You do not have to be behind on your bills to file for bankruptcy. Many clients are current on all of their bills, however, they are struggling to survive month to month. Once you have made a decision to file, you should stop making payments on debts that are going to be eliminated.

Impossible question to answer.

The only way to find out is to try. However, I would caution you to discuss the implications of doing this with your attorney.

Impossible to answer. Do I need an oil change?

No, you may not add post-petition incurred debts to your previously filed bankruptcy.

NO. Bky expressly, will not discharge liability for criminal/traffic fines/penalities.

You do not explain exactly what the circumstances are. I do credit card collection defense. I do not do bankruptcy. I would also contact a bankruptcy attorney in Illinois. They can help you navigate through that.

If you are on talking terms, it is better to do a joint Bky before the divorce.

Once you file for your bankruptcy it creates a bankruptcy estate that includes all your interest and debts. This includes your tax returns. Depending on your trustee and district, future tax returns are dealt differently. Consult your current attorney or local legal organization or clinic where... View More

yes, and more importantly, you must include all debts in your chp 13 bankruptcy. however, unless your ongoing mortgage payments includes the escrow payment, than your future property taxes must be paid outside your bankruptcy unless otherwise dictated in your chp 13 plan. Consult your current... View More

There is no wait, during or after the case. However, most lenders will not give you a loan until after your case is discharged. Even then, most want to see that you are now responsible. Usually, to build up a good track record takes about two (2) years, but expect to have a high interest rate.

There is not one. A Suggestion of Bankruptcy Stays all lower court actions. You should file a Proof of Claim in the bankruptcy case. This form should have been provided to you with the Notice of Bankruptcy. Depending your priority as a Creditor and if the Debtor has any property to be... View More

Sign up for PACER at the District Court for the respective jurisdiction. This is a free service, as long as you use less than $10 of services per calendar quarter. Once signed in you can pull up the specific case and review

Ask for their case number. Then go to http://www.pacer.gov/. You will need to make an account, but from this website you can look up and access all bankruptcy cases.

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answered on Jul 22, 2011

You can send a letter to the creditor asking them to remove the items if the information is not accurate. If they fail to do so, you may have a cause of action. You can also send a letter to the credit reporting agencies.

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answered on Jul 22, 2011

The answer depends to an extent on what the fee agreement says and also in part what the fee approval order called for as well as a determination whether the lawyer completed his or her job for a chapter 13. He or she may be requiring an additional fee if the conversion ws not included in the... View More

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answered on Jul 22, 2011

You should be able to locate this information on Google Scholar or the Banruptcy Reporter.

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answered on Jul 22, 2011

Yes, unless waived by the lender. If the co-borrower is being releases of his or her liability in the underlying note and mortgage ( not likely), I do not think a signature would be needed.

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answered on Jul 22, 2011

Chances are that a lender is a partial cause of your need for a modification, so I would hire counsel to assist you. there are counsel who focus their practice on modifications, so I suggest that you hire one of them.

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answered on Jul 13, 2011

Many people file bankruptcies without a lawyer. Less in recent years since bankruptcy reform in October of 2005. The answer really depends on your ability to understand and follow law and instructions, how complicated your financial situation is and what you hope to accomplish.