During your 341 hearing, creditors have the right to be present and examine you on several issues. In reality creditors rarely appear at these hearings. In most instances no creditor will appear unless they believe you are hiding assets or committing fraud.
Yes, a bank loan will show up on your credit report if the bank you borrowed money from reports to the credit agencies (practically all of them do). If you need help cleaning up your credit go to http://www.creditscoresystems.com for free sample letters you can use to send creditors and credit reporting agencies.
No. If you filed 2 bkrs, then they will both show up under public records. Example: If you home was foreclosed on, you stopped it and it was foreclosed on again - 2 foreclosures would also show up.
Creditors do have access to your information that shows up on various credit reports.However, unless you sign an authorization, they can not access your individual bank information.
The filing of a Chapter 13 SHOULD show on your credit report. The dismissal MAY show. Without seeing all three of your credit bureau files, there is no way to know for certain. You should obtain copies of all three reports from Equifax, Experian and Transunion. Dispute the appearance of anything having to do with a bankruptcy if you did not "go through with it".
Yes. It certainly depends on how long you've been in the chapter 13. Most states say if you have been in the chapter 13 for more than 3 years, you will only have to pay back a percentage of the original balance of the bankruptcy. If you have been in the bankruptcy for less than 3 years, most states make you pay back the bankruptcy in full (100% of the original claims). If a creditor was included in your bankruptcy and they have been paid, you may refinance out of the bankruptcy without the creditors taking your money. Some things to keep in mind: in order to refinance, you have to be granted a "motion for post-petition financing" from the courts. This can take up to 2 months. Once that is granted, your refinance can be completed. Most people have an approval on their loan with a new mortgage company with the only stipulation being that the motion is granted by the court so that there is essentially no lag-time.
It depends on how the home purchase will impact your creditors. If you you payment will be doing up, then you will have less money paid to your creditors under the Chapter 13 plan. On the other hand, you might get approval if the purchase won't lower the amount of money creditors would receive under the plan.
Chapter 13 bankruptcy is different than chapter 7 in that you will essentially be reorganizing your debt and coming up with a payment plan. The creditors meeting involves filing a plan with the bankruptcy court suggesting how you will repay your debt. Some debts must be repaid in full while others require only a percentage or nothing at all.
It will always show up in a court records search.
In most cases you will not lose your home during your bankruptcy case as long as your equity in the property is fully exempt. Even if your property is not fully exempt, you will be able to keep it, if you pay its non-exempt value to creditors in chapter 13.
They are considered "lost", you will not get that money back, but your debt to the individual creditors will be reduced by what they had received in 13 BK.
Hiruma Yuuya, Hiruma Yoichi's father, appears in chapter 126 of the manga during the Christmas Bowl arc. He is shown during Hiruma's middle school backstory and the audience learns more about their strained relationship.
To the extent of your personal guarantee for the corporate debt, or if both you and the corporation borrowed the money, you will not owe anything if the debts are discharged in your personal chapter 7. If the corporation has any assets, it will be subject to lawsuits and attachments by the creditors. You should discuss the situation with an experienced bankruptcy attorney, as it may be better to wind up the corporation before filing a personal bankruptcy.
the very first chapter, when all the mew mews show up, just before they get transformed.
Yes. It will show that you filed bankruptcy and that the bankruptcy was dismissed.
Wolfwood first shows up in Volume 3 chapter 18
Nut grass is mentioned in Chapter 5 of "To Kill a Mockingbird." It is a metaphor used by Atticus to explain how deeply rooted racism is in Maycomb society.
Once the Chapter 7 BK has been finalized, your creditors must leave you alone. They cannot contact you for payment of that debt. The only reason a creditor may contact you is if they are not named on the creditors list. Then, depending on how long it's been since the Ch. 7 BK was finalized, they might be able to be added to the list. If not, then you will be fully responsible for that debt. Good luck, and cut up those credit cards!