Yes, you can file bankruptcy even if your ex-wife is on the deed and mortgage. Of course, you have to qualify to file and your bankruptcy would not get rid of any obligation your ex may have on the property. She would have to file her own bankruptcy if that was an issue. See a bankruptcy lawyer in... View More

No, your bankruptcy should not affect your future husband's assets. Your chapter 7 may even be completed and discharged if it is going to be 6 months before your wedding. Speak with a bankruptcy lawyer in your area if you have a further concern about this issue. Congratulations on your... View More

You count from the filing date of the 2010 petition, not the discharge date. Hope that helps. Good luck!

You cannot file chapter 7 again until June, 2018. To receive a discharge in chapter 7 it must be 8 years between filings. You count filing date to filing date. You may be able to file a chapter 13. Talk with a lawyer in your area to see what your options are. Hope it works out. Good luck!

Yes, you need to contact the lender. Reaffirmation is up to the creditor. You can state your intention to reaffirm but it is the creditor's decision as to whether they wish to do so or not. The creditor usually prepares the agreement as they have all of the figures on the loan balance and will... View More

You can only get a discharge in a chapter 7 case once every 8 years. You count filing date to filing date. If you qualify to file there is no limit on the number of times you can file other than the discharge restriction stated above. There is no limit on the amount you owe to file chapter 7. There... View More

Put together a list of all of your debts, all of your assets, 6 months of your income from all sources and do a monthly budget of your normal living expenses.Also, any lawsuits you are involved with. See a bankruptcy lawyer in your area and they will be able to review your situation and see if... View More

You have to list all debts you have in your bankruptcy schedules. You can agree to reaffirm certain debts if you wish and the creditor agrees. This means you would be responsible for the debt and would not get rid of it in bankruptcy along with all your other debts. Talk with a bankruptcy lawyer in... View More

There is a time limit on the ability to receive a discharge of your debts in a bankruptcy case. It is 8 years from filing date to filing date in consecutive chapter 7 filings if you received a discharge in the first case.. The rules are different for chapter 13. So, you could file before the time... View More

You can pack up and move anytime you wish. The creditor cannot pursue you for the debt. You were very wise to not reaffirm the mortgage. Most lawyers do not recommend a reaffirmation agreement on the mortgaged real estate. You may still be liable for the local city and county code laws regarding... View More

If you meet the qualifications to file, the fact that your wife filed would not prevent you from also filing. call a bankruptcy lawyer and see what your options are. Hope it works out. Good luck!

A case can be filed and the filing fee paid in installments as part of the 13 plan as you make payments to the 13 trustee in most districts. Be sure and get a lawyer to assist you. Chapter 13 cases can be very complicated and almost impossible to do without a lawyer. Hope it works out. Good luck!

Sure. Any source of funds that you receive on a regular basis could be income to support a chapter 13 plan. Talk with a bankruptcy lawyer in your area to look at your situation and see if chapter 13 would be a good option for you. Good luck!

Have a bankruptcy lawyer review your situation and that may be possible. For instance, in Tennessee, an unpaid judgement for a car wreck can lead to a loss of your license. If you file bankruptcy and discharge the debt you can then get your license back. Of course, there are a lot of factors that... View More

Yes. You do not have to wait on the sale. You should notify the attorney doing the foreclosure and the sheriff office that you are vacating the property. Also, turn off the power and water. If you had a bankruptcy lawyer, tell them that you are moving out. Good luck!

Sometimes programs like that help. Might be best to see a lawyer to review your situation and see what your best option is.

Most attorneys offer a free consultation so it would not hurt to get an opinion as to whether if the debt consolidation is the way to go. Hope it works out. Good luck!

If there are no assets for the trustee to administer a chapter 7 usually takes about 4 months. Talk with a lawyer near you to see if bankruptcy is a good option in your situation. Hope it works out. Good luck!

Generally, if you have a large amount of joint debt or individual debt it will be to your advantage to file together. Saves cost and fees to file together also. Have a lawyer look at your situation and see if bankruptcy will be a good option. Hope it works out. Good luck!

Mr. Nachbar is correct. Also, if you owe your employer money then they would be a creditor and should be notified of the bankruptcy case. See a bankruptcy lawyer in your area. They will be able to advise you as to whom will be notified if you file a bankruptcy case. Good luck!

The automatic stay protection of bankruptcy goes into effect immediately upon filing the case. If it is filed before the foreclosure then it will stop the foreclosure sale at least temporarily. See a bankruptcy lawyer asap. There are limitations on the automatic stay if you have previous bankruptcy... View More