You are absolutely right. You do not need to own any real estate.

What property is protected in an llc bankruptrcy filing

Any assets inside an LLC would be liquidated to pay its creditors. Are you talking about a personal bankruptcy, or a business bankruptcy, have you...

Will my student loan debt "count" toward consumer debt? If not, how can I be sure and what cases or laws will help me?

I do not believe there's a controlling case in our jurisdiction (9th Circuit). Other courts have held that loans for advanced or vocational...

Will creditors get a chance to respond to my case or are they just notified and nothing else from them?

Mr. Brewer's right, creditors rarely object. That said, if you've done something objectionable, or something that appears objectionable, there are...

Are contract terms that state a particular debt is not dischargeable enforceable or is such a particular term void?

Agreeing that the debt will be non-dischargeable, does not make it non dischargeable. Otherwise, you see that provision and in every credit &...

Is an adjustment to net pay in the amount of 16K aded to the person if it says

You need to be a little more clear. I can't quite understand what you're asking and I'm sure that goes for others as well.

Chapter 13 Discharge

Once you've made your last payment there are a couple forms you have to fill out and file. Also the trustee has to file a final account and...

Writing letter to a creditor saying they are in violation of the bankruptcy code because I received discharge. dischargCitation?

I'd say it's a violation of the discharge injunction provided under 11 U.S. Code § 524 (a)(2).

Does the "means test" mean they will consider all income for the past 6 months. do we have to wait 6 months to file

Even if you do wait 6 months, that doesn't mean you have to make payments on those debts for the 6 months you're waiting. You can probably just...

How can i ask to my attorney for my files and also would i get bill, for a case the was never close or settle.

You have a legal right to your file upon request. The attorney must get it to you in a reasonable time. If the attorney does not get your file, you...