*This chat is not intended as legal advice. It is general information that may or may not apply to your situation and should not be relied upon.*
Hello,Thanks for using JustAnswer. My name is XXXXX XXXXX X will do whatever I can to answer your questions! Don't Forget that the deposit you placed to ask this question is not used to compensate me until you rate my service ! Please Remember that when you are asked to give a rating, you are rating My Service and not this website itself or the law .
Your Question - All of the statements about her past due accounts was mistakenly thrown out by mistake. How can we (I) obtain the information to fill out her bankruptcy request?My Answer - Your daughter can obtain a copy of her credit report and list all creditors from that reportExplanation - Provided your daughter is filing a chapter 7 bankruptcy and does not have any assets, omitting a creditor will not typically have an effect on her bankruptcy. The debt would typically be discharged regardless provided that the debt would have been discharged had it been properly scheduled
I would be glad to respond to any related follow-up questions that you may have.
Have I completely answered your question?
Chapter 7 stays on her record for how many years?
The only "asset" my daughter has is a 401K from her former employer.
Sorrry...does that count as an asset?
A 401(k) is exempt from the claims of creditors and therefore your daughter's bankruptcy would be considered to be a "no asset" bankruptcy
Therefore if she omitted a credit card debt, typically the debt would be discharged regardless of the omission
Her debts, before going to prison were credit card and bank loans. Her house was foreclosed and her automobile declared a total loss after the accident that caused her to go to jail.
Typically this debt would be discharged
It has been my pleasure to work with youPlease let me know if I can assist you in the future by requesting me directly.
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).