My wife and I entered Chapter 7 bankruptcy just 5 days ago. 3 days ago my bank removed #100 from my checking account, and when I contacted them, they verified it was them and they took it for "processing" the bankruptcy notice. This account has been positive and current for 15 years, with no risk... Read more »
The bank did not "levy" your account. The bank imposed a service charge that they (presumably) informed all their customers would happen if the customer caused the bank significant work processing the notice of bankruptcy papers they received. (BTW: Your bankruptcy lawyer should have told you...Read more »
I am still legally married. We have lived separately for well over 4 years. I would like to file bankruptcy. I've been told that in order to do so that we both would have to file. He doesn't want to. I need an idea of where to start. Should I start the divorce first or is there a way to do the... Read more »
In New Jersey, if you are living separate and apart, then it is possible to file without your spouse. The consideration of deciding whether to divorce first or file first, is a question better suited for an in depth discussion with a matrimonial counsel who is familiar with Bankruptcy in your area.
To qualify for a chapter 7, the primary test you must pass is the means test. There are other tests, such as the residency test, etc. The means test examines the size of your household and applies a certain annual gross income threshold figure to see if you qualify. The judge doesn't ask you...Read more »
I am a concerned daughter of a couple living in Athens County, Ohio. My father is ill with cancer (being treated through the Veteran Affairs system) and during my last visit (recent) my mom indicated they only have approximately 2 months worth of funds left to pay bills before potentially... Read more »
Actually you can. If the last payment on the student loan comes due after the date on which your Chapter 13 ends, then your Plan can treat it as a long term-debt and the case could complete in 22 months after the other unsecured debts are paid in full. However, you would ordinarily be required to...Read more »
The house is paid off free and clear. I was in a wreck after losing insurance cause husband has cancer. I need to file chapter 7. Will anything happen to my dads house will it stop me from filing. Also how long do you have to live in a house before filing.
It doesn't sound as if the house is your primary residence, so the homestead exemption does not apply. Therefore, if you filed for Chapter 7 bankruptcy, one half of the value of the home is subject to liquidation. On the other hand, if the residence is your primary residence, then the homestead...Read more »
Kept paying loan I went to trade car in and they pulled credit report and said I have no car loan and that they are taking my money and are double dipping because it was discharged and couldn’t except car as trade in is this correct they also said I should stop paying on the loan and let them... Read more »
If you signed on the car loan, you are still liable to pay for it. The debt is discharged as to your bf, but not as to you. Depends on how much equity is in the car as to whether you should surrender it if you are NOT on the loan.
I spoke to a lawyer about qualifying for bankruptcy and she said we made too much to try back in a couple of months when we made less. But my car has stopped working so i need to trade it in to buy a new one. Is that going to prevent me from filing chapter 7 in a few months? Are there any negative... Read more »
Had acquired medical debt from when I was married. Been divorced for 9 years. He just filed bankruptcy. My wages got garnished. I believe he filed on said medical bills. Will it show up in good standing on his credit when it's paid off???
If you don’t make the payment they will ultimately take it but it is temporarily protected by the automatic stay. If you want to keep the car, keep paying for it. If you don’t want the car, stop paying for it.
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