Terry L. : Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
Terry L. : Your automatic stay protection is still in effect, so creditors cannot come after you at this point
Terry L. : You will need to prove to the us trustee/ courts, that there is no abuse. Presumption arises if this is a multiple c13 case in a year, you show disposable income, or your means test shows you should be in a chapter 13.
Terry L. : talk to your attorney to address the issues as to what the alleged issue is
Terry L. : The sold items, should be on the statement of financial affairs if done prior to the case filing.if you got fair value there should be no issue, if the resulting cash was spent on necessities or covered by exemptions
Terry L. : Your husband should not be affected by your filing if there were no joint debts
Terry L. : If the case determines you have to do chapter 13, then you should motion the case to convert to chapter 13 to repay a portion of the debts
Terry L. : if that is denied, or not feasible, you'll either be dismissed, or denied a discharge, and would owe the debts again
Terry L. : iAgain its likely the attorney can fix the problem, or help you to convert as needed
Terry L. : letneeded let me know if you have any questions
Terry L. : thanks
Terry L. : terry
Hi Terry. Are you there?
I do have an attorney. She's the one that determined that I should file Chapter 7 even though I was "borderline" on the means test. She knowsPlease let me know when you come back online.
(sorry, hit Return to soon)...She knows that I am unemployed. So how could my attorney tell me that I could convert to Chapter 13 if denied Chapter 7?
Hi Terry. Are you there? I do have an attorney. She's the one that determined that I should file Chapter 7 even though I was "borderline" on the means test. She knows that I am unemployed. So how could my attorney tell me that I could convert to Chapter 13 if denied Chapter 7?