No, when you file bankruptcy you have to list all of your debts. However, the damage to your credit from bankruptcy is only temporary. If you pay your bills on time after you get a bankruptcy discharge, your credit score will probably go back up again relatively quickly, because your debt ratio... View More

Creditors would not be able to go after the house owned by spouses as tenants by the entireties, unless both spouses were liable on the debt. But note, in a bankruptcy it would be the bankruptcy trustee, not creditors, that might do this.

As always, you get what you pay for. Be sure to... View More

Their may be an advantage to filing before a divorce, but your situation is too complicated and/or the facts too sparse for an attorney to advise you in an on-line discussion so I don't want to go into detail. You should consult with an attorney who handles bankruptcies.

Get rid of the car. The title now belongs to the lending company. List the original lender, the seller of the car and the company that all previous liens were consolidated with and BE FREE of this lousy car!

For purposes of the Chapter 7 means test, Social Security benefits are not income. But for purposes of Chapter 13 disposable income, yes, Social Security benefits are counted as income from which your allowable expenses are subtracted to arrive at disposable income in Michigan. In some other... View More

Your local bar association or legal aid society.

No one can answer this question for you, or suggest an answer for you, without sitting down with you to talk specifics about all the things you mentioned in your question. You should call a bankruptcy lawyer and ask to set up a consultation.

Yes, there is a way.

First, pull a copy of your credit report. You can get a free copy of your credit reports from the 3 major Credit Reporting Agencies (Experian, Transunion, and Equifax) from the site http://annualcreditreport.com. This will give you an ideas of any debts that are being... View More

Yes. When you file bankruptcy you are supposed to list all of your debts, regardless of whether you want to “include” them in your bankruptcy or not. Payday loans are usually unsecured loans, and would be able to be discharged along with your other general unsecured debts. You’ll need to file... View More

Yes, you need to speak with a bankruptcy attorney of your own to obtain the best advice moving forward and to discuss possible defenses to what are called "preference avoidance actions." Long story short, any property sold or transferred by a debtor who files bankruptcy within 2, or even... View More

No. These questions are answered by lawyers all over the United States. You should contact a competent bankruptcy practitioner in your jurisdiction.

If by "this office" you mean a private bankruptcy law firm, there is no income limit to file bankruptcy. But your income might affect the bankruptcy chapter you have to file under.

If you want to file Chapter 7 bankruptcy, your income needs to be less than the state median for... View More

Simply file an amendment with the court on the locally approved amendment form.

You can file a Notice of Conversion with the court and pay a conversion fee. However, keep in mind that you must still qualify for Chapter 7 bankruptcy in order to complete your case and receive a discharge. There are more steps than are listed here. It would probably be best for you to work with... View More

You must remain current on Child Support payments and if you owe back child support, make arrangements to get caught up

You will have to file suit and get a judicial order directing that the lien be released.

No. But if you have joint debts then the fact that your wife filed bankruptcy on a joint debt might show up on that debt’s trade line in your credit report.

As always, you get what you pay for. Be sure to talk to a qualified attorney about your specific situation before choosing to rely... View More

Not without your landlord being granted relief from the stay.

No. Simply choose an online provider who will file it with the court. Take the course online and you’re done.

Good question. The answer may have to do with tax refunds. If you regularly receive refunds, the best day to file may be just after you have spent your refunds. There are a lot of competing considerations, but that's my candidate for a seasonal factor.