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 Posted: Wed Jun 11, 2008 6:05 pm Subject: After Chapter 7 |
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I cleared my debts on Chapter 7 in July of 2005.
I like to know how long do
I have in order to try
Chapter 13. I would also
appreciate if there are
amy known people that can
advise those will the
situation I am faving.
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jms_neeley
Joined: 11 Jun 2008
Posts: 1
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| Posted: Wed Jun 11, 2008 6:34 pm Subject: |
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I believe you can do ch13 now. I am sure some one that knows will post soon. Since you are considering doing ch13 anyways why not speak with a couple of bankruptcy attorneys. Most will give you a free consultation and will go explain your options. Alse , have you considered doing debt settlement as an option ?
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mobile0311
Joined: 05 May 2008
Posts: 1350
Debtcc Points: 7169
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| Posted: Wed Jun 11, 2008 7:18 pm Subject: |
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Did you obtain a discharge on your chapter 7 and are you wanting to do a chapter 13 now?
I am curious to know this answer also, I did a chapter 7 and was discharged in January, 2004.
I think that you have to wait 6 years to do another bankruptcy after a 7 and I think 2 or 3 years after a chapter 13. I just read alot of stuff on the bankruptcy website so I might be confused.
Someone with more knowledge than myself will be along to advise further.
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ladybug
Joined: 29 May 2007
Posts: 2745
Debtcc Points: 24743
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| Posted: Wed Jun 11, 2008 10:03 pm Subject: |
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Well, you can file a ch-13 right after ch-7. Technically it's possible to file two bankruptcies back to back. BK lawyers often term it as ch-20.
Filing ch-7 discherges you from your unsecured debts, then reaffirm on your house or car (or any such asset that you have to protect)to file ch-13 and lower the payments on these loans.
However, if you have filed ch-7 already, you're not allowed to file another ch-7 within six years period.
Hope the input helps.
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tweetyturner
Joined: 11 Mar 2008
Posts: 279
Debtcc Points: 3264
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