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Before discharge of a chapter 7 in a bankruptcy can you applied to a new credit card?
AndreTournoisis
Bankrutpcy is much more complex than you seem to appreciate.
New debts CAN be discharged...that doesn't mean they WILL be...or that other things, even criminal fraud charges for incurring them in anticipation of BK won't be filed. And if the get them, you weren't completely honest on that credit application (which if your close to BK would seem to be clear...as someone that is wouldn't get credit)...well that's criminal too..in writing..
Most all your dealijng for 2 years at least before filing are subject ot reversal, or nondischarge by the court.
And of course the car loan won't be just discharged...it will be a secured claim and the car will be taken and used to pay the debt anyway.
Get financail and or legal help if BK is possiblein your future.
Wiki User
∙ 12y ago
Wiki User
∙ 15y agoAsk your attorney, but many judges would consider this intentional fraud and may disallow the credit cards as part of the bankruptcy.
It is certainly not honest to buy things knowing you don't intend to pay as agreed.
Wiki User
∙ 14y agoNo legitimate commercial lender will grant you credit while you are in a Chapter 7. Any applications will be turned down and will adversely affect your credit score. The only possible credit situation would be a mortgage restructuring, if you are reaffirming the mortgage, and even then they prefer to wait until you are discharged.
Wiki User
∙ 16y agoYou can apply for anything you want. You must disclose your status by answering the credit application fully. The choice to grant you credit is the one issuing it, and theirs alone.
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When can you refile bankruptcy after a previous bankruptcy discharge?
That depends on your situation. If you have filed but not received discharge of debt, then you may refile immediately. If you filed for chapter 7 and received discharge of debt, then you can file eight years after discharge date for chapter 7. If filed under chapter 13 and received discharge of debt, can refile after two years for same chapter 13. http://www.jacksonwhitelaw.com/what-we-do/get-help-filing-for-bankruptcy/ If the first bankruptcy, C. 7, was dismissed for cause, you have to wait 180 days before refiling. If you file a C. 7 and get a discharge, you can file a C, 13 immediately after the 7 is closed, called a "Chapter 20" by bankruptcy lawyers who know what they are talking about.
Can you file for chapter 13 bankruptcy more then once?
Yes, but if you have previously filed a chapter 7, you must wait 4 years before allowed a chapter 13 discharge.
How many times can you file Chapter 7 bankruptcy in a lifetime?
Under the new law taking effect on 10/17/05, you need to wait 8 years after a Chapter 7 discharge before you are eligible for another Chapter 7 discharge.
If You Filed chapter 7 in 2002 can i refile?
Under the new Bankruptcy laws you must now wait 8 years before filing another Chapter & or Total Bankruptcy as it is better know. You may be eligible to file if eligible a Chapter 13 to structure repayment to those creditors.
Chapter 7 discharged bankrupcya cousin is now trying to take you to court for money that you borrowed a year before you filed for bankruptcy are you protected under the bankruptcy?
If you included it in your bankruptcy, you're protected by the discharge. If you didn't and you're already discharged from Chapter 7, you may not be protected. I suggest you discuss this with your bankruptcy lawyer.
Does buying a new car with an open bankruptcy affect your bankruptcy?
If you filed a Chapter 7 bankruptcy and buy a car before the discharge is issued, there's no impact on your case. If you're in Chapter 13, however, your disposable income post-filing until discharge may be considered property of the estate; in addition, if you're financing the new car then you likely need to have the court's permission before entering into the financing agreement.
How long do you have to wait to file another chapter 7 if you filed one before the new bankruptcy laws took affect?
8 years from the date of discharge of the previous chapter 7.
Can you file for bankruptcy when your husband did before you were married?
Yes you can, he may on the other hand will not be able to receive a discharge under the same chapter for 6 years.
If you receive a large sum of money before your chapter 7 bankruptcy discharge does it need to be reported?
Yes, even for 6 months after discharge. Depending on the source of the money, the trustee may have no way to take it, but not reporting it will leave you open to challenge later on. Ask your lawyer or get an experienced bankruptcy lawyer.
Can you change a joint bank account with a parent before chapter 7 bankruptcy in ny state?
Yes you can change a joint bank account before a Chapter 7 bankruptcy. You should have your finances in order before you file a bankruptcy.
Bankruptcy discharged 7 years ago can you file again?
The consumer is eligible to file for a chapter 7, six years after the discharge of a previous one. Although bankruptcy courts are begining to be reluctant about it. It's becoming more common that,if a debtor can pay as little as $100 a month the court will only accept a chap. 13 filing.
Is a discharge the same as a dismissal in chapter 13 bankruptcy?
No. If the bankruptcy is dismissed, it ended before it was completed, very likely before discharge, although sometimes and objection to discharge is filed after something happens to make the discharge voidable by the court (trustee finds unlisted assets, for example). A discharge is essentially a permanent restraining order prohibiting any creditor from trying to collect a debt from the debtor, unless specifically exempted (child support arrears, some taxes, student loans, etc.).
