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Bankruptcy Reform Act Questions

What is the Bankruptcy Reform Act?

The Bankruptcy Reform Act was passed to help people understand their various options when filing for bankruptcy or options they may have to clear their debts before they file for bankruptcy. Filing for bankruptcy can have many aspects which the common individual may not know or understand.

What effect will a Bankruptcy Stay have on Child Support?

According to the Bankruptcy Reform Act of 1994, child support may not be discharged in bankruptcy. A bankruptcy stay may not halt the process to modify child support.

Can Bankruptcy be Claimed on Private Student Loans?

Student loans may not be discharged of bankruptcy. The individual may file for Chapter 13 bankruptcy and add the student loan to the repayment plan.

Should a 401K Loan be included in the Schedule F while filing for Bankruptcy?

In most cases, a 401K loan would be considered a secured debt. According to the Bankruptcy Reform Act, the 401K may be exempt and the individual may pay the loan irrespective of whether he/she is in Chapter 7 or Chapter 13 of Bankruptcy. The individual may include it in the Schedule F while filing for bankruptcy.

Can an Individual adjust his/her current income to zero in order to take the means test for bankruptcy?

According to the Bankruptcy Reform Act, an individual may not adjust his/her income to zero to take the means test. He/she may have to wait for six months to pass the means test if he/she cannot take it on his/her current income.

Can an Individual reopen his/her Bankruptcy case to file an adversary proceeding for undue hardship?

According to the Bankruptcy Reform Act, an individual may reopen an old bankruptcy case to file for an adversary proceeding for undue hardship. The individual may not have to pay any additional fee to reopen the bankruptcy case.

Can an Individual file for Bankruptcy without a Legal Immigration Status?

Since the Bankruptcy Reform Act of 2005 does not mention the legal immigration status of the individual as a requirement to file for bankruptcy, he/she may file for bankruptcy without a legal immigration status. However, the debtor or the trustee may have to prove the individual’s legal residence in the US to benefit from the bankruptcy.

Can an Individual enter a Reaffirmation Agreement after a Bankruptcy discharge has been granted?

As per the Bankruptcy Reform Act of 2005, an individual may enter a reaffirmation agreement before the discharge of bankruptcy is filed. He/she may not enter a reaffirmation agreement once he/she gets a bankruptcy discharge.

Can an Individual ask a Bankruptcy Trustee to show him/her, his/her work file to get information about a person?

According to the Bankruptcy Reform Act, notes and other information about a trustee’s work may be categorized as being privileged information. If the individual wants to access this information, he/she may sue the person in court. The court may subpoena the trustee and the file with the information to get more information about the person.

By having information about the Bankruptcy Reform Act it can help individuals who are planning to file for bankruptcy know about its provisions and regulations. This may help them plan for bankruptcy and cover all areas when they file for bankruptcy.

Ask a Bankruptcy Lawyer

FiveStarLaw
FiveStarLaw, Attorney
Category: General
Satisfied Customers: 3311
Experience:  Bankruptcy Lawyer. Experienced.
9968427
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Recent Bankruptcy Reform Questions

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