What Is A Discharge? When Does It Happen In Bankruptcy? Bankruptcy discharge basically is the vanishing of all the dischargeable debt that someone brings into the bankruptcy case. It is as if that debt and all the emotional baggage had never happened. The creditor then cannot call, send demand letters, report nonpayment of the debt […]
Is bankruptcy a public record in San Diego? Filing for bankruptcy is a matter of public record. So the idea that you can keep bankruptcy secret isn’t really true. It is something that you really have to look for to find out about. Who files bankruptcy in San Diego is not easily accessible knowledge. It is […]
Can I Keep My Bankruptcy A Secret?
Can I Change From A Chapter 7 To A Chapter 13 Bankruptcy? Can I Change From A Chapter 7 to a Chapter 13 Bankruptcy? The short answer is yes. A better question might be “Why Would I…?” If your attorney files your case as a Chapter 7, there are a couple of reasons to switch […]
Tax bankruptcy discharge Some tax debt is not dischargeable through bankruptcy. Tax bankruptcy discharge can happen through Chapter 7 and Chapter 13 bankruptcy if they meet specific criteria. The criteria include five rules: 1) the due date for filing a tax return is at least three years ago; 2) the tax return was filed at least two […]
Security clearance and Bankruptcy Will I lose my security clearance if I file bankruptcy? Most of the people that I see in San Diego are people like you and me who have fallen upon bad times – not gamblers, shopaholic, or otherwise crazy spenders. They have jobs and many times they own homes. Things […]
What Factors Determine Whether I Must Appear Before the Bankruptcy Court Judge? Court appearances are fairly rare in most bankruptcy cases. But whether you must face a judge depends partly on which Chapter your cased is filed under. It also depends on whether you are reaffirming a debt. It can also depend on what your […]
How Hard Will It Be to Rent an Apartment or House After I file Bankruptcy? Many people delay filing bankruptcy out of fear that they will quite literally be unable to keep a roof over their heads. Some avoid bankruptcy altogether as a result of those fears. So let’s talk about whether those fears are […]
Bankruptcy vs Debt Consolidation The Difference Really Does Matter We’ve all heard the drive-time radio ads for debt consolidation. The hook is always the same: “Avoid bankruptcy!!” Because these firms know that fear of bankruptcy is the most powerful tool they have. If only the audience knew how deceptive the sales pitch can be. My […]
Can creditors stop my bankruptcy? It’s pretty difficult for a creditor and rare to stand in the way of someone getting through a bankruptcy and getting a discharge. But creditors aren’t always completely out of luck when a customer / borrower files bankruptcy. There are several things a creditor may do to make the best out of […]
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