File and received a Chapter 7 discharge in August 2011. Had some financial situations come up, due to medical issues, as well as car finance in my name for my son which has been reposessed. Research and found a Chapter 20 that could be filed. I know from research that filing this, if i met the requirements, it protects me, however i cannot receive a discharge. Never heard of this chapter and not sure if it is correct. I'm wondering if anyone has even heard of this and can this be converted over til my 4yrs are up to be able to file a Chapter 13?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.