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When should a creditor legally stop asking on credit applications if you have ever filed a chapterthirteen bankruptcy?
Your confused. Credit applications are made to prospective creditors...to get credit...they aren't creditors yet.
They can ask this, and other questions, as long as they want...they don't know you and are getting the info they require to decide if they want to extend credit to you...something that is their own personal choice...that includesd how important an old, or new, BK filing is....if you don't like the way they make their decisions or do their business, go to someone else and ask them for credit.
The BK will appear on your credit report, provided by credit reporting agencies, for 10 years.
What else can I help you with?
How do you stop a creditor from updating the account that is included in bankruptcy?
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.
In Utah when filing for bankruptcy can the creditor legally take your one and only vehicle?
The Utah vehicle exemption is $2,500.
How do you get around a judgement legally?
To legally get around a judgment, you can try to negotiate a settlement with the creditor, file for bankruptcy, or appeal the judgment in court. It is important to seek legal advice to understand your options and the potential consequences of each.
Does the bankruptcy court notify you when the bankruptcy is final and legally discharged?
No. The lawyer does.
Am I legally allowed to refinance my home mortgage after filing bankruptcy?
You can legally refinance if you choose to, there are no restrictions from the bankruptcy. With that, you may find that lenders will not approve your loan because of the bankruptcy.
If you filed bankruptcy but your spouse did not what happens with a personal loan you have together that you forgot to file on?
The creditor can legally pursue collection of the debt owed from the non-filing spouse by whatever means they deem necessary, including filing a lawsuit.
Can a creditor sue you if you are enrolled in a debt settlement program?
Yes. A debt repayment program other than a chapter 13 bankruptcy, does not confer legally binding terms on creditors to prevent them from seeking litigation. AN exception obviously would be if the creditor has signed an agreement agreeing not to file a lawsuit as long as the debt repayment obligation is met. It is however, very doubtful a creditor would agree to such.
The act of being declared legally insolvent?
bankruptcy
What can a repo man do if they dont get paid by creditor?
The only recourse (legally) would be to file suit against the creditor, seeking payment.
Can a person work legally if he file bankruptcy?
Yes. Filing bankruptcy does not affect your work status generally speaking.
How many days late before a creditor can legally call you?
One day.
Can a person place a lien on their own property to protect it from creditors?
No, such an action is not possible, and even if it were it would not protect the person's property from creditor action. Personal and real property belonging to a debtor are protected from creditor attachment to the extent provided by the laws of the debtor's state. The exemptions that can be used to protect specific property against a judgment creditor are the same ones that are used when filing bankruptcy and in certain circumstances federal non-bankruptcy exemptions can be used as well.
