Removing derogatory information in your credit report does NOT absolve you of the underlying debts that caused the information you want removed. Filing a Chapter 7 may result in getting rid of some or all the debts--but your credit report will then contain that information.
If I file a chapter 7, and want to reaffirm my mortgage, that is past due 120+days , would I have to become completely current or up-to-date before the mortgage company will agree to reaffirm or work with me on making arrangements. And after I file chapter 7, if I understand correctly, the mortgage... Read more »
I was disabled by injury 6 months ago and can no longer work. I receive regular money from the government but have next to nothing left over after basic expenses. I am now severely in debt due to medical bills and less income and can’t afford my minimum payments anymore. I contacted my credit... Read more »
You need to consult competent bankruptcy counsel who is knowledgeable in student loan modifications and/or forgiveness. Only after you run the guidelines can you have a real idea of what your actual payment could be.
I now have the car we figured I would just switch it in my name when it’s paid off. The interest is really high on it though. I am able to still pay it off but my credit is not high enough to put it in my own name, or to even get a refinance. But when she claims bankruptcy does that affect my... Read more »
Looking at the definitions there isn't anything really explaining "income". "income" has been defined by the Supreme Court very well when dealing with the Income Tax. Would this be the correct definition to fall back on?
In bankruptcy involving ex-wife, dual ownership of the home, we have jointly owned vehicle and RV that have loans. Don't mind losing the rv, but where we live a car is necessary. 1. Would he lose the whole house even if it jointly owned with the ex-wife? 2. Would we be able to keep the car?... Read more »
If you file a Chapter 7 bankruptcy and receive a discharge of your debts then all listed unsecured debts in your petition will be gone and uncollectible by the hospital. Any new charges after you file bankruptcy would still be yours to pay. Good luck!
I have questions regarding whether to file bankruptcy or not.
1. I have total of over $60000 debts including $12000 on multiple credit cards, $1400 my last apartment, over $50000 on my student loans, and about $600 debt to district court for my traffic ticket. Can I get rid of all my... Read more »
Really you cant keep it private. It is considered public information and is accessible via the PACER court system to the public if they register and are willing to pay 10cents a page to look at your bankruptcy pleadings.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.