"Debts and assets intentionally left off".

If it's a Chapter 7 case, and the discharge has been granted, adding the omitted creditors may not expand the coverage of the Discharge to the newly added debts.

The bankruptcy Schedules are signed by a debtor under penalty... View More

The first thing you need is a lawyer; however, you should probably either pursue the appeal or file a motion for remission of the funds to you. i am not a TN lawyer, so go find one!

Good Luck.

d

No.

Under the Uniform Commercial Code, adopted in most states, a secured creditor has the right to enter the premises and inspect its collateral, and in addition, to render it inoperable, where applicable. But a creditor may only do so without a "breach of the peace", e.g., they can't... View More

That seems very straightforward. I am going to assume that you have exhausted your nonbankruptcy remedies. There are some very good non-profit agencies like crown financial ministries, or consumer credit counseling service, that can help you negotiate and adjust debts with your creditors outside... View More

The garnishment will occur unless you seek bankruptcy counsel and file before the return date on the writ. Your lawyer that you hire for Bankruptcy knows how to halt this--otherwise, the garnishee fund, whether a bank or your employer, will have to respond.

Good Luck

d

It depends on how bad your credit is. You need to be at least above 640. More is better. Since you are dealing with things that are not easily removeable, I would use a lawfirm like Lexington Law, because they can handle things that need to be removed due to violations of the Fair Credit... View More

If you are indeed judgment proof, I believe that should be enough to dissuade debt collectors from harassing you, but if not, get a lawyer and allow them to take the steps necessary to stop the creditors from harrasing you.

Depending on your actual financial and cash flow position, a Chapter 7 might be what you are interested. If the RV is your only debt bankruptcy seems a bit extreme; however, it is what the number say.

Good Luck

d

No. Unemployment is considered income.

No, this money is explicitly excluded from the definition of income in the CARES Act. This means it does not need to be paid into your plan.

However, if you have recently become unemployed due to the coronavirus and are not making payments into your Chapter 13 plan, you may want to speak... View More

Why don't you ask your lawyer who is representing you in the 13.

You do not provide enough data to answer this intelligently; moreover, this is not a substitute for personal counsel.

Good Luck

d

While in a chapter 13, any attempt to obtain credit requires authorization of the Chapter 13 Trustee in your Court under 11 USC 363.

A short and simple answer is that a judgment lien in Tennessee is only valid for 8 years. However it seems that there are some moving parts in your questions. If you would like to email me, I can refer you to a real estate lawyer in your area to give you better advice.

This really depends... View More

You should, yes.

If you mean your tax refund check, then yes. If you mean the CARES Act Covid-19 stimulus check, then no.

Go to trustee13.com. Choose Gwendolyn Kerney who is your Chapter 13 trustee. This will take you to a login screen. Your username is your case number and password is the last four of your social.

You need to amend your petition and include them, then use any remaining exemptions to protect your payments.

Yes! The CARES Act explicit excludes the stimulus payments from "current monthly income." In other words, it does not need to be paid into your Chapter 13 plan

Yes. If it is current you should not have a problem.