Yes.... but you will pay higher rates and may have to shop around.
I think it depends on when your debts are discharged. If they were already discharged, it was a Chapter 7 bankruptcy, and it wasn't discussed at the creditors meeting, then the refund is yours. Besides, imagine if you filed on April 15th. You might not get your refund until later June or almost July, and that's months from when your debts were discharged. I'm pretty sure it's yours.
Normally, no. Sometimes you are required to show for some proceedings such as: Relief from Stay hearings sometimes 2004 exams any adversary proceeding Normally you never see the bankruptcy judge, just the Trustee.
Some strict limitations have been set by the new bankruptcy law. Debtors will not be able to file Chapter 7 bankruptcy if they've been through a Chapter 7 within eight years of the new filing. If they want to file for Chapter 13, they will not receive a discharge within two years of a previous Chapter 13 discharge and within four years if they were discharged from a Chapter 7, 11 or 12 bankruptcy.
Yes
At the very least, you needed to have them as a creditor, which they were, on your bankruptcy and had them agree/part of the resolution. If they were included, then show them the release they were part of and that should pretty much end it. If they weren't included, and especially if you didn't file a return (which means the statute of limitations is always open for them to assess), they can certainly collect, with penalties and interest (some of which at least the court standardly would have discharged). In fact, your new problem may be that not having told the court of your liability can be construed as criminal fraud.
10 years from discharge
1. You can not add anything that was not listed to a bankruptcy after it has been discharged. 2. 99% of the time they will never discharge a student loan. Student loans are loans to the government they want there money back end of story. 3. The good news is they will usually except any type of repayment plan as long as you talk to them about the situation. However, they will take your tax refunds or garnish your wages if you don't contact them and make an effort to pay them something.
Generally - Chapter 7 allows you to purchase a car or get a loan for a car after DISCHARGE (about 6 months after you goto court - you'll get a letter) Chapter 13 allows you to purchase a car at anytime WITH permission from the Trustee. Its called a Motion to Incur Aditional Debt. I went to court in August 2004. My debts were discharged October 2004. I just bought a car in December 2004. I got a good price and a high interest rate, but it was still a lower rate than I was paying on the car I included in the bankruptcy! I still can't believe how easy it was. If you're in the Puget Sound area, I can tell you where to find a car loan. What kind of downpayment did you have to do?
No, the IRS will get to keep it. And, even if you could get it back, the bankruptcy trustee would probably take it to distribute to your creditors.
Bankruptcy stays on your credit report for 10 years. If you filed in 2004 it will drop off the month of your filing in 2015.
Being Reel - 2004 was released on: USA: 2004
Under the current law you must wait six years, and the sad part about the new law is that you must first credit consulting company before filing and show proof that you tried to work things out and after doing so with help of an experience attorney he/she can then file your case. Good luck.