If I purchase a 2nd vehicle shortly before filing bankruptcy, can I count both vehicles' expenses on my means test?

I disagree with my colleague. While it's true that the UST keeps a close eye on the means test (and usually will not hesitate to object if he or...

Insurance Credit Score

You ask a legitimate question, especially in view of the fact that you say you do not have any tickets and have not made any claims in over 10...

I am entering chapter 13, and I have an attorney to represent me. But.

You do not get to pick and choose how you'd like individual creditors to be paid in your chapter 13 plan. Creditors are classified (e.g., secured...

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I filed a Chapter 13 bankruptcy that is discharged. I was told a certain debt would be discharged after and it ends up it is not

Under section 523 of the Bankruptcy Code, unless you file a separate lawsuit (called an adversary proceeding) in your bankruptcy to have the court...

Is there a time limit on creditors to repossess a home mortgage discharged in chapter 7?

Unfortunately, it's all too common these days for mortgage companies to leave debtors on the hook for homes that they no longer occupy (or intended...

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Voluntary Chapter 7 Bk - Can (not filed on) car creditor force me to agree to an added Balloon payment, after Reaffirmation?

You are mis-speaking, since you cannot pick and choose which accounts you include in your bankruptcy. You "filed on" both your student loans and...

What happens if I file Chapter 7 bankruptcy and a creditor comes up after the fact that I didn't know about?

The majority rule in most jurisdictions is that even if you omit creditors, those debts are discharged as long as it is a no-asset case. The...

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Attorney failed to include utility debts on my Chapter 7 banruptcy. Debts were on my credit report.

I understand your frustration, and for what it's worth, I think your attorney is wrong to charge an additional fee if the debt was listed on your...

Can a car be repos if a 7 Bky had been discharged without notice?

With the bankruptcy reforms in 2005, the "ride-through" option (where you continue to make your payments but do not reaffirm) was eliminated. ...

While I agree with Ms. Bowinski that you can't deduct your student loan payments from your monthly income BEFORE determining how much you have to...