How much time should linger between you and unsecured creditors before you file bankruptcy.

The question is how long you do need to wait after using credit cards to file bankruptcy? The law does not specify a time. The law does say...

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I have a long term lease and the land owner has filed chapter 13 is my lease going to be voided ??

Bankruptcy is designed to help the person filing bankruptcy. Chapter 13 gives the debtor/landlord (person who filed bankruptcy) options including...

Question regarding chapter 13 and shortsale?

Usually the idea of doing a short sale is avoid the damage to your credit associated with foreclosure. If you're trying to minimize the damage to...

EDD is having the sheriffs dept serve me with a wage garnishment. Do I appear in court? Who decides the amount I can pay?

The California Employment Development Department ("EDD") is difficult to work, pushy and demanding. They will seek the statutory maximum of 25% of...

I'm in ch. 13 for 2 years. My car was in the plan.The secured claim for my car was $22,000. The car was

In California you can modify your plan to call for return of the car and treat any remaining claim as unsecured. In most chapter 13 cases...

When filing for a CHAPTER 7, does all the form have to be copmpleted and ready at the initial filing?

Emergency filings are allowed where you file just a few pages and get a court order prohibiting creditors from collecting from you. The danger...

Chapter 7 and co-borrowers?

The first thing to understand is that bankruptcy and credit reporting are two separate things. The general rule is that student loans are not...

Have a judgement against us. We are in the process of filing for chapter 7 but have not filed yet. wage garnish should we pay?

If you're subject to an immediate wage garnishment something needs to happen. Completing the papers for the lawyer is the first step. Actually...

What is the best way to handle accumulated medical bills (debt) incurred since fling a Chapter 13 and can they sue me?

I have two things for you to consider: First, you should consider converting your chapter 13 to chapter 7. All debts incurred prior to the date...

Can a sole owner of an s corp file a personal chapter 7 bk pro-se?

A corporation is a separate legal entity and it can only appear in court through an attorney. You may own all the stock and be the president but...