Archived
I have credit care debt of about 10 K. I am on social security. I have no other income. Should I file chapter 7 or 13.
Sandra's answer
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Answered on June 27, 2014
It sounds like a Chapter 7 would be the best option for you. But you should meet with an experienced bankruptcy attorney in your area to completely...
Archived
How long does a CH. 7 and CH. 13 bankruptcy stay on your credit report? Does it matter what state you file the BK?
Sandra's answer
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Answered on June 27, 2014
Either bankruptcy chapter will remain on your credit report for 10 years. It does not matter where you live, it is the same everywhere.
Archived
Is there state appointed attorney's available for Bankruptcy cases?
Sandra's answer
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Answered on June 27, 2014
There is no right to counsel in a bankruptcy case. You can contact your local bar association to see if you qualify for reduced fee or pro bono...
Archived
My parents are currently in chapter 7 bankruptcy. Can I still get the Pell Grant and /or student loans.
Sandra's answer
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Answered on June 26, 2014
You should still be able to apply for student loans and grants despite your parents' bankruptcy.
Archived
Should I declare bankruptcy? Chapter 7 or 13? Will it mess with award of school loans? or Business loans in the future?
Sandra's answer
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Answered on June 26, 2014
You should consult with experienced bankruptcy counsel in your area as to your income, expenses debts and assets to make sure a Chapter 7 if the...
Archived
What happens if I filed bankruptcy emergently but didn't complete the paperwork
Sandra's answer
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Answered on June 26, 2014
The Clerk's office will not send you the forms nor remind you about your payments. You need to do that. You are responsible for listing your debts...
Archived
Creditor filed too late
Sandra's answer
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Answered on June 26, 2014
If the creditor filed a late claim , then you can object. to it. There are strict deadlines for proofs of claim.
Archived
Can I file for bankruptcy without including my husband? Also I have two cars and a trailer at the beach will I lose all these
Sandra's answer
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Answered on June 26, 2014
You can file for bankruptcy separate from your husband. But you will need to include his income (if you live with him) for the 6 months prior to...
Archived
Can I ask questions at ex 's 341?
Sandra's answer
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Answered on June 26, 2014
Any party in interest can ask questions of the Debtor at a 341 meeting. If you have concerns relative to asset hiding, you can and should...
Archived
Social Security Disability Income And Chapter 7 Bankruptcy Count in the "Means Test" for chapter 7 ?
Sandra's answer
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Answered on June 26, 2014
Social security is not income for purposes of the means test. But it does get listed on the Statement of Financial Affairs Para 2 and it also gets...
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