Chapter 13, can I reopen to add another issue that has come up recently?

The most important date of filing in a bankruptcy case is the date of the filing of the case, called the "Order for Relief." If something happens...

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Hi. Will one be notified by the court in advance if a debt collector wins a judgement to garnish their bank account?

The best way to handle this situation is to go to the court and review their docket to see if a judgment has been entered. If a judgment is...

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Chapter 7 has been discharged. can we withdraw from our life policies?

Once the case is closed you can definitely withdraw from the life insurance policies. If the discharge was entered but it is an "asset" case then...

If I choose not to reaffirm my mortgage after a chapter 7, but continue to make the payments, can the bank take my house from me

No, the bank cannot foreclose if you don't reaffirm a mortgage. There are very few situations in which it would be smart or necessary to reaffirm a...

Should I file for bankrupcy ? Or debt consolidation ?? Or do I have better options ??

In a situation like this you have three basic options. Each has its pros and cons. My advice is to make a decision and stay with it, whichever it...

In a Chap. 7 Bankruptcy when you finally have to go to the courthouse and tell the judge why one couldn't pay one's debts.....

A bankruptcy filer rarely has to go to court for a chapter 7 bankruptcy, usually the filer just goes to a "meeting of creditors," which is a very...

BETTER TO REPAY DEBTS AFTER MONTHS OF BEING UNABLE OR FILE BANKRUPTCY...

The first thing you want to look at is how much money you are owed. It is possible all or a portion of the money you are owed might not be exempt,...

Garnished

Your legal options depend on where the money in your bank account came from. Can you trace all or some of the money to social security income? Is...

Can you file chapter 13 or 7 if you have equity on your house?

You can file either chapter 13 or chapter 7 bankruptcy if you otherwise qualify for those chapters. In chapter 13 there is no risk of losing your...