, enter the husband’s income information first, then the wife as the "spouse".*

 You will need to list:
A)
    Your occupation(s)
B)    Employer Name
C)
    Employer Address
D)
    How long you have been employed there
E)
    
And a current pay stub showing all of your withholdings

6.) Expenses: (monthly)  You are also required to list all normal monthly expenses. Review your bank statements, bills, and pay close attention to those bills that you only pay periodically, like car insurance, or car registrations that are sometimes paid quarterly, semi-annually, or annually.           

Rent / Mortgage
Utilities:
            ~ Electric
            ~ Water / Sewer
            ~ Phone
            ~ Other
General Expenses:
            ~ Home Maintenance
            ~ Food
            ~ Clothing
            ~ Laundry / Dry Cleaning
            ~ Medical / Dental (other than premiums deducted from any pay checks)
            ~ Transportation (gas / vehicle maintenance)
            ~ Recreation
            ~ Charitable Contributions
Insurance:
            ~ Homeowners / Renters (only if it is not included in a mortgage or rent payment)
            ~ Life Insurance
            ~ Health Insurance (other than premiums deducted from an pay checks)
            ~ Auto Insurance
            ~ Other (please specify)
Installment Payments:
            ~ Auto
            ~ Other (please specify)
Other Monthly Expenses:
            ~ Taxes
            ~ Alimony
            ~ Payment for Dependants
            ~ Business expenses
            ~ Miscellaneous (please specify)

7.) Previous Income:

            You will need to have all pay stubs for the last six full months.  For instance, if today is March, 13th, 2008, you will need all pay stubs back to September 2007). You will also need the last two full years of annual income. For instance: if it is March 13th, 2008, you will need what you have made so far in 2008, and what you made in 2007 & 2006.)

*Again, if you are married, enter the husband’s income information first, then the wife as "spouse".*

You will also be asked to enter any other type of income (other than from employment) for the past two years.

8.) Financial Affairs:

            You will need to list the following: 

            ~ Payments to any creditor totaling more than $600.00 in the last 90 days
            ~ Any debts repaid to relatives, friends, partners, or business associates in the last 12 months
            ~ Any lawsuit or legal proceeding you have been involved in, in the last 12 months.
            ~ Any property taken or wages garnished as a result of a lawsuit or legal preceding in the last 12 months
            ~ Any property repossessed, sold in a foreclosure, or returned to the seller in the last 12 months.
            ~ If you have signed over of any rights in any of your property to any creditor in the last 4 months
            ~ Custodian or court appointed person who took custody of any of your property in the last year
            ~ Any charitable Contributions over $100.00 in the last year
            ~ Any single gift to family members worth more than $200 (fair market value) in last 12 months.
            ~ Any losses due to fire, theft, other disasters or gambling in the 12 months
            ~ Any payments made for debt counseling ( including your attorney) in the 12 months. 

9.) PLEASE READ - THIS IS VERY IMPORTANT: At the end of filling out all the information you can press "complete".  At that time an e-mail will be sent to our office indicating that you are done entering all the data.  THEREFORE, DO NOT PRESS COMPLETE unless you are really through.  If you press "complete" and then realize that you forgot some information you must call us to make certain that we have not already downloaded your data. Once we have downloaded your data you must not make any changes in the Rapid Import because the changes will be included in the documents on file with our office. Call us for directions on how to handle this situation. 

Call our office if you have questions that are not answered on this page.  PLEASE REMEMBER YOU ARE NOT ALONE.  WE ARE HERE TO HELP YOU, BUT FIRST YOU MUST DO YOUR BEST TO GIVE US ACCURATE INFORMATION.

                                                  Diane L. Drain