I have damaged credit How can I file an chapter 7 for free , I am a full time student with little to no income

You do all yourself and learn everything we know to file your own. Or you find somewhere in AL a place where they do for free..its not too...

Is it best to lower your expenses when filling out the reaffirmation agreement?

MOST attorneys overall will say 99% of the time to NEVER reaffirm! Why not just keep making payments? If you reaffirmed and 94 days later your...

How will this impact my chapter 13 with year and a half left?

First, as long as the actual payment is being made nothing else will matter at this time. BUT.. Second, I personally do NOT believe any ...

Chapter 13 question

The word "include" is vague. Every attorney in US will tell you you must list any asset and thus a house is "included" as you must list it. Any...

Can the trustee take the money if/when I get the check if the case is dismissed?

First, you have the DUTY to notify the trustee If in fact you will receive other income. You have the duty to file amended Schedules B and C if...

If I file bankruptcy on the business will it remove the judgements from me personally?

Because you say the "corporate veil" I will assume your business is incorporated as otherwise as Sole Proprietorship and you are the same! Your...

I am at retirement age and want to retire. Can my Chapter 13 be changed to Chapter 7 since my income will be cut 70%?

As Attorney Bunce indicates, no attorney can know if you should convert to a ch 7 until they know ALL the facts. The facts govern that advice....

no one knows. Why? You got the discharge but the Ch 13 trustee has adminst. duties to do too. For example, if the check have not all cleared they...

Do I have to pay are is there a stature of limitation

All debts are required by law to be "included" in any bankruptcy. Period. So to say was "not covered" does not mean anything to an attorney The...

When and how does an exemption for a tax return get filed during a bankruptcy chapter 7?

Look at #28 on Schedule B and there it is! List the applicable exemption in Schedule C. We do not know if you in fact were living in FL more than 2...