How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Ellen Your Own Question
Ellen
Ellen, Attorney
Category: Bankruptcy Law
Satisfied Customers: 36714
Experience:  Bankruptcy Lawyer. Experienced.
9968427
Type Your Bankruptcy Law Question Here...
Ellen is online now
A new question is answered every 9 seconds

I want to know if you are in a Chap.13 and it gets dismissed

This answer was rated:

I want to know if you are in a Chap.13 and it gets dismissed due to falling behind on payments and then you are unable to due any type of loans, etc. for two years? I was told this by a manager at a car dealership when we tried to trade are newest car in that is a direct payment to lender and doesn't come out of the 13 payment.

WebLaw :

*Due to rules of your state bar or mine, nothing herein is intended as legal advice, only intended as general information to better help yourself.*

WebLaw :



So sorry to hear of this dilemma. If my answer is not clear to you, please ask me for clarification by using the reply button.


WebLaw :

A debtor in a chapter 13 bankruptcy requires bankruptcy court permission to incur debt. This is true regardless of the fact that you are currently paying for the car outside the plan

WebLaw :


Please use the REPLY button if you have any questions concerning my answer. Otherwise please click ACCEPT so that I am paid by the site for answering.

Customer:

I'm revering to after it gets dismissed and 13 is gone, can I still due loans, etc. or is it true I can't for two years like I was told?

WebLaw :

He is not correct. Typically it is 2 years after discharge. Since your case is being dismissed without discharge, the two-year period does not apply

Customer:

That is what I needed to know. Thank You. I'm on a free trial, so how does that work, because I see a charge of $25.on top left page?

WebLaw :

I assume a free trial means that you do not pay-- However in order to have the site pay me you need to accept. If there are any problems let me know

Ellen and other Bankruptcy Law Specialists are ready to help you