Am I able to file a Chapter 7 bankruptcy with no Tax Returns or Pay Stubs because I have been unemployed for the last 2 years?

Yes, you can file. You would have to provide an affidavit indicating that you are unemployed and that you have not been required to file a tax...

What can I do to file chapter 13 bankruptcy but don't have the money?

Most bankruptcy attorneys offer free initial consultations and most attorneys filing chapter13s will allow most of their fees to be paid through...

Can I file chapter 7

If you otherwise qualify for a Ch7, yes, you can file a 7. But if you want to save your home, it may be too late to file any bankruptcy, depending...

Im thinking of filing chapter 13- what percentage of my unsecured debt would I pay back

To get the best answers to your questions you should speak with a local bankruptcy attorney or two. How much you'll have to pay to your unsecured...

What should I do about this? Just wait and see if I keep getting them then what?

The creditors will not have received or processed the notice of your filing yet. Give it a week or two and is the creditors keep calling after that...

The problem with your question id's the assumption that you can dismiss a ch7. Excerpt in rare circumstances, you cannot dismiss a ch7 and even in....

Can I get my refund back?

It depends on what the representation agreement says, what they may have done to earn part or all of the money paid so far and what your state bar...

Also do I need to list student loans in my bk petition if I am not asking for them to be discharged.

You are required to list everything you own and everything you owe, regardless of dischargeability. Yes, 106D is schedule D.

How will I explain cc debt verses ability to pay

I agree that you should at least consult with a local bankruptcy attorney for assistance. You may be judgment proof if your only income is from...

But will my credit drop more once final?

I suspect that if your recent filing is listed on your Credit Report, the hit has been absorbed and your credit will go up from here, assuming you...