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Can you file bankruptcy for doctor bills?
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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Can you file bankruptcy when you are not behind in bills?
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.
What can you file in bankruptcy?
Typically when you file bankruptcy, you have to disclose all the assets that you have. And so everything you own can be susceptible to review by a bankruptcy court. … However, certain assets can not be touched because they are considered essential for either your well-being or your means of making a living. A car sometimes can not be touched because it is considered vital to your ability to make a living. However, different states have different laws on the treatment of assets. I would highly recommend you check the laws in your state.
How many year after you file bankruptcy can you file bankruptcy aging?
If you are talking about a Chapter 7 bankruptcy, It takes 7 to 9 years after you can file bankruptcy again.
How can you file for bankruptcy?
How to file for bankruptcy online The following paragraph sounds very intimidating to a bankruptcy consumer, but in reality, it is not. The stack of forms to file bankruptcy… is about 1/4 inch thick, there are Mandatory Credit Counseling and Debtor Education courses to take, and a Meeting of Creditors that you must attend. To fill out the bankruptcy forms, you can consult a "Bankruptcy Software for Consumers" program. You can find a quality one for under $45 online. Most bankruptcy software companies also post a "Bankruptcy without an Attorney" tutorial on their website, to guide you through the non-paperwork steps of a typical bankruptcy. You can find a detailed tutorial at the following link: http://www.ezbankruptcyforms.com/how-to-file-chapter-7-bankruptcy-without-a-lawyer.html You can get bankruptcy forms for your state online. Also,Consumer Credit Counseling service, in your state, will review your situation and give you a certificate. My understanding is that you must have the certificate to file. And, for anyone filing in Hawaii, the MAXIMUM amount of equity you have in your home, for a couple, is $40,200.00. So, if you owe $120K and your home would sell/list for $150K you have $30K in equity and you can keep your home. All forms are online with the US Bankruptcy court including the fee waiver (for the $299.00 filing fee) as well as the pay-in-installment form. Hope these additional add-ons help and good luck to you!
How can I file for bankruptcy?
You should at least consult with a bankruptcy attorney. Most BK lawyers offer a free initial consultation. Don't hire one unless you feel comfortable. If you wish to file your… own, you may be doing it at your own peril. Some BKs are relatively straight forward and you can get through it. Most are complicated. Whether you use an attorney or not, be sure and consult with a qualified attorney.
Can you file lawyer bills on bankruptcy?
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
If your husband has to file bankruptcy do you have to file with him?
No. It is similar to your taxes, you have the option of filing jointly. However, if you have been married for awhile and have a lot of joint debt, you should file jointly. … No. It is similar to your taxes, you have the option of filing jointly. However, if you have been married for awhile and have a lot of joint debt, you should file jointly because your obligation to repay joint debt will survive your husband's bankruptcy. For example, if your husband has a truck but the truck loan is in both of your names, you will be obligated to take over the entire debt if your husband files bankruptcy.
Can you file bankruptcy if you are current on your bills?
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.
When did you file bankruptcy?
The first step in understanding financial distress is realizing that you are in financial trouble and need help. Contact a bankruptcy attorney in your area for a free init…ial consultation. First, bankruptcy can stop creditor harassment. Many creditors will call you all day, every day, any time of day. Bankruptcy provides a fresh financial start by making it illegal for creditors to contact you. This can be your first sigh of relief. Even once you have retained a bankruptcy attorney, you can tell creditors who contact you that you are in the process of filing bankruptcy, and they should direct the calls to your attorney's office.
How long after you file bankruptcy can you file again?
Under the bankruptcy laws effective on October 17, 2005, Chapter 7 cannot be filed unless the debtor was discharged from the previous Chapter 7 or bankruptcy more than eight y…ears ago. The debtor cannot file a Chapter 13 unless: (1) the debtor received a discharge under Chapter 7, 11 or 12 more than four years ago; or (2) the debtor received a discharge under Chapter 13 more than two years ago. The above notes discharge dates
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What does the bankruptcy lawyer do after you file for bankruptcy?
It depends on what Chapter you file under and how complicated your case is. Your lawyer will definitely go to the meeting of creditors with you, where you sit before the tru…stee for an interview that, for most people, is a formality. If you have more assets than you are allowed to keep, the lawyer will negotiate terms with the Trustee. This can take the form of surrender of assets or payment of cash in lieu of giving up assets (Chapter 7) or submission and amendment of your payment Plan (Chapter 13/11). If you have been accused of bankruptcy fraud or abuse, whether intentional or not, you will need an attorney to defend you through the process. This might cost extra. With all this in mind, your lawyer's primary job is to set you up before you file so that none of this bad stuff happens. And if it has to, your lawyer's job is to prepare you so that there are no surprises. The most important part of your lawyer's job is what happens before you file. This is not intended as legal advice. It is a general answer. Consult an attorney as to your specific situation. Henry Paloci Member, CA Bar and FL Bar http://www.cleanstartbankruptcy.com
When can bankruptcy be filed?
If you or your business has incurred a substantial amount of financial debt due to circumstances that were out of your control you may be eligible to file bankruptcy.
Answered
In Repossession
What does filing bankruptcy do?
Filing bankruptcy stops all debt-collection actions, whether phone calls, letters or lawsuits. including repossessions, foreclosures and attachments or garnishments. If the ca…se is a c. 7, there is a "341" meeting, where a trustee examines the debtor under oath as to his/her assets and income and certain kinds of pre-filing activity. If there are no problems, you receive a discharge, which permanently prevents all collection actions on the discharged debts. If it is a c. 13, there has to be a plan, and if the plan is approved and completed, you will get a discharge, as well as getting caught up on all secured debt arrears.
Answered
When to file bankruptcy?
Bankruptcy should always be the very last step. Many people take the effects of bankruptcy fairly lightly. Basically, you must be so far in debt that there is no other option.… The article below lists some questions to ask yourself before declaring bankruptcy. The pay-off needs to be completely worth the many negative effects.
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If you filed for bankruptcy in 1999 when can you file bankruptcy again?
Six years from the time your previous filing was discharged. However, BK courts are taking a closer look at those who have filed multiple times. A 13 can be filed (or amended…) at anytime. Not to split hairs, but you can actually file a Chapter 7 anytime after 6 years from the date on which the prior case was FILED (not discharged). See 11 U.S.C. 727(a)(8) which says the debtor can receive his or her Chapter 7 discharge unless "the debtor has been granted a discharge under this section, under section 1141 of this title, or under section 14, 371, or 476 of the Bankruptcy Act, in a case commenced within six years before the date of the filing of the petition." So, the Bankruptcy Code says you can re-file 6 years after the prior case was commenced (filed), not 6 years after discharge. Nikki also makes a good point that Courts are scrutinizing multiple filings (so that while the Bankruptcy Code doesn't list how many times a person can file, the Courts will not allow serial filings if they think the debtor is abusing the system). As Nikki also pointed out, you can file a Chapter 13 pretty much anytime so long as no other case is pending and so long as, again, the Court doesn't think you're abusing the system. If the new bankruptcy reform law is passed, Congress is considering changing the 6-year waiting period to 8 years. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.
Answered
Who can file bankruptcy?
You may file a voluntary petition and save a significant amount of attorney's fees. If your case is a bit more complex, make sure you seek the advice of an attorney. However, …if you comprehensively complete all of your forms, which includes all of your schedules (forms may be found on district court websites). There is also some software options to assist you in filing your bankruptcy. I recommend using "Citizen Legal Source Bankruptcy Software" it's an easy to use software for filing both chapter 7 and 13. For Chapter 11's I would recommend sticking with an attorney. I've included the link below for easy filing for do it yourselfer's. With the software from the link below you can pay about $50 instead of like $3500 for an attorney. In fact, the software company has many guarantees so if you don't like it or your paperwork isn't accepted they will refund your money and your court costs. At which point you can than work with an attorney. Hope this helps. You can read their guarantees and software info on their site. Chapter 7&13 Software for do it yourselfer's: http://077b76nbvfgu5v6d32a69x0y51.hop.clickbank.net/
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In Tax Refunds
What is filing bankruptcy?
Bankruptcy is a legal tool individuals and companies use when they are no longer able to repay debits. In the United States their are two sorts of personal bankruptcy. 1) Cha…pter 13 Bankruptcy, or reorganization Bankruptcy lets an individual work with their creditors to pay back debts without the threat of foreclosure or harassment. This lets someone do the right thing and pay people back. 2) Chapter 7 Bankruptcy is a more extreme step. During Chapter 7 one continues to make essential payments while paying nothing to other creditors. Next, all assets are liquidated and distributed to creditors.