Can I personally file for chapter 7 bankruptcy for business debt without my wife's income added to the means test?

If you are married and living with your wife you must include her income. However, there is a marital adjustment section on the forms that allows...

How long should I wait to file Chapter 7 to avoid a possible adversary due to recent credit card use?

You should wait a minimum of 6 months to avoid an adversary proceeding.

How should my auto loan be showing on my credit report?

It is listed correctly. Unfortunately it was bad timing as you only had two payments left. You did reaffirm the debt through the bankruptcy...

Will filing Chapter 7 bankruptcy stop electricity from being shut off?

Yes, filing bankruptcy puts the automatic stay in place which prevents creditors from contacting you or taking any action against you. Thus, they...

You have to be served for the case to proceed. You can have the case dismissed for lack of service.

Do I need to fire my divorce attorney?

If you can't afford him and are unhappy with the results I suggest you retain new and cheaper counsel. For example, we offer payment plans and...

You are correct, the expenses can be deducted. The means test is a multi-part test. By being under the median family income you initially Gail...

Chapter 13 after Chapter 7

You can file Chapter 13 now but would not be entitled to a discharge. Thus, you can make monthly payments but likely would have to repay 100% of...

If you were employed directly by the military and not through a contract agency you would not be able to discharge the debt as it is owed to the...

Is bankruptcy an option? Being sued by car insurance on top of student loans.

I would not file if you anticipate needing student loans in the future. You will not qualify for any funding except maybe the basic Stafford...