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This will include all loans whether they are secured or unsecured, medical bills, and a complete listing of any accounts such as savings or checking that you have. Make sure to include a full listing of any investments you may have and their current value. It's not a good idea to leave anything out. If it is found out later you will face serious legal issues, be honest. In many states you will be allowed to keep some personal property like your home and a car. It does vary not only from state to state but also depending on how much equity you may have in your home. Many states will set limits to the amount of equity you can have in your home and still be able to keep it. 3. When gathering up your paperwork make sure to include the last few years of income tax records along with all your pay stubs for several months. 4. Once you've hired your attorney, have an honest conversation about what option you should choose, Chapter 7 or Chapter 13. Each form has it's pros and cons and your attorney can help you decide which form would be best for you and your circumstances. 5. Even if you choose to hire an attorney, make sure you are as proactive during the process as possible. It's important that you stay in close contact with your attorney to make sure there are no surprises. You should also go to all the hearings even though this can be a time consuming and stressful thing to do. The truth is that many people will hire an attorney and just step back. That is not a good idea. Any good attorney will have dozens of clients and while you'd like to think that they have all the facts about your case readily available, the fact is that they can overlook things and forget things. It's important that you pay close attention so you can point any oversights out to your attorney. After all, this is your life and your future on the line. If it ever comes the time to do a personal bankruptcy filing, the tips listed above can take at least a little of the fear out of the process. You've heard the saying that knowledge is power, use this knowledge to help you make this difficult time a little less stressful. Title: 5 Powerful Reasons WHY Niche Content Sites Are Being Considered The Way To Go In 2006Word Count:852Summary:This article explains the importance of Niche Content Sites, how to profit from them, and 5 powerful reasons WHY you should get started with them in 2006.Keywords:niche marketing,content sites,article directory,niche blogs,google adsense,Article Body:"Content Is King"... and will remain 'King' for as long as the Internet exists and is for this very reason WHY you'd be smart to build a network of these sites for yourself to profit from for years to come. This strategy is critical and more advisable for those who have a long list of goals. 8. 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