What you're describing, where you file a Chapter 7 case and follow it up with a Chapter 13 case, is frequently described as a "Chapter 20" case. ...

They may have "cancelled" the debt insofar as they have written it off for their own accounting purposes. However, that doesn't mean you don't owe...

Do I need to file a form or a motion to remove involuntary money judgment lien in a BK7, even if no real property is owned?

The lien only attaches to real property (real estate), and you have none, so there is nothing for the lien to attach to. Therefore, you will not...

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What do i do now that sheriff returned two creditor garnishment payments to my employer saying improper service from creditor?

Congratulations; this is good news! You are free to proceed and use that money as you otherwise would. However, be aware that the creditor will...

No, it is not illegal to tell a creditor that you are considering filing a bankruptcy case, and that if you do, that creditor will get nothing. ...

What is the best way to consolidate my debt? I am trying to get a fresh start.

As Attorney Bunce mentioned, borrowing to get out of debt seldom works. Also, I'm not a big fan of "debt settlement" plans; the in my experience...

I filed ch.7 bk 1 year ago Discharge says "Will pay as agreed" but didn't sign reaffirmation. I can't make payments am I liable?

I'm not sure where in the papers it would say "pay as agreed." (Perhaps on your Statement of Intent, you indicated you wanted to retain the car &...

Can I except two vehicles with a chapter 7 bankruptcy?

If you do not have a home with equity, you are probably using the §703 exemptions (as opposed to §704, which you'd be using if you did have equity...

The issue is not the debt being cleared off "your credit report." Rather, the issue is whether your obligation to pay the debt is, in bankruptcy...

Married couple, can one person file for bankruptcy even though both are on loans? And dissolve debt?

A married person can file a bankruptcy case without his or her spouse, but there are disadvantages to it. For example, all household income must...