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Indiana Bankruptcy Questions & Answers
1 Answer | Asked in Bankruptcy and Divorce for Indiana on
Q: My ex-wife has filed for bankruptcy, divorce decree states she is responsible for 35% of medical bills

Her portion of the balance is $1000, does the bankruptcy forgive that monies?

David Earl Phillips
David Earl Phillips
answered on Apr 6, 2018

If she is filing a chapter 7 you may be able to enforce the divorce decree language. You will need a bankruptcy lawyer to file an objection to her discharge of these debts. It may be that the amount is not worth the cost to hire a lawyer, but you need to speak with a bankruptcy near you to... View More

1 Answer | Asked in Bankruptcy for Indiana on
Q: if you file chapter 13 and it was dismissed because unable to keep up with payments, how soon can you file chapter 7?
David Earl Phillips
David Earl Phillips
answered on Mar 8, 2018

If you are eligible for Chapter 7 (have not filed a Chapter 7 in the last 8 years and received a discharge) and pass the means test requirements now, then you can file at any time. Be sure and talk to a bankruptcy attorney near you so they can go over your situation and be sure you do qualify for... View More

1 Answer | Asked in Bankruptcy for Indiana on
Q: How much of a personal bankruptcy case becomes public record?
David Earl Phillips
David Earl Phillips
answered on Feb 16, 2018

All of the statements and schedules and related documents included in the petition are public record. The exception is protection for full social security numbers, names of children, birth dates, and taxpayer id number. Upon a motion to the Court, sometimes other information can be kept private by... View More

1 Answer | Asked in Bankruptcy for Indiana on
Q: Can my wife & I file Chapter 7 and keep our home, equity of $30k? Our income is around $80k. Other debt is unsecured.
Cristina M. Lipan
Cristina M. Lipan
answered on Jan 19, 2018

Unless your household size is 5+, you're above the median income in Indiana, so your eligibility to file chapter 7 depends on the means test, which requires a more comprehensive analysis. You would need to retain a bankruptcy attorney to do this analysis.

Information provided for...
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1 Answer | Asked in Bankruptcy for Indiana on
Q: Can u get arrest for not going to examination on bankruptcy if u are found in contempt court
Cristina M. Lipan
Cristina M. Lipan
answered on Dec 4, 2017

It is possible. A judge has the ability to impose sanctions such as a fine or jail time, if you are found guilty of contempt of court.

Information provided for informational purposes only, and should not be taken as legal advice.

1 Answer | Asked in Bankruptcy and Landlord - Tenant for Indiana on
Q: I filed for a Chapter 7 bankruptcy a week before an eviction hearing. Does the automatic stay apply?
Stuart Nachbar
PREMIUM
Stuart Nachbar
answered on Oct 24, 2017

It will apply, but easily nullified. The hearing maybe allowed to go forward, depending on the Judge in the Bankruptcy Court.

1 Answer | Asked in Bankruptcy for Indiana on
Q: WHEN CAN I START PROCEEDINGS TO FILE A 2ND BANKRUPTCY IF IT WAS DISCHARGED 8/2010

I KNOW I HAVE TO WAIT 8 YEARS BUT IS IT 8 YEARS FROM THE DATE OF THE 1ST DISCHARGED DATE?

David Earl Phillips
David Earl Phillips
answered on Oct 11, 2017

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

1 Answer | Asked in Bankruptcy for Indiana on
Q: I am filling bankruptcy soon and I want to put my apartment on my bankruptcy what will happen after I do this

She filed a notice of claim against me how will that work after I file bankruptcy can she put me out or...????

Stuart Nachbar
PREMIUM
Stuart Nachbar
answered on Sep 26, 2017

Unless she has an Eviction Order, no she can not put you out. She will have to get relief from the Stay from the Bankruptcy Court first, then she can go to Landlord Tenant Court. Make sure your deposit is listed as an exempt asset on your Petition

1 Answer | Asked in Bankruptcy for Indiana on
Q: Can I stop paying on 2 court judgments (repos) three months before I file chapter 7?

I don't want them to garnish wages. My payments now are voluntary and set up with the attorney offices (2 different ones).

Doug Allen Bernacchi
Doug Allen Bernacchi
answered on Sep 22, 2017

This is not a fair question. Can you? May you? Should you? Or are you asking if you will or could be garnished in the next 3 months? I must assume you are not eligible to file now? Can anyone predict the future? Sorry, not something anyone can really answer. So, just file sooner rather than... View More

1 Answer | Asked in Bankruptcy for Indiana on
Q: can Adoption Subsidy be considered as income when filing chapter 13 bankruptcy
David Earl Phillips
David Earl Phillips
answered on Aug 28, 2017

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!

1 Answer | Asked in Bankruptcy and Foreclosure for Indiana on
Q: Our Ch. 7 Bankruptcy has been discharged. The motion for foreclosure has been filed and

Sent to the Sheriff. Can we go ahead and move out of the house?

David Earl Phillips
David Earl Phillips
answered on Aug 15, 2017

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!

1 Answer | Asked in Bankruptcy and Civil Litigation for Indiana on
Q: A creditor was awarded a civil judgement 6 days after I filed for Chapter 7 and that is now on my public record.

From my understanding, given that the automatic stay went into effect immediately upon the filing of my case, the state court could not enter a valid judgment after my filing. How do I petition the court to set aside the judgment?

Stuart Nachbar
PREMIUM
Stuart Nachbar
answered on Aug 2, 2017

Have the State Court issue an order coiding the judgment. You can probably do it with a letter with proof of filing. Call the state court clerk or judge's chambers that issued the order.

1 Answer | Asked in Bankruptcy and Consumer Law for Indiana on
Q: I received a summons in the state of INDIANA

I Received a summons and it said failure to appear may result in a judgement against you, but it doesn't say you must appear can that result in a warrant being issued for me can a default judgement include a warrant for my arrest it's just credit card debt..?

Alexander Florian Steciuch
Alexander Florian Steciuch
answered on Jul 19, 2017

You do not get a warrant for failure to appear for the initial hearing. As the summons stated, it may result in what is called a default judgment against you which is where the other side gets everything they ask for automatically because you were not there at the appointed time. If you were to... View More

1 Answer | Asked in Bankruptcy for Indiana on
Q: My final divorce 6/27/17 my ex filed chapter 7 on 7/11/17. The court order stipulates he is 100% responsible for one

Joint debt and we share 50/50 on second debt. Am I now 100% responsible for both debts? If he stops paying on court order debts what r my options

David Earl Phillips
David Earl Phillips
answered on Jul 16, 2017

You have the right to hire an attorney and object to the dischargability in his bankruptcy of the the debts he is to pay in the divorce decree. You will have to decide if the amount of the debt that could come back to you will be worth the cost of an attorney to file the objection. Call an attorney... View More

1 Answer | Asked in Bankruptcy for Indiana on
Q: Can you file for Bankruptcy if you have good credit scores (>700) but you have outstanding debt of more than $23,000.00?

My husband and I want to look into filing bankruptcy. We have good credit scores (>700) and no late payments filed. We have credit cards debt of approximately $23,000.00 (this does not include 2 Student loans totaling appx. $46,000.00). We have tried to consolidated these credit cards but to no... View More

Stuart Nachbar
PREMIUM
Stuart Nachbar
answered on Jul 8, 2017

Bankruptcy maybe an option. Other factors to include are home ownership, number of people in residence, how many mortgages on property. Amount of income between you both will also be a determining factor on whether you file a Chapter 7 or a Chapter 13. Credit Scores are not factored into the... View More

1 Answer | Asked in Bankruptcy for Indiana on
Q: I've heard that student loans can't be discharged in bankruptcy but is that only federal student loans? Some of my

student lenders are private.

Stuart Nachbar
PREMIUM
Stuart Nachbar
answered on Jun 29, 2017

It would depend on the actual student loan. While some private can be discharged, it depends on several factors including how written and who was original lender.

1 Answer | Asked in Bankruptcy and Foreclosure for Indiana on
Q: I am under a repayment plan with the IRS. Can I file bankruptcy to stop a foreclosure on a rental property?

I want to keep the property and reinstate it. The mortgage company doesn't seem willing to work with me.

David Earl Phillips
David Earl Phillips
answered on Jun 7, 2017

You will need to see a bankruptcy lawyer before the foreclosure date to determine if you qualify to file a bankruptcy case. Chapter 13 is most likely going to be the best way to stop the foreclosure and maybe keep the rental property. The IRS repayment can be dealt with in a chapter 13 plan and the... View More

1 Answer | Asked in Bankruptcy for Indiana on
Q: Can a chapter 13 stop a landlord from evicting after receiving a judgment?
Nels Hansen
Nels Hansen
answered on Jun 2, 2017

Yes with conditions and limitations. If you as the tenant are behind on the rent and you wish to assume the lease you must stay current on post-petition rent and cure the arrears in a timely manner. If your landlord already has a judgment for possession in an eviction you must file Official Form... View More

1 Answer | Asked in Bankruptcy for Indiana on
Q: If I filed bankruptcy in one state and then moved to another, could that have any effect on my ability to discharge my

debts?

Stuart Nachbar
PREMIUM
Stuart Nachbar
answered on May 26, 2017

It depends on if you a did a chapter 7 or a chapter 13. Under a 7, as long as the all the proper paperwork is done and you file the second credit counseling and notify the court of the move, no problem. Under a 13, all plan payments have to be met and other issues dealt with. Talk with your... View More

2 Answers | Asked in Bankruptcy for Indiana on
Q: I need to file chapter 7 to stop a garnishment I can't afford. How do I stop it so I can pay for the BK

I get paid once a month and my net is 2400.00 the garnishment takes 600.00 which leaves me a net of 1800. Once I pay rent & utilities, I have a few hundred left for food and gas. I need to be able to save up for 60 days so I can pay for the BK but I can't do it if I continue the garnishment

Stuart Nachbar
PREMIUM
Stuart Nachbar
answered on May 24, 2017

Difficult situation. You might be able to apply to the Court to pay the filing fees in installments, but that is the only thing..

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