Ask a Lawyer and Get Answers to Your Legal Questions
Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.
I agree with you that Chapter 7 here is is only real option.He can file pro se without a lawyer and seek to discharge the debts he has and any deficiency from the house.It would allow him to start fresh without these hanging over them.
Forms for him
Step by step
n a Chapter 7 bankruptcy, a debtor files court papers asking that certain unpaid debts be wiped out or discharged. A debtor is a person who owes money to someone else.
The debtor is allowed to keep some of their income and property. The property that the debtor is allowed to keep in bankruptcy is called exempt property. The property the debtor can't keep is sold to pay off their debts.
Most debts are canceled after a Chapter 7 bankruptcy, which means the debtor no longer owes them. But the following debts can't be canceled in a Chapter 7 bankruptcy:
These debts must still be listed on the bankruptcy papers filed with the court, but they can't be wiped out.
Chapter 7 bankruptcy also stops wage garnishment unless it is for child support or alimony.
I appreciate the chance to help you today and wish him the best.
If yuo can positive rate 5 stars it is much appreciated.It takes about 12 months to file and complete here.
Yes just make sure he lists all debts and creditors so they all get discharged.
Effective June 1, 2014, the total fees you must pay to file a bankruptcy petition are: $335 for Chapter 7. You are so we.lcome thanks for rating 5 stars and the best here.