Can you file Chapter 7 bankruptcy after you have filed Capter 13 and it was dismissed due to non payment?
601776
yes but you will have to wait at least 7 years for the 13 to go off your report if you are looking for home loan
711165
I doubt that the bankruptcy trustee would excuse you from attending the Meeting of Creditors that is required under the Bankruptcy Code.  Besides, what is the urgency to file bankruptcy while you are still incarcerate?  You can file after you get out.
483076
If you have to file go for chapter 7. A bankruptcy stays on your credit report for 7 years AFTER it's discharged. So if you go 7 it's dischatged immediately and if you go 13 it's\ndischarged after you finish making payments...about two years from now. So you credit will be bad longer with a 13. Also, most of the people you probably owe (credit cards, phone, etc)\ndon't care. They've made their money from you and will get a tax break from your defaulting on your payments...good luck on a new start.
698923
Chapter 13 will be off your credit report in 7 years rather than 10.  You may be able to accomplish debt restructing without chapter 13, which could help you get your credit repaired slightly more quickly.
859021
If you're in deep debt (like over $25,000) you might want to consider it. I was over $28,000 in debt and I decided to file Chapter 13 (Repayment plan). It was the best move for me because I would have never paid off my credit card debt. True, Bankruptcy does stay on your credit report for at least 7 years, but it's worth ridding yourself of the aggrevation and stress of not having any extra money to save. I filed in 2001 and have finally got my credit back on track. Plus, my bankruptcy will be removed from my report in 2008. Contrary to what you've heard about it, there are still many places that extend credit to you even after a bankruptcy. If you're deep in debt, talk with a lawyer and get the facts.
701342
Chapter 13 is actually the "repayment plan" where you make one payment a month to the courts and you get to keep all of your property and utilities. Contrary to a Chapter 7 or 11 where they take the property that you claim on your bankruptcy if it has not been paid for. I did Chapter 13 and I think it is the best way to go.
1087331
probably not. bankruptcy needs seasoning in order for you to be eligible to get another refinance or mortgage. if its within the past year then it's too soon.
1053039
The new rules for chapter 7 bankruptcy effect approximately 3% of the population.\n\n#1 You will now have to attend a counseling session before filing\n#2 You will have to attend a financial management course after you file\n#3 You will also need to provide more documents to your attorney to file for bankruptcy.\n\nThe previous answer is totally invalid. I hope you know that. There is no debt to pay back after chapter 7. And in less than two years I raised my scores into the mid 600's. It's business as usuall and I am able to qualify for a home mortgage, a car or most credit cards if I choose.\n\nThere are scores of attorneys out there who love doing bankruptcies because it's gravy work for them. You should find someone suitable for about $500. Filing fees should still be under $300. I actually filed my own bankruptcy with the help of a legal aid office for $550, lock,stock & barrell.\n\nIf you do hire an attorney, He needs to sit down with you for an hour and fill out the paper work with you. That his job. He knows how to fill in the blanks. The reason I say this, an attorney I sought out handed me the papers to fill out and sent me home.\nI had so many questions I was stymied. I sought out another attorney. He asked me to bring all account information to his office. We sat down and he filled out the paperwork as he was asking the questions.
647921
Yes, you can file for bankruptcy.\nYou will still have to pay the court judgment and according to the new bankruptcy laws probably all of your other debt but it might stop some interest charges and late payment fees.\n\nYou should consult an attorney obviously I do not know what state you live in and the details of your case.
983575
I think these guys are confusing chapter 13 with 7.\n\nYou do not have to turn over future tax returns when filing Chapter 7.  Once you get your discharge, that's it!
662752
I can't stand you people who are giving horrible advice. If you file suit against someone and they file bankruptcy, you are still able to collect. Judgments are non dischargeable when filing Bankruptcy. Any court order form of payments are nondischargeable. You get a judgment and record it with the clerk/state, it is vaild for 10 years and if the defendant receives any money or assets you can place a lien on them. Also, if you get a judgment you and your attorney can file a citation to discover assets to get your settlement. They will then need to sell any assets they own (up to a certain amount) to satisfy your judgment.\n\nDo not take the first amount the insurance company offers you. You can get more. Even without an attorney you need to ask for things other things like gas that was in your car, if you had new tires, they usually will pay the tax on a new car up to the value of your old car, the title and license. You can accept the check from you insuance company and then sue her and her insuance for reimbursement. Your insurance will put a lien on the amount you recover usually 2/3s of what they paid out. Don't give your insurance company any information that will incriminate you. You can tell them you are seeking counsel and will be intouch with them about it.\n\nIf you are moving out of state, you need to make sure that you are able to go back to the county that you are moving from because you need to file suit in either the county you lived when this happened, county it happened in or the county that she live in. (assuming they are all different)
192403
My ex-husband's car was repossesed. Then when he didn't pay off the balance due, they tried to come after me because my name was on the original loan. What a mess. No bankruptcy for me, but I know people in both Florida and California that have worked after filing bankruptcy.
961266
If a case is closed without a discharge, more than likely you have not taken your personal financial management course.\n\nIf you have not taken the credit counseling, your case will get dismissed.\n\nIf it was closed without a discharge, you will have to file a motion to reopen the case to file a financial management certificate. ($220 to reopen a chapter 7 and $150 for a chapter 13)\n\nhttp://www.rib.uscourts.gov/Docs/BKLegislation2005/FinancialMgmtExternal.pdf
140389
Yes.  So long as you are out of a chapter 13, you can file another chapter 13 or a chapter 7.  If you file the chapter 7, you cannot file another chapter 7 for seven years but you could file chapter 13 again once the 7 is discharged.  In fact, you can file chapter 13 bankruptcies indefinitely so long as you are no longer in the midst of another bankruptcy.
783411
I purchased some stock from a company who recently filed chapter 11 (lost some money, but that's another story), but I think they are required to send you or instruct your agent to send you notice of their filing.\n\nI am not sure, I only deal with chapter 7 and 13 bankruptcies.
904315
Let me start by saying I am not a lawyer or credit counselor so take my advice for what it's worth.\n\nA huge majority of people who file for bankruptcy list loss of job and divorce as a reason for filing.  So don't feel bad about being forced to file.\n\nBy your question, lets assume that you could somehow convince these creditors to accept a lesser amount, and you now only owe $15,000, with no additional late fees or interest.  Yeah, right...pretend you just woke up in the land of OZ, but we'll pretend anyway.\n\nIf all you could afford is $100 a month it's going to take over 12 years to pay off this debt.  Very rarely will any creditor accept a plan that takes move then 3-5 years.  They are NOT going to  wait longer then that to get paid, so it's not likely your plan will work.\n\nNext option is to examine the debts.  How many are beyond the statute of limitations?  Those debts can be ignored.  It's going to trash your credit history for a few years, but so will a bankruptcy.  That may lower your debts a bit, but I don't think it's going to help you enough.\n\nThe other problem you may have is your side business.  If you set it up as a sole propriety and not a separate company, the BK court may want to include those assets and income into the plan, and that could cause problems.  \n\nThe new bankruptcy laws will most likely not allow you to file for a chapter 7, based on your comment that you can afford $100 a month toward your debts.  \n\nYou may not have any other options but to file, but you really need to discuss this with an attorney first.
1088032
You can file Pro Se (yourself) - however, your median income must be below your state's average median income to even qualify for Chap7 - AND you have to complete a financial management education course BEFORE you can even file.  You can call the Trustee's Office in your area to get a list of approved classes .......If you don't qualify for Chap7 you will be forced to go Chap13 (if you want bankruptcy protection)....\n\nFilling out the actual documents are pretty straightforward....but first you should determine which Bankruptcy so you don't have to fill out the forms twice.......\n\nMedian income is based on the last six months.....so if you lost your job recently, you may not qualify....