No. Prepetition debt only.

Your bankruptcy discharge will no protect your mother. If the loan documents specify that she is liable if you do not pay, then the crediter will most likely be able to pursue her if it chooses to do so.

Regards,

Bill Cope

If you're current on the auto loan payments, 95% of the time, the bank won't do anything, and you can keep paying the existing loan (and keep the car you have now). You may also be eligible for redemption, if the value of the car is less than what you owe. I don't think you'll... View More

You can amend the schedule you filed showing $7000 to $14000 if you wish. The fact that you were incorrect about the amount should not affect the discharge of the entire amount. In chapter 7 it is being sure the creditor is listed that is more important than the actual amount owed in most cases. Of... View More

Inurge you to wait until after you file due to the fact that your partner's income would be subject to the Means Test calculation if you move in together and are married.

You should be able to however you need to do everything right with your second filing. The creditor may object to releasing the car. If you did not hire an attorney for your first case, you should absolutely hire one for a second case. You will need to file a motion to extend the automatic stay.... View More

Yes, they are voluntary contact the debtor's counsel at once. You know the best time to call is in the am, but you can check pacer reports to see if the lawyer has court hearings. Hint call them when they aren't in court. Email address of debtor's counsel is a great way and also... View More

Sorry, but all I can make out is that you are considering filing a Chapter 7 bankruptcy petition, and you want to know if you need to put something in the schedules and statements which must be filed. I can't figure out what "total loss check" means. If a creditor has no lien on... View More

You can request that the court approve a "reaffirmation" agreement without retaining an attorney. A reaffirmation agreement will affect your discharge rights and should be entered into only if you understand it completely.

A: If you case has no unexempt property, you can simply fail to show for the Meeting of Creditors, and the Trustee will usually dismiss the case. If you have unexempt property and/or you have already attended the Meeting of Creditors, you will have to file a Motion to Dismiss and have a hearing.

A: Yes, but most people do not know where to look. It would require someone to sign up for a special governmental service, then do research.

Too confusing to answer. Generally speaking, if you have fallen behind on mortgage payments the creditor has a right to foreclose on the property. Chapter 13, under which you propose to bring your loan current over a period of 3-5 years will prevent foreclosure. Not sure if that answers your... View More

Having your wages garnished does not prevent you from seeking bankruptcy protection.

You are at the risk that the mortgage creditor will file a motion for relief of stay in order to pursue foreclosure. If you have an attorney, contact them immediately.

You could have joined her earlier, or she cal file her own chapter 7 bankruptcy. In Nevada, husband and wife are responsible for each other's debt but in order for her debts to be combined debt, she should have joined you in your chapter 7 bankruptcy. If you had asked her to stay, she would be... View More

Yes, this is an acceptable document, and bankruptcy court generally give it a judicial notice if a true and certified copy

It cannot be taken for debts which were included in your bky. However, it something was omitted or it was not dischargable, and your State does not provide a Homestead Exemption, then it could be at risk.

First call the scheduling attorney and ask. If he/she says no, and the reason you are ask is because of a real EMERGENCY you can motion the court.

You could be found in Contempt of Court and put in jail.

Sign up for PACER at the District Court for the respective jurisdiction. This is a governmental website and 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