However long it takes you to get a lawyer and/or complete the motion to reopen and pay the filing fee. If you are planning on not having a lawyer, be careful what you do. If you reopen a case, you allow a lot of things to happen that you may not want, including having your discharge revoked.
The amount of time a bankruptcy stays on your credit report after discharge differs between Chapter 7 and Chapter 13 Bankruptcy. With Chapter 7 bankruptcy, the Chapter 7 stays on your credit report for 10 years. Chapter 13 bankruptcy, after discharge, it shows for 7 years on your credit report.
Yes, but only after the bankruptcy is removed from your credit report - which can take over ten years from the discharge.
I think it depends on when the bankruptcy is discharged, but it would be discussed at your meeting with the creditors and the trustee. If it wasn't discussed, then the refund is yours.
Your credit score starts going up the minute the bankruptcy is filed. Debts incurred after the filing (even the day after), are exempt from the bankruptcy. If you make house and/or car payments on time, your score goes up Legally, they can hold it for up to 10 years.
10 years before the Chapter 7 is removed. It will decrease your scores dramatically to 400s to 500s.
Never
You should not get a 1099C if the deficiency was discharged in a bankruptcy. Otherwise, you should have gotten one by now.
The day you are discharged you can buy a car. You need to take proof that you are discharged.
Yes, after bankruptcy your debt (that which was listed in the bankruptcy) is eliminated. It may, however, take some time to restore your credit rating to the point where creditors will take a risk on you.
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.
The amount of time a bankruptcy stays on your credit report after discharge differs between Chapter 7 and Chapter 13 Bankruptcy. With Chapter 7 bankruptcy, the Chapter 7 stays on your credit report for 10 years. Chapter 13 bankruptcy, after discharge, it shows for 7 years on your credit report.
Yes, but only after the bankruptcy is removed from your credit report - which can take over ten years from the discharge.
1day
Once the debt is discharged, a creditor cannot reinstate it, even if you win the lottery.
I don't think they're ever forgiven. I know they're one of the special categories of debt that isn't discharged by bankruptcy.
I think it depends on when the bankruptcy is discharged, but it would be discussed at your meeting with the creditors and the trustee. If it wasn't discussed, then the refund is yours.
If you signed a reaffirmation agreement in bankruptcy, but the court discharged that agreement, the lender will come to take the car. This will occur even if you're currently up to date.