Before you meet with a bankruptcy attorney, it is helpful to obtain copies of your credit reports from Experian, Transunion, Equifax. Once per year you can obtain free copies of all three by visiting: www.annualcreditreport.com. If you are working with me I prefer electronic copies of your credit reports so you can send them to me as PDFs or wait until we meet and I will get them for you. There are many websites out there that seek to take advantage of consumers looking for a copy of their credit report so BE CAREFUL.