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If the old bills are at least 10 years old they are probably not on your credit. I'm not positive but I think debts can only stay on your credit for the same amount of time that a bankruptcy can.

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โˆ™ 2005-04-24 19:42:11
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Q: When filing a Chapter 7 bankuptcy can you list old bills inadvertently left off your Ch 7 from 10 years ago?
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What can you do about your medical bills you cant pay them and you filed for bankruptcy in 2008 your husband is file on them now but they will still come after you?

Assuming these are medical bills incurred after your Chapter 7 filing and you received a discharge, and they are for medical services for you, not your husband, they will come after you. You should consider filing a chapter 13 to pay them off in whole or in part, depending on your income and expenses. If your husband has a bankruptcy lawyer, he should ask the lawyer. You may consult your own lawyer.


Can you file bankruptcy after 6 years on medical bills?

Do you mean 6 years after receiving a discharge in a Chapter 7 bankruptcy or are you referring to medical bills that are six years old? If you've already received a discharge in a Chapter 7, you must wait 8 years between filing. If the bills are 6 years old, they may be too old to collect because of the statute of limitations, but you can still discharge them.


If you have an existing Chapter 13 Bankruptcy can you add medical bills to it?

Not if the bills are for medical care given after the date of filing. If you unintentionally omitted pre-filing medical debts, you will have to file a motion to amend your Schedule F and Plan, file the amended F and Plan and be able to pay the new plan amount. If your plan has just started, or was less than 60 months, it may not be a problem.


Filing bankruptcy should you keep making payments until discharge?

What payments? Chapter 7, 13, 11? Secured debt payments (mortgage, car loan, etc.) should be made after filing. Bills acquired after filing (telephone, electricity, cable, DSL, etc.), must be made. All others should not be paid, especially on a regular basis, or you may reinstate the debt.


What is the timely filing limit for filing workers comp claims in NY?

45 days for medical bills to be sent to Wc in NY


What are the 3 most common types of bankruptcies filed in the us every year?

Chapter 7 is the most common form of bankruptcy being filed by consumers and businesses. Under Chapter 7, you may eliminate most of your debt including credit card bills and loans through liquidation of assets, however, most consumers end up debt without the loss of their home or other valuables. Chapter 11 is usually filed by businesses than individual people due to the high costs that surround it. By filing for Chapter 11, a business is allowed to re-organize, strike deals with creditors, and liquidate assets. Chapter 13 appeals to both business and consumers and unlike Chapter 7 which eliminates the debt, Chapter 13 requires you to create a re-payment plan. If you were unable to repay all debts in the given time of 3-5 years, you may be allowed to restructure the filing to a Chapter 7 filing.


How long do you have to have medical bills before you can file a chapter 7 or 13?

You may discharge medical bills that are accrued up until the day your case is filed in either chapter.


Can you just declare bankruptcy on your home?

No. You do not "declare bankruptcy" ON anything. You declare bankruptcy when you cannot pay your bills as they come due. You must list all your assets and all your debts. What happens after that depends on which title you are filing under, chapter 7, 11, 12 or 13.


Does filing bankruptcy on medical bills count against you?

Count against you for what? Filing bankruptcy of any type for any reason will have an effect on you, particularly your credit worthiness And you do not file on any specific bills. YOU go bankrupt on everything you own and everything you owe. No exceptions.


Where is free information about bankruptcy?

There are two types of personal bankruptcy individuals can file: Chapter 7 is the most common, where most of your debts are wiped clean. A Chapter 7 filing will discharge your debts, except for alimony and child support, federally insured student loans, criminal and traffic fines, state and federal taxes due within the last three years, and debts that resulted from willful malicious acts. Another common bankruptcy filing is Chapter 13 which allows you to pay back your debts on a payment plan, and may also reduce some of your debts such as medical bills.


Can you use credit cards before filing for bankruptcy?

What, and leave me to pay your bills? Don't be a parasite on society!


What if your customer files Chapter 11?

Fully and completely return all paperwork, including your "proof of claim" on time! How much you may actually get, is very uncertain. You CANNOT roll the debt to post petition bills (things purchased after the filing). You can discontinue future business or credit however.


Is it better on your credit to refile after a Chapter 13 dismissal or pay your bills yourself with your creditors?

You are always going to be better off by paying your bills.


Can you file for chapter 7 if you are lay off?

Yes. Chapter 7 means you can't pay your bills. It is not free to file and you need to get an attorney to do it for you.


What schedule do I list garnishment on chapter 7 bankruptcy?

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


How does the bankruptcy power work?

Bankruptcy plays vital role in your life if you are facing financial problems or having unsecured loans like medical bills, repayment loans,wage garnishment. Filing bankruptcy gives you strong legal protection from your creditors. If some one is facing home foreclosure then filing chapter 13 bankruptcy helps a lot. It stops home foreclosure & bring automatic stay.


What were the chapter 7 bankruptcy laws in 2001?

Bankruptcy laws changed dramatically in 2005 and make it considerably harder for people to file chapter 7 bankruptcy, those people who do not qualify for chapter 7 are left with the option of chapter 7. Some of the major changes with chapter 7 are:In a Chapter 7 bankruptcy, the income of the person filing will be subject to a two-part test. First, your income will be calculated with exemptions such as rent and food to determine whether you can afford to pay 25 percent of your unsecured debt such as your credit card bills. Second, your income will be compared to your state's median (middle) income.You won't be allowed to file for Chapter 7 if your income is above your state's median income and you can afford to pay 25 percent of your unsecured debt. Even if your income is below the state's median income and you can pay 25 percent of your unsecured debt, the court may still deny your Chapter 7 filing. There will be very few exceptions to this test, no matter how sympathetic your case is.


Do all of your bills have to be in your name when filing bankruptcy?

If they are not in your name. they are not your bills. You cannot file for a discharge of other people's debts. The exceptions are situations in which you can prove you are the actual debtor and the other person was acting on your behalf solely for your benefit.


What can be done to build credit history after filing bankruptcy?

After filing bankruptcy, it is extremely important to be very careful to pay bills in full and on time. Missed payments or carrying credit card balances can negatively impact credit scores.


You had a house foreclosure can you buy another house after chapter 7?

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?


What are the basic steps for claiming chapter 7 bankruptcy?

In a Chapter 7 bankruptcy, the income of the person filing will be subject to a two-part test. First, your income will be calculated with exemptions such as rent and food to determine whether you can afford to pay 25 percent of your unsecured debt such as your credit card bills. Second, your income will be compared to your state's median (middle) income. You won't be allowed to file for Chapter 7 if your income is above your state's median income and you can afford to pay 25 percent of your unsecured debt. Even if your income is below the state's median income and you can pay 25 percent of your unsecured debt, the court may still deny your Chapter 7 filing. There will be very few exceptions to this test, no matter how sympathetic your case is. If you pass the tests then the actual process of filing for bankruptcy will involve filing a two-page bankruptcy petition in which you identify your assets/property/debts etc. You will also meet with a trustee of the bankruptcy court who will go through your papers and conduct a creditors meeting. The process will take about 4-6 months.


Can you be allergic to paper?

Probably not, but this would be a great excuse for not filing income taxes, doing homework, reading books and paying bills. Cool.........


Can you file for bankruptcy twice in NJ?

As many times as you can fit in...but you have to wait specified time limits....HEY - FILING BANKRUPTCY ALOT...NOT PAYING BILLS, NOT KEEPING YOUR PROMISES....WAKE UP...WHAT YOUR DOING APPARENTLY ISN'T WORKING! Bankruptcy is ALWAYS in a Federal Court and under Federal Laws. (Yes, some Federal Districts use the prevailing rules regarding some things in their area...like what may be personal property compared to real property, but the overall rules are universal). YOUR STATE GENERALLY MAKES NO DIFFERENCE. Bankruptcy laws were reformed in 2005 making the time limit between chapter 7 filings 8 years from the time of discharge and the time for filing a chapter 13 after a chapter 7 discharge 4 years.


Is chapter 7 good for a judgments and old bills credit cards?

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.


What changed in Chapter 7 and chapter 13 bankruptcy after 2005?

Major changes were made to bakruptcy law in 2005, making it harder to file for chapter 7 and deferring more people to chapter 13.In a Chapter 13 bankruptcy, the court will apply IRS living standards to determine what is reasonable for expenses such as rent and food, and the rate you need to repay your debts. The IRS standards are more strict than the courts have been in the past.In a Chapter 7 bankruptcy, the income of the person filing will be subject to a two-part test. First, your income will be calculated with exemptions such as rent and food to determine whether you can afford to pay 25 percent of your unsecured debt such as your credit card bills. Second, your income will be compared to your state's median (middle) income.You won't be allowed to file for Chapter 7 if your income is above your state's median income and you can afford to pay 25 percent of your unsecured debt. Even if your income is below the state's median income and you can pay 25 percent of your unsecured debt, the court may still deny your Chapter 7 filing. There will be very few exceptions to this test, no matter how sympathetic your case is.