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dolphin
Guest
0.10 Dollars($)
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| I know you have to wait 8 years to file a chapter 7 if you have filed in the past. Is that 8 years from your discharge date or 8 years from your file date? Also, I am currently married. The debt I was wanting to file on was from a previous marriage. My name isnt on our current mortgage or our vehicle payment, will that affect him in anyway. Or can I file bankruptcy without him? |
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smithsussane
Joined: 18 Sep 2008
Posts: 10045
Location: Alaska
921.83 Dollars($)
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Hi dolphin!
Welcome to forums!
You will have to wait for 8 years from your filing date in order to file Chapter 7 bankruptcy again. If your spouse doesn't file bankruptcy along with you, then the bankruptcy filing will not affect him in any way.
Feel free to ask if you've further queries.
Sussane |
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Chichi
Guest
0.10 Dollars($)
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Post subject: which state do I take the means test for |
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| If I am now living in Florida but lived in Maryland in last year and I am filing under Maryland State Laws do I take the Means Test for Maryland even though I am filing in Florida? Thanks. |
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breathagain
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0.10 Dollars($)
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Post subject: bankruptcy chapter 7 |
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| the house is both in my sister and my name and it is paid for. Can i file chapter 7 in new york,I'm on permanent disability. |
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adonis
Joined: 22 Oct 2005
Posts: 10267
Location: ALASKA
1046.07 Dollars($)
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Hi Chichi,
If the properties for which you're filing bankruptcy are located in Maryland, then you will have to take the Means Test as per the laws of Maryland.
To Guest,
You can file bankruptcy. However, you'll have to list the property as your asset when you file bankruptcy. Depending upon the whole situation, the bankruptcy trustee might sell off the property in order to pay your creditors.
_________________
Procrastination is the enemy of your financial success |
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bkdocument
Joined: 10 Sep 2010
Posts: 2
Location: Michigan
1.26 Dollars($)
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| Quote: | | I know you have to wait 8 years to file a chapter 7 if you have filed in the past. Is that 8 years from your discharge date or 8 years from your file date? |
Yes smithsussane know her stuff. The code says 8 years between filings.
_________________
Bankruptcy Copies, Bankruptcy Discharge, Bankruptcy papers |
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anonymoustexas
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Post subject: Life after CH-7 |
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Hi, I just found this forum, I was just checking my credit report, two months later after I filed for chapter 7, it shows that my mortagage is paid. closed and included in my chapter 7 bankruptcy, What exactly does that mean?
Thank you |
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Tired unemployed Mom
Guest
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Post subject: lost investment properties |
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| how long does property: for example a s/d lot i put in my husbands name to not loose it have to be out of my name to file bankrupcty, so they dont include it in the bankrupcty? |
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smithsussane
Joined: 18 Sep 2008
Posts: 10045
Location: Alaska
921.83 Dollars($)
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Post subject: |
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Hi!
Welcome to forums!
To anonymous,
I guess you haven't reaffirmed the mortgage in Chapter 7. In that case, you are not personally liable for the mortgage payments. You can surrender the property to your lender who can sell off the property and recover his dues.
To Guest,
You cannot file bankruptcy within 1 year of property transfer to someone else.
Feel free to ask if you've further queries.
Sussane |
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anonymous2010
Guest
0.10 Dollars($)
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Post subject: |
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| So I have no Chance of gettin a mortgage after my chapter 7 bankruptcy is done? Will I have to wait the 2 yrs? |
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jameshogg
Joined: 20 Dec 2005
Posts: 10164
Location: Nevada
944.24 Dollars($)
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Hi anonymous,
You won't be able to get a mortgage immediately after a chapter 7 bankruptcy filing. You'll have to wait for 2 years in order to get a FHA loan and 4 years to get a conventional loan.
Thanks |
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anonymousohio
Guest
0.10 Dollars($)
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Post subject: chapter 7 |
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| we did not pass the means test however, my son is very much dependent on us. He has lost several jobs and since I con-signed for his car loan and a credit card loan, we have to pay his bills also. what can we do to become eligible for chapter 7 as I do not have left over income each month to pay according to chapter 13? |
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help me
Guest
0.10 Dollars($)
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Post subject: |
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| if you file chapter 7 can your income taxes be taken that following year? |
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jameshogg
Joined: 20 Dec 2005
Posts: 10164
Location: Nevada
944.24 Dollars($)
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Post subject: |
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Hi anonymousohio,
Unless you clear the means test, you won't be able to file Chapter 7 bankruptcy. Unless you satisfy this criterion, you'll have to go for Chapter 13 bankruptcy filing.
To Guest,
Filing Chapter 7 does not mean that you won't be liable for the income taxes. You will be liable for it in that same year.
Thanks |
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Hellen
Guest
0.10 Dollars($)
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Post subject: Bankruptcy |
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| My husband was in car accident May 2009, we filed for bankruptcy chapter 7 and was dismissed November 2009. We recently filed lawsuite againgt driver from accident. How will this effect us if we recover money? |
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