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Me and my husband are filing for Chapter 7 bankruptcy due to unforeseen medical and house repairs bills. We've never been late or missed a payment but are struggling to survive and make the payment. Do we continue to make credit card payments until the bankruptcy is finalized or do we stop... View More 
answered on Nov 1, 2017
There are pros and cons to continuing to make credit card payments leading up to a bankruptcy. On the pro side, since you are current on all cards, your credit score will likely not drop as much as it would if you go into default status on the cards for a few months. On the con side, you are... View More
In 2015, I received a discharge on a Chapter 7 bankruptcy that I filed pro se and due to medical bills from a heavy traffic accident. After, I started treatment for multiple mental illnesses. With many changes of medication, which took months to adjust to, I was unable to hold a job long-term. I... View More
answered on Jun 30, 2017
A subsequent Chapter 13 filing (hence your "Chapter 20") could allow you to pay off the unsecured debt you incurred after the time that you filed your Chapter 7 petition over as much as 60 months at 0% interest (but trustee fees). A Chapter 13 discharge will not be available to you... View More
I am thinking about just getting a new car instead of trying to salvage and fight for this one. There are too many repairs that need to be done on top of whatever amount is decided as the lump sum payout. Am I legally allowed to trade in the car to help get into a new one? Won't the new car... View More
answered on Jan 16, 2017
You would be better off surrendering your vehicle. By trading in your car, you will be inheriting the remaining secured debt on the loan in the new loan you take out on the new car.
answered on Jan 16, 2017
Yes, you can move out of state. However, until you obtain your discharge order, a creditor or the trustee could still file a contested motion or request your deposition, which could require you to appear in the local jurisdiction where you filed.
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