Are we liable for a cancelled cell phone fee that does not appear to have been included in our Chapter 7 discharge?

I would venture to say that since you used the service post-discharge that you are liable for breaching the contract, even if the company orally...

In CA bankruptcy means test, how do I break down my taxes? Does CA SDI get listed under taxes or disability? Use stubs my 1040?

For Means Test deduction, you should use 1/12 of your tax liability from your tax return. Medical expenses should also be taken as a deduction on...

Judgement Proof

If the debt is solely in your name, the house is protected as tenancy by the entirety - cannot be severed without permission of spouse.

Received a notice regarding a Chapter 13 in Michigan.

You should seek legal counsel from a local attorney regarding this matter. It may be that you should object, appear at the Meeting of Creditors...

We filed Chapter 13 on Feb 24, 2011. We just had our 341 mtg on Mar 30th. I have a question in regards to switching to a chapt 7

If you convert to Chapter 7, it will do nothing to save your home from foreclosure. It would allow you to surrender the home and not be liable for...

How long can I without paying a judgement before I no longer have to pay it?

Collection effort on the debt itself is perpetual unless one declares bankruptcy. That means, absent bankruptcy protection, the debt collector can...

Amending the schedules requires you to make a new schedule with the appropriate asset amount on "B" and the appropriate exemption on "C" and filing...

I understand a bankruptcy is public record but how much exactly can a snoop see? Is it limited or just wide open?

Most of everything filed in the bankruptcy case is publicly accessible. Neither your Social Security number (only the last four digits) nor your...

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Bankruptcy and your tax filing?

There isn't anything "special" that you need be concerned with in preparing and filing your tax return next year. Just remember, sometimes...

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In a Chapter 7 Bankruptcy under Financial Affairs, what does it mean by asking to list all setoffs made by any creditor, bank...

No, a "setoff" and "charge off" are totally different. A setoff is when a creditor takes money that you have on deposit and seizes it to go toward...