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answered on Jun 24, 2015
"Better" is subjective, and only you can make that decision. One thing you may want to consider, though, is that medical bills are unsecured debt. A home equity loan, on the other hand, is secured by your home. Once unsecured debt like medical bills is converted to secured debt like a... View More 
How do I do that?
answered on Oct 31, 2012
You would need to create and account with and log onto the Federal Bankruptcy Court (for the Eastern or Western District of Wisconsin) web page and search the PACER database records. There will be a modest expense for your searches. Alternatively you can hire an attorney's office with some... View More
Am I legally obligated to pay those medical bills, or were those debts dismissed in my bankruptcy?
answered on Aug 17, 2012
If the bills were listed in your case, and the Creditors contact info was correct, you are not obligated. But, that will not stop unscruplious collection companies. I do not suggest you call, as they can be abusive. Provide a copy to your attorney. If you did not have an attorney, send the... View More
answered on May 15, 2012
I would suggest you wait until after your Discharge is granted. Best to wait about six months. Note, there are tax ramifications of cashing out a retirement program.
To file chapter 7 because of a divorce and ex-wife has already filed in another state, all her bills came to me. Can the state take my annuity settlement in this state even for bodily injury? I know in other states they can not.
answered on Dec 8, 2011
If the accident occurred after you filed, it is not part of the case. If the accident occurred prior to the filing of your case it should have been disclosed in your Petition. If it was and the trustee abandoned it, then it is yours. However, you have a duty to report it to the Trustee, if the... View More
answered on Jan 13, 2012
Unless the underlying case was criminal and the fees awarded to the attorney are part of a fine, or the case was family law and the fees were found to be in the "Nature of Support", they are dischargable.
answered on Nov 8, 2011
A Debtor who is a Natural Person (vs. a Business) is permitted to represent him/herself in court. However, Bankruptcy is a very complicated area of law, involving a combination of State laws and Federal procedures. An attorney is not required, but is recommended.
answered on May 6, 2011
The bankruptcy code is fairly complex and generally most people recommend against filing without a lawyer. Wisconsin has some alternatives that are available in state courts to deal with unsecured creditors through Wis. Stat. Ch. 128. The uscourts has some informative videos about the bankruptcy... View More
answered on May 6, 2011
See http://www.uscourts.gov/FederalCourts/Bankruptcy/BankruptcyBasics/Discha...
The above information is not intended as legal advice but is intended solely for discussion purposes.
Exhausted all funds trying to keep up with debt. Could no longer pay. I am disabled and only get small monthly SSDI income. I'm trying for gov't home mod. for my mtgs. Now creditors filing law suits. I have no funds to pay for a bankruptcy lawyer. Need to know if there is anything I can do.
answered on Jan 24, 2011
There may be a pro bono organization resource that may help you: Check http://probono.abiworld.org/
The above information is for discussion purposes only and should not be construed as legal advice.
Good luck
www.ruskcountylaw.com
answered on Dec 6, 2010
Generally a judgment creditor can issue a garnishment notice to a bank in the county where the lien is filed. If you only have exempt property in the account you can block the garnishment of exempt property but you need to be proactive. If a creditor knowingly garnishes property it knows is... View More
answered on Nov 11, 2010
If I follow the question correctly, you are asking if the debt still exists after the bankruptcy discharge? In general terms, no - a Chapter 7 bankruptcy wipes out the debt - assuming we are talking about an unsecured nonpriority claim. In various scenarios, the debt could still remain.
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