No individual (or married couple) needs to get a "new" EIN when you file Chapter 11. Also, there is no requirement that married couples file individual tax returns.

Individuals (or married couples) who file for Chapter 11 must be current in their tax filings but the... View More

In general, the personal liability for the mortgage was discharged. Thus, the lender cannot request payment from the borrower. However, the bankruptcy does not eliminate the lien that the mortgage lender has on the property. Thus, it is secured on the property. If the property is sold, the... View More

The Bankruptcy Code specifically identifies what is a nondischargeable student loan. Although the language can be found at 11 U.S.C. Section 523(a)(8)(A&B) - the analysis required should be sought by meeting with an experienced bankruptcy attorney. I urge you to do that.

If your bankruptcy case was filed in the Southern District of California, I may be able to help you.

I invite you to call my office to schedule a free consultation.

Impossible to answer specifically from the information available but if they are proven frivolous, you may be able to recoup your fees in the bankruptcy case. Recouping in divorce court would depend on the specific language in the court order or agreement.

You may have a claim against the creditor for violating the ultimatum stay, especially if she calls again. Try to record it and get some proof.

If a creditor is calling with the intent to collect a debt, then the automatic stay arising from the filing of your bankruptcy is being violated regardless of whether you are represented by and attorney or not.

The number of children in your household comes into play in calculating household living expenses, which in turn is just one of the multiple factors required to undertake the means test evaluation.

You really need the help of an experienced bankruptcy practitioner. The multiple filings may be problematic and the issues involved with short sale and loan modification can be complicated and frustrating. You should be able to get a consultation and at least get some advise for the right... View More

I’d take the new job, stretch out the depart/start time to meet the 30 days if possible. Highly unlikely you will have to repay any premiums at all.

If you file a Chapter 7 bankruptcy and list the three civil suits and creditors, you can likely discharge them. Upon discharge, you can then obtain a valid drivers license.

It is unusual for a hospital to deny service after bankruptcy unless the patient demonstrates an inability to pay the new bill. If you have insurance or other form of guaranteed payment, the hospital will likely treat you.

There are many different factors that determine if and what type of bankruptcy you may file. You really need to sit down with a bankruptcy attorney in your area and they will give you a free evaluation of your own unique situation.

The toll fee that was not paid is dischargeable but they also charge a larger amount for a fine/penalty for nonpayment - which is not dischargeable.

It's impossible for someone to analyize your situation without sitting down with you and going over everything. You most likely can get a free consultation from a local bankruptcy attorney in your area.

Yes.

Hire a competent local attorney to assess. I’d the landlord or the lender took these actions without seeking relief from the stay in bankruptcy court, they may have violated your rights as well as the stay.

Go to the bankruptcy court and ask the clerk's office. I believe this is the location:

http://www.cacb.uscourts.gov/court-locations/riverside

It's sounds kind of fishy. Sit down with a local bankruptcy attorney who can tell you if it's legitimate or not.

You should contact a Bankruptcy attorney in your area right away. Most likely a debt from that long ago has past the statute of limitations but there is more to it than a simple answer on a website like this. Get on this right away.