Angela M Low’s Answers

Angela M Low

Seattle Bankruptcy Attorney.

Contributor Level 3
  1. I am considering bankruptcy and wondering how this affects my credit score. How long does it take to recover from bankruptcy.

    Answered 6 months ago.

    1. Darrel Blaine Carter
    2. Angela M Low
    3. Kenneth Joseph Schneider
    4. Brittany S. A. Cline
    4 lawyer answers

    While there is no way to tell you what your credit score will drop to upon filing for bankruptcy, if you do not have any 30/60/90 etc. day late marks on your credit report, you credit score likely won't take much of a hit as far as the score goes. If your credit score is already low, discharging the debts in bankruptcy can actually help your credit score recover faster. The bankruptcy does stay on your credit report for up to 10 years, but you can start to reestablish your credit score as...

    5 lawyers agreed with this answer

    1 person marked this answer as helpful

  2. I live in Washington state which is a community property state. Can I file bankruptcy on my own without it affecting my husband

    Answered 4 months ago.

    1. Shaye Larkin
    2. Angela M Low
    3. Richard D. Granvold
    4. Tony Anthony
    5. Richard A. Check
    5 lawyer answers

    Yes, you can file bankruptcy without your husband. However, any debts incurred during your marriage will remain the liability of your husband. You will still need to disclose all community property and your husband's income. If you have any joint debts, the creditors may close those accounts upon your bankruptcy filing.

    4 lawyers agreed with this answer

  3. Why wasn't I able to pay on my son's student loan through my CH13 re-payment plan? Can this debt be forgiven?

    Answered 6 months ago.

    1. Dorothy G Bunce
    2. Angela M Low
    3. Richard D. Granvold
    4. Matthew Scott Berkus
    5. Jessica Erin McDuffie-Massey
    5 lawyer answers

    Student loans do not get any priority in a chapter 13 bankruptcy. In order to receive any money from the Chapter 13 office, the creditor must file a proof of claim form with the court. It is then paid on a pro-rata basis from your monthly chapter 13 payment if there are funds available after the secured and/or priority debts that are paid first Since student loans are not dischargeable, the creditor does have the right to collect from you after you receive the bankruptcy discharge. It...

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

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