Your question involves 2 separate issues. The first issue is the service contract. If you file the case and agree to assume the contract, which means that you will continue paying the regular monthly service charges, then your service will not stop. However, if you intend to reject the contract,... View More

You can file again, but you would not be eligible for a discharge in a case filed now.

Under Section 727(a)(8) of the Bankruptcy Code, you cannot receive a discharge in chapter 7 if the case was filed within 8 years of the filing of a prior case under chapter 7.

However, under... View More

A: You can file without your married spouse; however, any jointly held debt and property must be disclosed. Additionally, if your spouse works their income must be included in the Means Test and you will have to provide copies of their pay-stubs to the court.

A: You cannot seal a Bankruptcy Case?

A: Generally, if you are a party of the action, you cannot charge an “Appearance Fee”. However, if it was consented per the terms of an Agreement you can. Only attorneys can charge attorney’s fees.

A: Equitable Distribution is Dischargeable; however, if the payment is in the “Nature of Support” it is not Dischargeable.

A: If the Bky is still open you can rescind the Reaffirmation Agreement. If the Bky is completed, she can still do a voluntary repossession, but she will be liable for any deficiency after the vehicle is sole.

If you did not reaffirm the debt on your home, then you can surrender the property without penalty. This is simply because the debt was technically discharged in your bankruptcy case. You had the right to retain and pay until such time that you change your mind. You are off the hook as far as... View More

A Bankruptcy stays on your credit report for 10 years, from the Close, so it should fall off during August 2013.

The Trustee could still set a Motion to Dismiss for hearing. It may be difficult, but unless you have proof that you are currrent before the hearing the case will be dismissed.

Payment are generally sent out about two months after the Confirmation. If not received by then, you should call the Trustee.

If you are not current at the time of the hearing on the Motion to Dismiss your case will be dismissed. Current means the payment has been received and is reflected on the Trustee's system.

From your last discharge, you must wait eight (8) years to file a chapter seven (7), or four (4) years to do a chapter 13, as receive an other discharge. If for some reason you need the benefit of a Stay, such as to stop a foreclosure, you can proceed with a 13, reap the benefits of the Plan, but... View More

The courts are usually not as concerned regarding things received after the case is filed, as they are about the prior months. However, if the "gift" was expected, or within six (6) months of Discharge disclosure is required and it could be part of the bankruptcy estate.