A debtor can amend any schedule at any time while the case is open. Not only should you amend the means test, but you are legally obligated to...

Will I be able to use my personal bank accounts if I file Chapter 7?

Yes -- You will be able to use your personal bank accounts after filing for Chapter 7 bankruptcy. Filing bankruptcy generally will not affect...

You should file a proof of claim for the warranty. The Chapter 11 bankruptcy filing as the effect of terminating any liabilty to any creditor...

Chapter 7 Exemptions - Car - New York State

The New York State exemption for cars is $2,400. This is a relatively low amount which has not changed in over 20 years. The major variable as...

Can a Chapter 13 be converted to a to a Chapter 7 if a second mortgage was stripped?

You have a rather involved situation and based on the limited information given, it is impossible to give a complete answer. The starting point...

If I have a chapter 7 discharged 05 in the state of NY, how long do I have to wait to do either chapter 7 or 13 in a new state?

If you want to file for Chapter 7 bankruptcy again, you would have to wait EIGHT YEARS from the date your prior case was filed. The clock starts...

Can a credit card company file a lien on our property for an unsecured debt?

A creditor cannot just obtain a lien an file it on your property. The U.S. Constitution prevents this. What apparently happened is that the...

When to claim chapter 13 bankruptcy.

You can file for Chapter 13 bankruptcy at any time. Just because a creditor may have obtained a judgment against you does not make any difference,...

I am filing chapter 7 bankruptcy. I have 4 SUM CERTAIN judgements against me, Where do I list them in the schedules? Priority?

Generally, when a creditor gets a judgment against you, the debt is just as dischargeable in a bankruptcy proceeding as it was before the judgment...

My husband files for bankruptcy, can creditors come after me in a 3 or 5 years to pay for his debts if I won't file with him?

Married individuals are not responsible for their spouse's debts unless they actually signed a credit application or agreed to be responsible for...