Probably not.....payroll and severance arrangements (assuming not abusive/sham), are normally given high priority.
You have the right to file for unemployment, but if you receive a severance package from your employer you may be violating the terms of your severance package by filing for unemployment.
It is actually sometimes possible to receive unemployment benefits while on severance pay. It depends on the state you live in and how much severance you are receiving. If you cannot file for unemployment, you may be able to after the severance has run out-depending on how long unemployment extends for in your state. This article goes into the specifics of severance and unemployment. It can be tricky.
You can file Chapter 13, but you would need to pay all creditors in full because you are not eligible to receive a discharge. If you want file Chapter 13 and receive a discharge, you must wait to file until 6 years have passed since your Chapter 7 case. You would to wait 7 years if you want to file another Chapter 7 case.
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You cannot attempt any collection, by law, after they file. To receive whatever your class of creditor will get you must timely file a "proof of claim" form. That form should come to you with instructions on how and when to file, fairly shortly after the Bankruptcy is started. If not, contact the company and have them send you one and make sure you are on the list to receive notices. How long....lord knows..some BK payments take years...most are handled within a year.
What is Legal to file Chapter 13 on ?
Yes.
You can receive a chapter seven discharge once every eight years.
If it is a no-asset chapter 7, and the company is listed as a creditor with a balance reasonably close to the actual balance as of the date of filing, the company has nothing to do other than taking the debt as a tax write-off.If it is an asset chapter 7 or a chapter 13, the company should file a proof of claim on the form required by the court withing the time period for filing POCs.
Some strict limitations have been set by the new bankruptcy law. Debtors will not be able to file Chapter 7 bankruptcy if they've been through a Chapter 7 within eight years of the new filing. If they want to file for Chapter 13, they will not receive a discharge within two years of a previous Chapter 13 discharge and within four years if they were discharged from a Chapter 7, 11 or 12 bankruptcy.
Well the options that you have are , You can sell your home or refinance when you are under Chapter 13.A mortage company can negotiate on your behalf with your lender to ease off the hassles for you.
You can file a chapter 13 bk, but NOT another chapter 7.