Also depends on how far behind you are in payments.

In addition to what Mr. Phillips said I would add the additional information that it depends whether you are seeking a discharge or whether for example you need to stop a foreclosure or get back a seized vehicle. In those examples you can file a Ch. 13 right away and get caught up on the past due... View More

Keep your vehicle if you are current or can get current quickly. Same on your house. Keep thousands of dollars of other stuff.

If you can file in Michigan you will have to appear at one meeting minimum with a bankruptcy trustee. There is no court appearance in most cases.

Yes , if you want to keep the vehicle or real estate.

Not quite enough information to answer your questions. You need to ask the bank very specifically about the details of the debt. If your daughter is an adult she needs to contact the bank also. Whose money was taken? Hers or yours. What kind of debt did you have with this bank in your prior case?... View More

Too open ended question. Many questions need to be answered before giving a complete answer. You need to talk to an attorney.

Creditors have to file a proof of claim (POC) if they want to get paid in the Ch. 13. There is a time limit for them to do that. If the time limit has passed they will not receive anything. If not they may still file a POC.

Really doesn't matter to you since the debt will be discharged... View More

Question is vague. You have to list all assets including all properties. Need more information. What are you trying to accomplish?

If you have already retained another attorney it is not appropriate for me to give you advice. Perhaps that is why nobody has responded to your question.

You may not need to wait at all if you can prove all the money is hers.

I agree with both of the other answers. One of the things trustees look for is whether you paid money to friends and relatives with your refund. Don’t do that. Another thing is a possible waiver of the $335 filing fee. If you have significant $ in the bank the trustee will probably object to the... View More

Sounds like a prime candidate for a bankruptcy.

If you are absolutely sure you qualify for a bankruptcy then stop paying and save your money to hire a good bankruptcy attorney.

Did you sign a reaffirmation agreement and was it filed? If so then you can keep the car as long as you keep current on the payments.

If you didn’t sign a reaff then the lender will probably repo it if you stop paying.

You probably didn’t sign/file a reaff. That would explain... View More

The bankruptcy court uses something called the Brunner test. (Named after the definitive case.)

The bankruptcy court looks at the following three factors to determine if repayment of your student loans would cause an undue hardship, thereby justifying discharge of some or all of your... View More

It won't affect his credit score. As long as the mortgage payments are kept current there is no issue with you home. Note that even if he did file there is no issue with the house as long as the mortgage payments are kept current.

In addition to a $335 filing fee which is universal,... View More

Unclear what this has to do with bankruptcy. Who filed (if anyone)? When? Where in the process? If still open, amend as appropriate and list value as unknown.

Yes. You may get better terms if you buy before you file. Depends on your particular situation.

You will be dragged into it if you are a co-signor on any debts with him. Sometimes on a credit card you may only be an authorized user. That debt is all his. The creditor cannot come after you for that. You need to consult a bankruptcy attorney to get definite answers.