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If a chapter 7 bankruptcy has not been discharged is it a law stating a lender cannot offer you a home mortgage or would they just be crazy to do so?
Ch7 Bk must be discharged prior to acquiring a mortgage.
If you have already filed bankruptcy but have not been to your hearing yet can you add a medical bill that has just happened to the bankruptcy?
No, only pre-petition debts may be discharged in a bankruptcy.
Do you still owe if chapter 7 discharged second mortgage?
If it was discharged, then you don't owe it anymore. However, you can't just assume that any particular debt was discharged by the bankruptcy, it has to be specifically listed. In particular, you probably cannot keep your house AND get your second mortgage discharged.
What does Discharge Bankruptcy mean?
I Have just been discharged from bankruptcy, does this legally mean that my possisions can not be touched and I am not liable anymore for the debt. I wont to know if my house is now safe ?
A bankruptcy can not be wiped off your credit report until after 10 years but if the accounts on your credit report which were discharged in the bankruptcy can these be taken off?
The debts which were wiped out in bankruptcy still stay on your credit report, but they should be listed as "Discharged in bankruptcy." They will still stay on your credit for 7 years (they don't get extended to 10 years like the Chapter 7 just because they were discharged in bankruptcy). 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.
Are utilities in chapter 7 bankruptcy dischargeable debt?
No type of bankruptcy, whether chapter 7, 11, or 13 discharges a civil or criminal judgment against you. Those are considered non-dischargeable debts and will remain with you until you pay them. Be sure to familiarize yourself with what will and will not be discharged before filing for bankruptcy as you may find that much of your debt is nondischargeable in which case bankruptcy may not be the option for you.
Can judgments be discharged in bankruptcy?
Perhaps, many judgments can be discharged in bankruptcy. The ones which are allowable are determined by state and/or federal laws, depending on the type of bankruptcy chosen. Understanding that if it gets removed it is because it was included and settled/discharged as part of the BK, generally by using the asset it is secured to, or other assets...it isn't just file BK and the lien/debt goes away.
What happens to an incomplete bankruptcy filing if the filer dies before its completion?
The filer has to be in person for the 341 meeting so the bankruptcy would be dismissed. A bankruptcy may still be discharged if they are just waiting on the judge to discharge the bankruptcy.
Where can you get a free bankruptcy evaluation by a local attorney and information on filing for chapter 7 or chapter 13 bankruptcy?
Just call the bankruptcy attorney's network at 877-530-8616 and they will hook you up with a local attorney in your area that gives out free bankruptcy evaluations.
When my house was discharged in bankruptcy the lender neglected to put lien on property the bankruptcy is 2 yrs. old the house is just sitting there going down is the property still mine?
I am not a lawyer, but I do know that you can try to check with the township or county assessor's office and see if the property taxes have been paid and try to find out who is paying them. Also, I would recommend going to the US Bankruptcy Court clerk's office where you filed your bankruptcy. Te address and phone number should be in the government pages of your local phone book. Maybe the clerk can help you look up your bankruptcy file. One thing you might check on is to see if there is an Order of No Assets, No Claimants, and when the bankruptcy was discharged and if it is closed. Also, it important whether you filed a chapter 7 or a chapter 13. Was your mortgage paid prior to filing bankruptcy or mostly paid? Was your house claimed in the exemptions? Did anyone object to the exemptions? It may be wise to have a bankruptcy or real estate lawyer look over your papers.
If you filed bankruptcy and it was final and a reaffirmation agreement was signed but discharged by the courts you have always been current on your car payment can you keep the car and continue paying?
Long as you put it in your reaffirmation so that it will not be part of your bankruptcy you will be able to keep it. Same thing as with a house. Just as long as it was part of the agreement that it was not included in your bankruptcy then you are o.k.
What does a bankruptcy discharge mean?
A discharge is normally the final step saying "All your debts are discharged" ie: no one can collect on those debts anymore. It is what you were waiting for if you filed. Speak with an attorney about your specific situation. If you can not find an attorney, contact your local Bar association and they will refer you to one.
