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Sometimes Chapter 13 debtors need or want to convert their bankruptcy case from a Chapter 13 to a Chapter 7 bankruptcy. And sometimes the bankruptcy court will force you to convert from Chapter 13 to Chapter 7 - this is often called a "forced conversion."

The reasons for conversions vary. For the most part, if you are instigating the conversion, you have a right to convert your case. But that doesn't always mean you'll qualify for Chapter 7 relief.

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Q: Could you change your chapter 7 to chapter 13 after being discharged?
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Can you file a chapter 7 bankruptcy and a chapter 13 bankruptcy?

not at the same time, and you'll have to wait a certain period of time after being dismissed/discharged from one before filing the other.


How can you get your chapter 7 bankruptcy off your credit report?

It should rotate off of your credit report about 7 years after being discharged. It cannot be removed.


If a chapter 13 bankruptcy has not been discharged can a creditor be added?

The bankruptcy is not discharged, the debts are. A creditor can be added if the plan is not too far along or if you have the excess income to pay whatever the creditors are being paid (percent of debt) for the balance of the plan. If it is a post-filing debt, it cannot be added.


If your wife is in a Chapter 13 plan and is the borrower on the mortgage can the husband apply for a refinance loan to pay off the first mortgage?

Yes! The only thing is the chapter 13 will have to be discharged at closing. Depending on how long she has been in the bankruptcy, this may not be a big hassle. It is impossible to refinance a home in a chapter 13 without the BK being discharged. For more information, please feel free to email me at Travis.Fleury@gmail.com. I work for one of the largest direct private mortgage lenders in the country, i'd be glad to help answer any other questions.


If you filed Chapter 7 six years ago and it was dismissed but the credit bureaus will not take it off how do you get it removed?

A CHAPTER 7 BANKRUPTCY TAKES 10 YEARS BEFORE THIS IS REMOVED OFF OF YOUR CREDIT REPORT. THE GOOD NEWS THIS DOES NOT AFFECT YOUR CREDIT ANY LONGER! *********************I filed Chapter 7 in 2003 and depending on what your state court's definition of "dismissed" is it CAN affect your credit. For instance, some courts definition of "dismissed" is the same as "discharged." In Ohio it is "discharged" and I no longer owe any debt, however it DID IN FACT AFFECT MY CREDIT. I can NO LONGER get any. I received denial letters stating the reason for being denied, "Bankruptcy." So do your homework according to your state.

Related questions

How long does it take for the accounts to come off your credit report after being discharged from bankruptcy chapter seven?

Never


Can a car company withhold the title after recovering your car from being repossessed and then take the car two weeks after you are discharged from chapter 13 without giving you a chance to pay?

KEYWORD "DISCHARGED"


Can you file a chapter 7 bankruptcy and a chapter 13 bankruptcy?

not at the same time, and you'll have to wait a certain period of time after being dismissed/discharged from one before filing the other.


Can you be discharged for being bipolar?

You may be discharged from the military for any condition that prevents your ready deployment. You may also be discharged for not disclosing a previously known condition, and such cases you could be charged and court marshaled.


Can you be medically discharged from the Marine Corps for arthritis?

You could be discharged for arthritis. If the medical condition prevents you from being effective, you can receive a medical discharge. If it is bad enough, you could receive disability pay.


In chapter 7 bankruptcies is closed without discharge the same ad being dismissed?

No. Dismissed is essentially incomplete - no resolution...discharged is completed and closed.


How can you get your chapter 7 bankruptcy off your credit report?

It should rotate off of your credit report about 7 years after being discharged. It cannot be removed.


How should an obligation that is discharged in a Chapter 7 Bankruptcy be reflected in a subsequent credit report?

The debt should be identified as being in bankruptcy or discharged in bankruptcy. It will remain on the list for 7 years. The bankruptcy will remain on the report for 10 years.


If you filed Chapter 13 in November 1996 and it was discharged January 2002 can you file Chapter 7 now?

Yes. There could be a problem in being granted a Chapt 7. If the debtor(s) fulfilled the terms of the Chapt. 13, the court may feel they are able to do so again. Unless it can be proven they do not have the financial resources to meet the obligation of a 13.


If a chapter 13 bankruptcy has not been discharged can a creditor be added?

The bankruptcy is not discharged, the debts are. A creditor can be added if the plan is not too far along or if you have the excess income to pay whatever the creditors are being paid (percent of debt) for the balance of the plan. If it is a post-filing debt, it cannot be added.


How do you use discharged in a sentence?

After being discharged from the hospital, she was able to return home to continue her recovery.


Can you join the usmc after being discharged from the army?

yes