Yes, you can file. The relevant date is the filing date of the prior case, not the discharge date. -- George Lutz

In Montgomery County, PA, can a collection agency file a complaint directly at the county court level? Credit card debt case.

The answer is yes, and the fact that they skipped the DJ court indicates that they are serious about executing on any judgment they obtain in...

What can I do about a debt I can not pay? Is bankruptcy an option, and what would happen?

Consult with a bankruptcy attorney. He or she can keep the creditors at bay while you put the money aside that you have been paying the debt...

Would I be qualified to file for bankruptcy?

Yes, it certainly sounds as if you would be qualified for bankruptcy. In the Reading area there are many qualified bankruptcy attorneys who will...

Yes, they have the right to offset.

Do we have to go thru a bankruptcy in our situation?

The credit card debt won't hurt you much because of your low level of assets, but they will drive you crazy trying. You should consult with a...

Is the equity in this home I don't live in going to keep me from doing bankruptcy?

That is much too small an amount of equity to worry about in a Chapter 7. You can almost certainly file a Ch. 7. George Lutz, Esquire Offices in...

Can they? Yes. Can they legally? No, unless it is only to get information about how to contact or locate you.

Am I going to be able to get a bankruptcy? Or am I headed to divorce court?

I practice in the Eastern District of Pennsylvania, and I agree with attorney Hughes' analysis. I have filed many cases where I have claimed a...

If chapter 7 doesnt apply to me, whats my best course of action to just get a fresh start and give just my primary home back?

You may be able to file a 7 and keep the other properties if you claim the Pennsylvania state exemptions, not the federal exemptions. However, Mr....