What about this stuff?
Date: Wed, 03/11/2009 - 16:30
What chapter are you filing? I know CH. 7 judgments will get
What chapter are you filing?
I know CH. 7 judgments will get wiped out such as the ones you mentioned. Things like child support and taxes cannot be discharged.
I believe you do have to show everything you have, as for your trailer, if it is financed you may be able to keep that as long as you come current on it. You really don't own it so I think it is exempt from bankruptcy but I could be wrong.
As for me, I stopped paying all my bills so I can file bankruptcy. I have creditors calling me, I tell them I am disabled I have cancer and I have exempt income and I will be filing bankruptcy, which is all true. They still have the nerve to ask for a payment and I tell them no, it is pointless. For debt collectors I tell them I am doing the same and a lawsuit is a waste of their money so don't bother.
If you are 100% sure you are going to file, do the same. Tell them you are in a failed business, have no plans in the near future of getting current and you are filing bankruptcy in the coming months.
It is best to stop paying all together for a few months before you file and take care of the things most important, like yourself. Living is much more important than the bills.
Yes, the car loan can be brought under bankruptcy even if there
Yes, the car loan can be brought under bankruptcy even if there is a judgment on it. Once you file bankruptcy, all existing judgments cease to operate till the bankruptcy gets discharged and the creditor has to stop collection of the debt. Even if you don't have any judgment on your credit cards, you can include them under bankruptcy.
you may not have to lose the trailer, it all depends on many thi
you may not have to lose the trailer, it all depends on many things. Best thing to do is contact a couple of different attnry's and see what your options are. The sooner the better. Good Luck Reny
As to the car loan, do you still have the car? A bankruptcy wil
As to the car loan, do you still have the car? A bankruptcy will not avoid a lien; so while they cannot try to collect money from you, they wll not release their lien until the account is paid. Meaning you can't sell it or trade it in until you pay them, even if you BK on it. If you don't have the car anymore, then the lien doesn't matter.
As for the travel trailer, you can include them too. To keep the trailer you will simply have to re-affirm the debt.
