Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
Thank you for your question.
I have signed up for the 30 days of all the questions I want to ask for $30
Part of the "price" a Debtor in bankruptcy "pays" to get relief from creditors is full financial disclosure. All assets, all creditors, all debts, and so forth. The decision(s) on whether to keep a debt from being discharged is/are made separately, usually on the "Statement of Intentions", and/or a separate filing called a "re-affirmation agreement".
My understanding of the subscription agreements is that Customers are flat-rate billed, but should still click the green "Accept" button for each question for which they want the Expert to receive credit. No additional funds will be charged to the Customer's account, and the Expert(s) receive appropriate credit for their work.
The BK Schedules do distinguish between contractual debts, and monthly expenses. Insurance for the car or the house, for example, is almost always a budget expense, not a debt (we don't add up the monthly payments through the end of the policy period and call them a "debt", because the service can be canceled at any time with minimal consequences).
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).