Filing for bankruptcy

Date: Mon, 10/16/2006 - 09:08

Submitted by oh2benc2 on Mon, 10/16/2006 - 09:08

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In 2001 my husband and I filed for bankruptcy - it was discharged in May 2001. My husband is now deceased (he passed away in 2003) I am now in a debt management program with T & C. I have my pdls, credit cards and personal loans with them. What I would like to know is that can I file again in my name only for bankruptcy or do I have to wait for the 10 years? Thanks.

Total Replies: 4

Hi oh2benc2 Chapter 7 bankruptcy can be filed again after si

Hi oh2benc2

Chapter 7 bankruptcy can be filed again after six years has passed from the date of your last filing. A Chapter 13 bankruptcy can be filed at any time. Is it your only option available now? I am asking this because your credit will have this negative remark once again for the next few years if you decide for bankruptcy.

Submitted by aciotsf on Mon, 10/16/2006 - 09:51

aciotsf

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I am really undecided on what to do = its just a thought - I can

I am really undecided on what to do = its just a thought - I can stay with debt management for another year.

Submitted by oh2benc2 on Mon, 10/16/2006 - 11:03

oh2benc2

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I believe we filed chapter 13 - and I thought even chapter 13 wa

I believe we filed chapter 13 - and I thought even chapter 13 was on you report for 10 years - or can I file under my name now since my husband passed away?

Submitted by oh2benc2 on Mon, 10/16/2006 - 11:38

oh2benc2

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Yes, if there is a situation, you can file for a chapter 13 Bank

Yes, if there is a situation, you can file for a chapter 13 Bankruptcy in your name. Chapter 13 stays in the credit report for 7 years. Can you talk with your consolidation company and explain them about your situation? They may do some changes on your existing plan so that the repayment doesn't get hurt.

Submitted by aciotsf on Mon, 10/16/2006 - 13:25

aciotsf

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