I am trying to rent an apartment and they are requesting a letter or proof stating that I can not add debit to my bankruptcy.

The discharge in a voluntary chapter 7 bankruptcy applies to debts that arose before the petition was filed. The following statutes provide support...

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Filed chapter 7 pro se in 11/09. Was dismissed on 8/2010 for lack of finc'l management course. Can I still reopen? refile?

I don't really see the harm in filing a motion to reopen and to obtain an extension of time to file debtor's financial management course...

Can u file a chapter 13 and/or second mortgage cramdown if we had previously filed a chapter 7 which was discharged over a year?

A debtor can file a chapter 13 after filing a chapter 7, but he/she isn't eligible for a discharge of debts in the 13 unless it has been 4 years...

Harassment

You should speak with a bankruptcy or consumer protection attorney right away, before you pay any more money to this lender. You may be judgment...

I just paid the last payment on my car and own it outright. It is worth around 5,500. Will they take it after I file chap7?

According to Missouri Revised Statutes section 513-530(5) (see link below), $3000 of the value of a vehicle can be exempted. The section also has a...

Drowning in debt. How best to negotiate with creditors and collection agengies

I really think you should speak directly to a "bankruptcy attorney." Even though we call ourselves, "bankruptcy attorneys," most of us will give...

How can I get creditors to stop harrassing my place of work, especially contacting my HR dept threatening legal action?

See the link below for information on fair debt collection laws in Texas. You should be aware that you have more protections if the person trying...

Can someone help me with a Chapter 13?

A Chapter 13 bankruptcy is almost impossible for someone to handle without an attorney. I'm a local Dallas bankruptcy attorney who handles chapter...

Should I hire a lawyer? Please help is this legal

Write a letter requesting that the agency validate the debt. You can find sample letters by doing an internet search. Make a copy of the letter and...

How can I stop collection agency's calls concerning a corporate credit card I once had?

Write them a letter explaining the situation and instruct them to cease all communications with you. Collection agencies are prohibited from...