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Ellen
Ellen, Attorney
Category: Bankruptcy Law
Satisfied Customers: 36714
Experience:  Bankruptcy Lawyer. Experienced.
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Since I do not know all my old bills I need to pay, Do I need

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Since I do not know all my old bills I need to pay, Do I need to file Bankruptcy? Ever since I moved back with my parents I lost everything.
Do you have any assets? Do you work?
Customer: replied 8 years ago.
I work for Deka Batteries almost 2 years

Hello,


Thank you for your question. I am happy to assist you.


There are distinct differences in between a Chapter 7 and a Chapter 13 bankruptcy.


A Chapter 7 bankruptcy could discharge (erase) all of your credit card debt and other unsecured debt. It would be an opportunity for a fresh financial start. However, if your mortgage is behind, you cannot use the Chapter 7 to reinstate your mortgage.


A Chapter 13 bankruptcy could reinstate a mortage that is in default. However, it may require that you repay some of your unsecured credit card debt.


Legal Aid can assist you. I suggest that you give them a try.


I hope that the information which I provided was helpful to you.


Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.


Thank you,
FLAandNYLAWYER


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Customer: replied 8 years ago.
That I know I already paid off. The Morgage. Thats everything else is what I am worried about.
Hello,

"Everything else" may be dischargable in a Chapter 7.