Your bankruptcy attorney St. Louis MO Tobias Licker offers a free consultation for more information about any question that cannot be answered through the general answers on this website. Preparing your petition starts with providing a list of your creditors to our office, and other information about your income, expenses, and property you own. We recommend that you check your credit report when providing information about your creditors. When we download your credit report, it will save you time as we will include all creditors from your credit report on your bankruptcy petition. In most cases, clients start their case after the initial consultation and have us download their credit report. You only would need to check which creditors are not listed on the credit report as not all creditors report to credit bureaus.