That is up to the person filing the bankruptcy. You can include or omit any debt that you choose.
That depends on HOW they notated the account. If they marked it as 'included in bankruptcy', even if you did not list them on your creditor matrix, you probably will not succeed in disputing it, but you can try.
No. You probably didn't include the car loan in the bankruptcy (if you did you wouldn't have the car anymore). If debt wasn't included in the bankruptcy you still owe it. Was the car insured? Usually if there's a loan on it the loan holder requires full coverage insurance. I'm not sure what the line of credit has to do with the car.... but if that line of credit account number was included in the bankruptcy it will/was discharged.
You can contact your bank or financial institution for Housing Loan for buying a house, by using their line of credit.
No, the banks can not close your saving and checkings account. If you have credit card debts then yes they can close your credit cards.
Only if the credit card an "equity line of credit" which is secured by a second mortgage on the property. But then, if her name is not on the house, she couldn't have used it for security on the credit card, so NO.
That depends on HOW they notated the account. If they marked it as 'included in bankruptcy', even if you did not list them on your creditor matrix, you probably will not succeed in disputing it, but you can try.
No. You probably didn't include the car loan in the bankruptcy (if you did you wouldn't have the car anymore). If debt wasn't included in the bankruptcy you still owe it. Was the car insured? Usually if there's a loan on it the loan holder requires full coverage insurance. I'm not sure what the line of credit has to do with the car.... but if that line of credit account number was included in the bankruptcy it will/was discharged.
Your credit report will show both the accounts (which were listed first) and the legal entry of the bankruptcy in the public records portion of your credit report. Once a bankruptcy is discharged, credit grantors should update the account listing (called a trade line) and make sure that no derogatory information is showing (like past due balance or collection account notations) EXCEPT for the "included in bankruptcy" statement. This is what SHOULD happen. It's up to you to follow up and make sure that your credit report looks like it is supposed to after a bankruptcy.
It must be.EVERYTHING you owe and EVERYTHING you own is included in the BK. They are given different priorities by the Court (some of either may be exempt)....but you do not pick and chose what you include. Basically all of your assets are used to pay your debts.
Make sure the creditor was notified that their debt was included in and discharged through your bankruptcy. Once notified, they cannot legally update a trade line.
A credit line in a newspaper is where reference is made to items included in the article from another source, such as research material.
You can contact your bank or financial institution for Housing Loan for buying a house, by using their line of credit.
No, the banks can not close your saving and checkings account. If you have credit card debts then yes they can close your credit cards.
Once your bankruptcy has been dismissed, you can apply for and receive new credit. It is not recommended but many people do get new credit cards after filing. Usually a company included in a bankruptcy will not extend credit to you again.
if you want it to
Only if the credit card an "equity line of credit" which is secured by a second mortgage on the property. But then, if her name is not on the house, she couldn't have used it for security on the credit card, so NO.
No and yes. NO if you re-establish your cedit after 2 years. Usually with 3 more credit lines, with at least 12 months excellent payment history and i credit line over $3000. This will generally increase your credit to the mid 650's.. from experience. YES if you continue to make the same poor credit choice. So be careful and please do establish new credit but very wisely.