Best Answer

This is a good question to ask your B/K attorney for state specific and case specific advice.

Not at all,once fou file for bankruptcy all of your debts will go away and any garnishments (except back taxes)will stop, back taxes you owe are not accepted on a bankruptcy case,the rest is ok.

User Avatar

Wiki User

โˆ™ 2015-07-16 19:26:55
This answer is:
User Avatar

Add your answer:

Earn +5 pts
Q: If you file bankruptcy and include the car can the creditor still garnish your wages or collect the outstanding balance owed?
Write your answer...

Related Questions

Creditor trying to collect from bankruptcy?

Files a "proof of claim" with the court.

Is it legal for a creditor to make inquiries even after the account has been discharged from bankruptcy for over a year?

If you are referring to a credit report the answer is NO. If the query is in reference to a creditor attempting to collect a debt that was included in the bankruptcy, the answer is also NO!2If the creditor is listed in the bankruptcy, No. If they continue to pursue it you can contact your attorney request a copy of the matrix filed in your bankruptcy, and either advise them of the page number the creditor is listed on and that it was discharged. Or, you can file a complaint with the federal court in your area and have it investigated.

Should the balance of a creditor you filed chapter 7 on show zero on your credit report after it has been discharged?

No. Bankruptcy discharge does not mean the money isn't owed. It means that creditors cannot attempt to collect it. The money will always be owed. Accounts included in bankruptcy will stay on the cr marked included in bankruptcy, for the full seven years.

What happens if the motion for relief from a stay is denied?

Bankruptcy protection remains in place and the creditor who was denied the stay will remain a part of the bankruptcy and cannot attempt to collect the debt owed.

Can a creditor still collect after a chapter 13 bankruptcy?

If that particular creditor was included in your chapter 13 plan and you completed your plan and received a discharge, that creditor may not thereafter collect. However, certain debts will not be discharged and those creditors may still collect (IRS, tax debts, fraud judgemnts, spousal/child support, etc.).

Can credit card companies sue you after or during bankruptcy?

Not likely. They can come to collect if you have a balance but sue you why?

How can you prove that a judgment has been discharged in a bankruptcy?

The answer depends on the context. If you properly listed the debt in your bankruptcy, then the bankruptcy cour will have a proof of service showing that the creditor was notified of both the bankruptcy and the discharge. You can get those documents from the court's file and show them to the creditor or the creditor's attorney. If the creditor insists on attempting to collect the debt, you should retain an attonrey to reopen the bankruptcy and file a lawsuit called an adversary proceeding for damages and sanctions against the creditor and/or the creditor's attorney. One point that many people do not realize is that while a judgment can be discharged in bankruptcy, judgment LIENS are NOT discharged unless you file the proper motion with the bankruptcy court.

How to collect or follow up outstanding accounts within designated timelines?

In order to collect a follow up outstanding accounts within designated timelines you will need to contact the debtors. You can reach out to them by phone calls to attempt to collect the outstanding accounts or send mail notifying the debtor of the balance that is owed.

What is a notice of bankruptcy and stay?

When a bankruptcy is filed, an "automatic stay" takes effect, essentially a prohibition against any collection action by a creditor without the court's permission. This occurs even if the creditor has no immediate notice of the filing. Any collection action taken after the filing must be undone by the creditor.If there is a proceeding in a civil court to collect the debt, the appropriate action for the debtor is to notify the court of the filing, giving the name and address of the bankruptcy court, the date of filing and the docket number of the case in the bankruptcy court. This is often called a "suggestion of bankruptcy" or notice of bankruptcy."

Can a company who closes your account try to collect interest three years after closing the account?

Yes, if you still owed a balance at the time the account was closed. Just because a company closes an account does not mean that any balances that are owed to them disappear. If your account was closed and there was still a balance outstanding and you did not pay that balance, the company has every right to collect the balance and any interest outstanding.

Can you stop a creditor from selling your account once you have filed bankruptcy?

No. The bankruptcy is to stop anyone who has a right to collect a debt from being able to collect, called the automatic stay. If the debt is listed in the correct debt owner's (creditor's) address and it is discharged, it does not matter who owns the debt.

Can you repay a relative after bankruptcy even if the indebtedness to them was discharged?

You can voluntarily repay any creditor whose debt was discharged. Do not enter into a payment plan, or make regular payments, or you may reinstate the debt.Bankruptcy only prevents the creditor from taking any action to collect the debt. It does not prevent you from paying.

Can the creditor garnish your wages for the balance of the loan owed to them after they sell the vehicle?

With FEW exceptions, YES. that is the lenders usual option to collect.

Is there a limit to how long a creditor can try to collect a debt in England?

it was that if the creditor had not tried to collect within 7 years it was expired

Can you get sued over an unpaid credit card balance?

Yes. It doesn't matter how much the account balance is, it only matters if the creditor can collect the money owed after wining a lawsuit

What is the consequence to the debtor if you are an unnamed creditor in a Chapter 7 and should be?

Any creditor not included in a bankruptcy discharge retains the right to continue attempting to collect a debt. That would include using legal remedy in the form of a lawsuit against the debtor.

Can a creditor take you to arbitration after your bankruptcy has been discharged?

No, the court discharge of the debt means it no longer exists! The filing of the bankruptcy prohibited every creditor from taking any action to collect (other than those required to the bankruptcy court). Of course, you had to handle your BK properly, and list all your creditors and all your assets, etc....if not you have lied to the court and they don't look at that too well.

If i didn't list a creditor on your bankruptcy can they still collect there debt?

If it was an unsecured debt, and you did not intend to omit it for some reason that would constitute fraud, it was discharged. If a debt collector is trying to collect it, see a bankruptcy lawyer or a lawyer who handles debt collection defense. You can file for contempt in the bankruptcy court. You may also have rights under state consumer protection laws.

What is an outstanding judgment on a credit report?

An outstanding judgment is a court order that gives a creditor the legal right to collect from a debtor. As court judgments are a matter of public record, a creditor can report the judgment on the debtor's credit reports. An example of a judgment placed on a credit report would be a judgment for eviction. This judgment will remain on the credit report for seven years from the filing date.

How long does a creditor have to collect an outstanding car insurance bill?

they usually call on it for six months then sell it to another collection agency. more then likely thell call for atleast a year

How can you collect debt after bankruptcy?

As a creditor? The debt doesn't exist anymore, so you have nothing to collect (presuming it was in the BK and discharged). You can't collect it and it is illegal to try....if you believe fraud was committed or such in thr BK (like he hid assets that could have been used to pay you), bring it to the Court.

Will the the credit of the co-owner affected if a co-signor files bankruptcy?

No. The co-signer is no longer responsbile for any part of the loan. If you default, the creditor can not attempt to collect from them.

Bankruptcy discharge and my creditor has refused to collect the vehicle due to its mechanical condition can I fix it and keep it with no further financial liability or them collecting it later on?

If they send you a lien satisfaction then it's yours.

Can a debt collector demand payment for an amount that has been included in a chapter thirteen bankruptcy?

If bankruptcy is over and the debt was discharged, they creditor is forever barred from taking any action to collect the debt. If the bankruptcy is still pending, the debtor cannot contact you without permission from the bankruptcy court. In either case, you may have a claim for damages against the debt collector.

Can a secondary collection agency collect on a charge-off when the debt is over 3 years old and the original creditor has declared bankruptcy?

More than likely. Three years is not long enough for an SOL to expire. What probably happened was, the account was bought from the creditor, which is common practice. The BK of the original creditor, has no relevancy if the debt was sold.