Sure...you can not want to keep the house without filing BK too
Chapter 7 is a liquidation bankruptcy, you are giving up your assets. If you want to keep your home and car you would need to file a Chapter 11 Bankruptcy.
File a Chapter 13 Bankruptcy It allows you to keep the property and make payments you can afford.
If you lost the home or no longer own it you can do chapter 7 (if eligible) and have this debt eliminated. If you are still in the home and want to keep the home but reduce or eliminate the second look at a Lien strip through Chapter 13.
You can file Chapter 13, but you would need to pay all creditors in full because you are not eligible to receive a discharge. If you want file Chapter 13 and receive a discharge, you must wait to file until 6 years have passed since your Chapter 7 case. You would to wait 7 years if you want to file another Chapter 7 case.
Divorce will not affect filing chapter 7. If the divorce is final, you will have to file separate chapter 7s. If the divorce is not final, or has not happened, you can file a joint chapter 7.
There are two parts to this answer. The first is if you are trying to "SAVE" your home you would not be filing a chapter 7. YOu would be filing a chapter 13 Which is designed for you to be able to keep your assets that have fallen into delinquency such as your home or vehicle. Chapter 13 put you into repayment plan for the 7 months that are past due spread out over 3-5 years. Chapter 7 is a liquidation of debt if your were able to file again...Which brings us to part two of the answer you would be saying in essence you want to let your house go and liquidate or zero out any remaining balance. There is a 8 year waiting period before you can file another 7 anyway and that is not the plan you need.
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Well the options that you have are , You can sell your home or refinance when you are under Chapter 13.A mortage company can negotiate on your behalf with your lender to ease off the hassles for you.
Yes. Married people can file individually. The marriage actually has nothing to do with it though. If you filed, no matter what, you can't file chapter 7 again for 8 years, provided you received a discharge. He can file anytime he wants. If you have any joint debt, you may want to consider Chapter 13. Take a look at it. You can file a chapter 13, just not a chapter 7.
Either way they will want a tax return filed before filing for chapter 13. If you are expecting a refund then they will seize it if it is after so to keep the money file first and wait for the return, it will be considered as part of your income. If you owe it is better to know the amount before filing.
Yes. And the court will likely want to see your return.
File it by yourself. Spouse does not need to file. Any joint debts will become her sole responsibility.