I mean, as long as the debt was incurred prior to the date the bankruptcy was filed, is it not covered in the bankruptcy.
133684
I think they must be listed...ask attorney....you can also have things revised
647865
either way you will need a bankruptcy attorney. the purpose of the corporation is to protect your personal assests no matter how big you are. if you used any personal property to gaurantee anything you can lose it. anything you personally agree to cover is a binding contact. but there are new laws now that make it harder to file.
529678
Put in your request with the bankruptcy court, but you'll be faaaarrrrr down the list of creditors that get paid.  \n\nThanks for the change in bankruptcy laws Congress :(\n\nI'm afraid in all likelihood he's SOL.
418439
For the amount of time it would take to work your way to pay off your bills for bankruptcy, you would be better off paying your bills.  Bankruptcy is like going to jail -- it's on your record, basically, forever.  Ten years is when it is removed from your credit report, but you will find even on job applications questions like "Have you ever filed for bankruptcy?"  It is considered an irresponsible act, and affects ALL aspects of your life.  Much, much better to work out a payment plan, pay it off, and be done with it.   A lot can happen in ten years, and you do not want that mark on your record in case you want a new car, a house, a better job, etc.  Even in relationships, people often don't want to be involved with someone who declared bankruptcy because it shows an irresponsible person. Get credit counseling -- they can help lower payments or help send the payments for you.  If you overspend, then get some psychological counseling and find out why -- bankruptcy really is like a jail term....be forewarned.
94050
Actually, not everyone may file a 7 bankruptcy.\n\nYou must be eligible.\n\nA person who has had a chapter 7 discharge within the past 8 years may not file a chapter 7 bankruptcy case.\n\nA person may not file a chapter 7 bankruptcy if doing so is "abuse".  A case is presumed abusive if the person makes more than the national median income, approximately 40,000 for an individual and approximately 70,000 for a family of 4.  If a person's chapter 7 bankruptcy is "presumed abusive", he or she may still be able to file a chapter 7 case if the parson passes a somewhat complex "means test".  The means test determines whether a person has enough "current monthly income" to pay at least $10,000 to unsecured creditors over 5 years or at least $6,000 to creditors over 5 years if that results in paying at least 25% of the unsecured debt.\n\nA debtor must take a credit counseling session before being eligible to file a chapter 7 case.\n\nBankruptcy will discharge all of your dischargeable debts (but not taxes, student loans, domestic support obligations and others).  However, interest rates for a debtor for several years after a bankruptcy will be higher on loans or credit cards
370403
They don't.\n\nSee 11 U.S.C. (the bankruptcy code) Section 523(a), which prohibits the discharge of debt fraudulently obtained.   When one purchases on credit with the knowledge or belief that they will not repay their creditors, that person is committing fraud and is subject to both criminal and civil sanction. Simply put, when one charges a debt, one promises to pay the debt back.  If that person is not planning on paying the debt back at the time of the promise, that person is guilty of fraud.\n\nIn any event, non-dischargable debt must be repaid, regardless of whether your friend files for bankruptcy.  Furthermore, dischargable or not (that is, even if not fraudulent), depending on the level of your friend's debt and the amount of assets available to satisfy her creditors, the bankruptcy trustee might very well be entitled to sell all or part of your friend's non-exempt assets (including what she purchased during her mad spending spree) in order to pay off her creditors.\n\nHow will anyone know what your friend was up to? The appointed bankruptcy trustee and any interested creditor will learn of the "mad spending spree" just by examining your friend's financial statements - which they will be entitled to examine - and may even undergo further discovery.  They will most certainly argue that the spending spree, on its face, demonstrates an attempt to defraud creditors and it does not sound like your friend will have an adequate defense.  And if she lies about it under oath, she would be guilty of perjury too.  They also might very well refer the matter to the district or U.S. attorney's office, to further investigate the fraud allegations.
65366
Talk to the attorney that represented you in the bankruptcy. That is what he/she was paid for. Make sure this creditor was in the petition to discharge in the first place. If not then they have every right to pursue the matter further.
117839
I don't think that companies that are considering bankruptcy are posting this info on the web. I believe bankruptcy court might be your best bet but hey thats just a guess.
243682
I am going to add on to what the other people have said before.  to answer your question, yes, they are both considered bankruptcy.  Chapter 7 is the best option if you have low income, would not be able to pay back some of the debt in a payment plan, and you don't own more than 2 vehicles, one house or a lot of high priced items.  You also have to pay the attorney and court fees up front.  When I checked two years ago, the fees were around 800 dollars in my state.  With the new BK laws, if you can afford a payment plan, then you can not file Chapter7.  And you must meet with a credit counselor before you file either 7 or 13.  with 7, once the plan is approved and discharged you are done with the proceedings. It will remain on your credit report for 7 years after discharge.  \n\nWith Chapter 13, you can put the attorney and court fees into the plan.  I had to pay 500 dollars up front and the remainder 1200 was put into the plan.  You will set up a budget of your expenses and ask the court to approve that budget.  the budget I completed had money set aside in it for entertainment, cable, cell phone, internet service, pet expenses and etc.  It was actually very generous and was approved without a problem.  I was even allowed to include estimated costs of fixing my car and house repairs in it.  And I did not have to provide much proof.  However, it is against the law to lie on the forms.  From what I understand, the courts want you to be able pay back at least 100 dollars a month.  The courts don't make you liquidate your savings and bank account under 13, like they would in 7, but they will take that information into consideration when setting up your payment schedule.  However, if you own a lot of high dollar personal property and have loans on them, they may request you give one of the items up before proceeding.  An example is I was waiting in the trustee area and overheard the trustee telling someone that they had to give up one of their vehicles.  The couple owned two cars and a motorcycle.  They had loans on all three and the trustee would not allow them to include payments for all three in their BK repayment plan.  Neither plan will take money from your retirement accounts, from what I understand.  Federal law allows exemptions of your house, up to a certain amount.  13 is not completed until all plan payments have been made.  However, during Chapter 13, you are protected from lawsuits and such during the repayment time.  Your BK will not be discharged until all plan payments have been made.  It will remain on your credit report for 7 years after discharge.  See the links below for more information.
155569
I don't think that they are allowed to seize your refund after the bankruptcy has been discharged!  I'm like 90% sure that as soon as you are discharged the people that you used to owe money too are no longer allowed to contact you in any way shape or form (to include looking into tax returns bank accounts whatever) unless you give them written permission to do so.  You should really contact the lawyer that you filed with and ask them, after all that's what you paid them for!!!
33508
First, this is a question for legal counsel in the jurisdiction.  Bankruptcy law is a mix of local and national laws.  That said, the money isn't yours once you go into bankruptcy, it is the trustee's money now.  Everything due to you isn't yours anymore.  Whether you can gain access to the funds depends totally on the particulars of your case.  Think of it as no different than if you had $2000 in a checking account.
324228
it should be cleared, as well as all attempts to collect it after 7 years of default. you will have to do the leg work as creditors won't do it on their own, so push them and keep pushing them to remove it.
72408
Ask your bankruptcy lawyer, they will know.  It won't hurt to try.
539598
Bankruptcy does not dissolve federal tax debt nor most state tax debt. but I have heard of people paying all of their back taxes with a credit card just before filing bankruptcy, not that I would suggest that.
472276
You are asking a question that borderlines the unethical.  Bottom line, unless your debt has been legally discharged such as by a bankruptcy court, you owe the money, and they can follow you to your grave literally, by making a claim against your estate when you die.  Live right.
408005
If I understand your question correctly, you want to know if you will be entitled to a 100% refund of all of the taxes withheld from your paycheck when you file your tax return, because of the bankruptcy.  The answer is NO. Bankruptcy does not erase your tax liability to the IRS.  As others have pointed out, you may owe additional tax on the amount of debt forgiven under the bankruptcy.
630908
Yes.  Charging off is just an accounting term, and most companies do this after a certain period of no payment.  This does not make the debt disappear.  You still owe the debt, so they can sue until the statute of limitations runs out in your state.