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Yes. Medical bills, credit cards, mortgages and car loans on surrendered or lost collateral, personal loans, bank fees, utility bills, etc. can all be discharged in bankruptcy assuming the court doesn't deem any of the debts to have been acquired by fraud. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts and law, which I do not warrant, and I am not suggesting any course of action or inaction to any person. Speak to a lawyer for specific advice. If you have any questions, please refer to a lawyer in your jurisdiction. Thanks!
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It is beneficial to have all bills/documents relating to BK when you file. The court realizes, however, that things get lost or misplaced. The filer should make a real attemp…t to supply all the necessary documents for the trustee. Any debts which cannot be proven to the satisfaction of the trustee, could be excluded.
Answer Not without committing fraud.
Of course. In fact it is the number one cause of BK filings. And understand...you file BK on everything you have, assets and debts. Some are exempt from being liquidated or …cleared, but you do file them. I had a bill that was not large enough to justify filing for bankruptcy but still difficult to pay. I used http://www.klfinancialservices.com to negotiate my 10k medical bill down to 4k. Obviously filing for BK may be the best case if you have very large bills.
No. Bankruptcy involves everything you owe and everything you own. No exceptions. YOU DO NOT PICK AND CHOOSE. Basically, your assets are used to pay your debts. Ob…viously, it is unfair, and not the intention of BK to let you keep the assets of value you want, and escape paying for the things you don't want to pay for. After all things are listed, they are given different legal priorities. Somethings of each are excluded (like your personal furniture can't be taken, nor can child support be discharged). They must be listed to be given the proper handling by the court. not doing so has severl very bad implications: First, you swear to the court that you are doing so and not doing is a criminal act, prosecuted as fraud. Anything not listed isn't protected...and the entire case can be dismissed.
Yes. They are includable, (like all debts and assets MUST be - you don't get to do it on some...YOU go BK not a debt), and dischargeable. Anticpate he would argue t…o make sure all your assets are extinquished before he has to give up any of what you owe him
Don't understand the phrase "incarceration bill," but if it has anything to do with something owed to the government, no, you can't. Debts owed to the government are not… discharged during bankruptcy, only private debts.
Why would anyone possibly want to do so? BK is a very, very bad thing. You do not pick an chose what is included...and everything...verything you own and owe, is in…volved. You don't just discharge debt...your assets are used to pay off debt, and if your insolvent (more debt than assets), some excess may be discharged.
If they are not in your name. they are not your bills. You cannot file for a discharge of other people's debts. The exceptions are situations in which you can prove you are th…e actual debtor and the other person was acting on your behalf solely for your benefit.
yes but it is expensive
Count against you for what? Filing bankruptcy of any type for any reason will have an effect on you, particularly your credit worthiness And you do not file on any specific …bills. YOU go bankrupt on everything you own and everything you owe. No exceptions.
Yes, you can. If you are current, but struggling with credit card debt, medical debt, or other unsecured debt. If your income is less than the median family income for your st…ate, you can probably file chapter 7. If over that amount, you may have to file a chapter 13. Consult an experienced bankruptcy lawyer in your area.
No, you cannot file my cell phone bill in a bankruptcy. However, you can file YOUR cell phone bill in a bankruptcy.
Yes, you need to have some form of credit counseling approved by the U.S. Trustees program. You must also take a finacial management course before you file for bankruptcy. T…he best thing to do is hire an bankruptcy attorney to guide you through the process.
Do you mean 6 years after receiving a discharge in a Chapter 7 bankruptcy or are you referring to medical bills that are six years old? If you've already received a discharge …in a Chapter 7, you must wait 8 years between filing. If the bills are 6 years old, they may be too old to collect because of the statute of limitations, but you can still discharge them.
Yes. Many people who do a bankruptcy by themselves or by inexperienced lawyers leave out doctor, dentist or friends' debts. If you omit them, you're committing fraud and can f…ind your discharge revoked and going to federal prison for a vacation.