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Under most circumstances a Florida alimony award would not be dischargeable in Chapter 7 bankruptcy proceedings. There are some narrow exceptions. Discharge under "Chapter 7" is governed by Title 11 of the United States Code, Subchapter II, Section 727 (abbreviated at 11 USC 727).The first exception is at 11 USC 523(a)(5)(A), ... , if the alimonyhas been assigned to somebody other than the spouse designated by thefamily court to receive the alimony, except as outlined in thatparagraph, it is dischargeable.The second exception is at 11 USC 523(a)(5)(B), ... if thebankruptcy court finds that the parties chose to mischaracterize partof the divorce settlement as "alimony", the debt might be dischargeable.
On the mortgage, if there is a deficiency judgment, both of you may be jointly liable on it. However, if one of you files BK, the other one is still responsible for the full amount of the deficiency, unless he/she also files BK. Please click "ACCEPT" so I can get credit for my work. If needed, we can continue our conversation after this at no additional charge.
Will filing an adversary action protect me. Can this be handled without an attorney. I depend on my alimony payment to live and am currently paying my divorce lawyer for his services. Approximently, how many billable hours would it typically take a bankruptcy lawyer to represent me if the case be needed.
Unless he falls in one of the two exceptions, the alimony is not going to get discharged so he will have to pay you and thus you do not need to file an adversary proceeding. Just file a proof of claim as a creditor. Here is the proof of claim form:
You should be able to file this without a lawyer.
Will filing an advesary action, stop the court from granting him CH7 relief (discharge)from the mortgage, property tax and homeowner insurance