No, not without refiling another "13".
yes! because in Chapter 7 bankruptcy is considered a straight liquidation of unsecured debt. In simpler terms, this means that all unsecured debt is discharged. in short its a judgement for your term in credit card bills.
You are always going to be better off by paying your bills.
Three $1 bills are worth $3. If instead you're asking about the value of a $3 bill, there's no such thing.
I had a house for 8 years and the when my husband got sick, I was the sole person paying the bills by my self. I was on chapter 13 at first to pay the bills right by paying each pay period. But the end of the 5 years i was not caught up with the bills. So i went to chapter 7. I was out of so much money in chapter 13. But i never missed a payment. I was all ways on time. My questions is I am renting a house right now, and I pay 875.00 a month. The rental will be up in November of this year. Can I buy another house after all of this?
Not to be circular, but one can get a car loan after a Chapter 13 discharge as soon as one can get some lender to give him or her a loan. Typically, a bankruptcy affects a debtor's ability to get credit 12 to 36 months after the filing date, so by the time a Chapter 13 is discharged, at least 36 months have passed so getting a loan isn't generally affected by the bankruptcy. This is not to say that other factors won't affect one's ability to get a loan, such as employment history, debt to income ratio, credit score, etc. 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. Some institutions will finance you while still in an open chapter 13. Check with a credit union....great rates...great service. As long as you have been current on your current bills and are at least two years into the bk.
i receive a judgment for ganishment but i have other bills which i qualify for chapter 7 does it get dismissed if i include it in the bankrutpcy
Medical bills can be discharged through a bankruptcy.
What happens if you have paid all fees for a chapter 7 bankruptcy and your trustee tells you to turn over your income tax check and you don't because you are laid off and you are using the income tax check to pay bills and medical expenses and the trustee has threaten to revoke your bankruptcy due to non payment of your income tax check
yes! because in Chapter 7 bankruptcy is considered a straight liquidation of unsecured debt. In simpler terms, this means that all unsecured debt is discharged. in short its a judgement for your term in credit card bills.
Yes, you can amend your bankruptcy, usually for a fee that is passed on to you from the court. You should contact your attorney to add your medical bills before you bankruptcy is discharged and to reconfigure your bankruptcy plan.
A bankruptcy can be closed or dismissed. It cannot be "discharged." The debtor is discharged from having to pay any dischargeable bills. If the 13 was successfully completed, and the debt was listed as an unsecured debt if the unsecured creditors were paid something under the plan, it might not have been discharged. Many third party debt collection law firms and agencies are trying to collect discharged debts in violation of the permanent stay. It is illegal.
Yes it is. The presumption of bankruptcy is that all of the bills that were owed will be discharged at the time. If for a reason the bill that wasnt listed came up it can still be discharged by the court. Your attorney can file an addendum for this with the court after wards.
Yes, in most cases past-due utility bills are like any other unsecured debt, and may be discharged in Chapter 7 bankruptcy. Although there are some exceptions, the automatic stay will generally prevent the utility company from disconnecting your service, and can even force reconnection of service that has been disconnected for non-payment.
You may discharge medical bills that are accrued up until the day your case is filed in either chapter.
In short, No. Debts that do not get discharged in bankruptcy (Chapter 7, or 13) include;AlimonyChild SupportCriminal RestitutionStudent LoansDebts arising from fraud or theftThe medical bill would most likely be characterized as part of the child support settlement and would not be subject to discharge.
Parking tickets cannot be discharged under Chapter 7 bankruptcy. They can, however, be discharged under Chapter 13 bankruptcy. Chapter 7 bankruptcy is known as "liquidation" bankruptcy. This generally means that all of a debtor's non-exempt property may be sold by a bankruptcy trustee, though the laws for property exemption are different in each state. For example, in New York, most debtors are able to keep all of their property. Chapter 13 bankruptcy is a 'reorganization of debts', and allows the individual to keep their property and income while paying off all or part of their debt over a three to five year period. In the case of a Chapter 13 bankruptcy filing, the parking tickets can be considered "unsecured" debts (similar to credit cards and medical bills), and can thus be treated as such for repayment.
You are always going to be better off by paying your bills.