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Recent bankruptcy law questions
I have a creditor, I am referring to schedule e/f in
I have a creditor, I am referring to schedule e/f in bankruptcy, if I have a creditor, a collection agency who is suing me. my original debt was for $10,000 and they have added fees and interest and they are suing me for $21,000 my question is should I add them only to part 3 of schedule e /f? Or should I add them to part 2 and part 3 (which is what I did). I have the original debt, which was sold, listed in part 2 already.
I have a bankruptcy law question. Suppose a debtor has a
I have a bankruptcy law question. Suppose a debtor has a $10k refund coming from 2013, but owes $10k in 2014. The debtor goes into chapter 7 bankruptcy before filing either return. Normally, the debtor could carry the refund forward just to pay the 2014debt and call it a wash with the IRS. However, bankruptcy could change the game. Does the bankruptcy filing require the debtor to turn the 10k into the trustee for 2013 and then make the 2014 an unsecured priority debt on schedule E for the IRS?
Bankruptcy questions... I have back taxes to do....do I have
Bankruptcy questions... I have back taxes to do....do I have to have these all done before I can actually file? I may need much more time to get them together, because there is a foreclosure litigation trial next month. I don't know as yet whether I'mdoing a chapter 7 or 13.
I am filing for bankruptcy and I am doing it pro se. I have
I am filing for bankruptcy and I am doing it pro se. I have studied the process carefully, have gotten my certificate, and am using the NOLO book, bankruptcy software, and my 3-credit bureau credit report to assist me.This is my primary question:I received a judgment against me from Discover card in 2010. I was served with Garnishment papers by their debt collector/law firm last week (official document title: Judgment Date: May 28,2010CONTINUING LIEN GARNISHMENT SUMMONS AND AFFIDAVIT FOR GARNISHMENTI am not quite sure which form to list this on? Should I list 1) Discover and 2) the law firm as two entries on Schedule F and then on Form 7. Is there anything else that I need to do? I have a couple of other judgments but they were satisfied.Two tax questions: I owe the IRS about $150 from 2012 (I know that is too recent to be discharged) and I have an active payment plan. The problem is I don't know if there is/are any liens against me - I had several years ago but they were lifted. One credit report says I have one, the other says I don't. Do I just list the debt and monthly payment on Schedule F?Also, I owe New York State about $375 from tax years ending 2002 and 2003. No lien. I assume again that this is simply an unsecured debt that goes on Schedule F.Please please I need accurate answers. Also, please don't ask me to consult an attorney because I can't afford one. Other than the questions above, I am doing quite well with the petition as my debts/income are quite straightforward.Thanks
Do I need to fill out ALL the forms nessasary for Ch7 bankruptcy,
Do I need to fill out ALL the forms nessasary for Ch7 bankruptcy, inclusing the ones that do not apply to me? Fo example, Schedule A, real property, I do not own any real property, or schedule E, it does not apply to me eaither. If I do have to inlcude htem, what do I write on it?
The "statistical summary" asks about student loan obligations
The "statistical summary" asks about student loan obligations and this got me a little confused. Is student loan debt considered priority unsecured and should it be listed on schedule E under "Taxes and certain other debts owed to governmental units" (11 USC 507.a.8)?
Hello Again! Just printed my most recent credit report. My
Hello Again! Just printed my most recent credit report. My second mortgage on primary residence is listed as closed and charge-off. Law firm has sued me for monetary damages on promisory note. Waiting for dismissal. Do I still list it in schedule A and D?
I am going through foreclosure. I tried to work with the bankView more bankruptcy law questions
I am going through foreclosure. I tried to work with the bank to get a short sale but was unsuccessful. I live in Wyoming where banks have up to 10 years to pursue a deficiency judgement. I do not want to live for the next 10 years with this shadow over my head and am considering filing bankruptcy. I was recently married and my husband and my combined incomes is too high to pass the means test in order to qualify for Chapter 7.. I do have some outstanding credit card debt but no car loan or other loans. If I personally file for Chapter 13, and pay off the credit card debt, will this also cancel the possibility of a future deficiency judgement?