If I am considering a Chapter 20, Do I really need to do anything different before filing Ch7 in the beginning?

See Mr. Robert's answer. My two cents are as follows. If you file Ch 7 first and strip off the second, you may be able to modify the first and...

Pulled my credit and found a Bankruptcy on it from 2004

About 25% of all Americans have errors on their credit report. Assume that you are one of them. Contact the California Bankruptcy Court where...

If I decide to file Chapter 7 bankruptcy in the state of Florida, will I be able to keep my vehicle?

Do you mean that you owe more than $5k on the vehicle? If so, there is no equity and your $1k car exemption will protect it. If the car has no...

Am I entitled to a refund of my rental security deposit after chapter 7 bankruptcy ?

This seems to be a follow-up to an earlier post. The security deposit held by your landlord gave it a possessory security interest which trumps an...

What exactly is the meaning of written off on a credit report?

It means that they sold the debt to someone else.

Unless the lease allocated the rent between the two tenants, the normal situation would include full liability for the rent on either tenant. I am...

Ch 7 Means Test Question - Single BK but Married...

Are you getting your information from a qualified professional? In the Southern District we adjust the non-debtor spouses income by the actual...

I defer to Mr. Roberts regarding local practice. The CMI form requests all secured payments for which you are OBLIGATED, not which are being PAID....

You should clear this with your bankruptcy attorney. Taking on additional debt is not prohibited, but it is a "red flag." Keep careful records on...

Can I withdraw from a chapter 7 due to numerous objections by the trustee and the main creditor.

It is only a theoretical possibility, not probable. Now that the Trustee has you in her sights and has assets, you'd best raise as much money as...