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How to File Bankruptcy Yourself

Here is an overview about how to file bankruptcy yourself and what to expect. Businesses must have a lawyer or attorney to register a bankruptcy case. Individuals, can, may represent themselves in bankruptcy court. While people can file a bankruptcy case without a attorney or “pro se,” it is seriously difficult to do it competently. … Read more

How Chapter 7 Bankruptcy Works

A chapter 7 bankruptcy case begins with the consumer submitting a petition with the bankruptcy court serving the area where the consumer resides or where the business debtor is formed or has its primary place of business or primary assets. In addition to the petition, the debtor must definitely additionally file with the court: listings … Read more

Will My Chapter 7 be Reported for 10 Years From the Filing Date or Discharge Date? – Dan

“Dear Lewis, I understand that a Chapter 7 Bankruptcy remains on a credit report for 10 years. Is this 10 years from date of Filing? Or 10 years from the actual Discharge? Thank you in advance, Dan” Dear Daniel, Yes, it can stay on your credit for up to 10 years. I honestly don’t know … Read more

All About Bankruptcy – Chapter 7 Bankruptcy – Chapter 13 Bankruptcy

Article I, Section 8, of the United States Constitution authorizes Congress to enact “uniform Laws on the subject of Bankruptcies.” Under this grant of authority, Congress enacted the “Bankruptcy Code” in 1978. The Bankruptcy Code, which is codified as title 11 of the United States Code, has been amended several times since its enactment. It … Read more

I Filed a Chapter 13 Bankruptcy But Found Out I’m Not Eligible for a Discharge Due to a Previous Chapter 7. – James

“Dear Lewis, I took on more than I can handle in a short period of time. I took out secured installement loans and I got behind on them. I also had a title pawn out on my car. I then lost my job and the creditors were calling me everyday saying they were going to … Read more

Do I Have to Pay My Second Mortgage Home Equity Loan After My Bankruptcy? – Julie

“Dear Lewis, I filed Ch. 7 bankruptcy last year. I did not file on my 1st home mortgage or my 2nd mortgage – home equity loan and chose to continue paying them. I never signed any reaffirmation statements after the bankruptcy. Recently my loan officer pulled my credit and saw that my reports show I … Read more

I’m Currently in a Chapter 7 Bankruptcy and My Attorney Told Me Not to Make My Mortgage Payment. – Ed

“Dear Lewis, I am currently in chapter 7 Bankruptcy. My home is worth 315,000 and the court is getting an appraisal as ordered by the trustee. my home is worth about 380.000 dollars and I have had had contractors over giving me estimates on work that is needed. so far the roofer gave me an … Read more

I Need to Lower My Chapter 13 Bankruptcy Payment. Do I Need to Get a Divorce so I Can File a Chapter 7 Bankruptcy? – Amy

“Dear Steve, We have paid 15 months into chapter 13 bankruptcy. house payment went up , insurance went up, ex hasn’t paid child support which my attorney says isn’t figured into payment, but I can’t afford payments this high anymore, I can’t even buy a pair of shoes for my kids, what do I do. … Read more

Bankruptcy Filings Way Up. 73% File Chapter 7 Bankruptcy.

The latest year-on-year bankruptcy numbers are out and nobody should be surprised that bankruptcy filings are way up. In the year ending September 30, 2010 the number of Chapter 7 bankruptcy filings was up 14% and Chapter 13 bankruptcies were up 8%. – Source Chapter 7 bankruptcy cases account for 73% of all consumer bankruptcy … Read more

I Want to Convert My Chapter 13 Bankruptcy to a Chapter 7 Bankruptcy. – Tiwanna

I’m current on my chapter 13 payments but want to convert to a 7 and pick up my car payments again. The car is the only reason I filed anyway. I helped someone get a car and they didn’t keep up with the payments. But I had other unsecured debt that was suppose to be … Read more

Would I Run Into Trouble Filing a Chapter 7 Bankruptcy? – Lee

“Dear Steve, Since last March, I have charged $30,000.00 in Credit Card purchases. The bulk of this was March thru May 2008. In May My hours were reduced (At that point I was using my credit card for survival. I.E. Groceries, Gas, Utilities, Car Repairs and needs). In August I was laid off and still … Read more

Can I Convert My Chapter 13 Bankruptcy to a Chapter 7 Bankruptcy Without Losing My House? – Andrea

Andrea “Dear Steve, I filed Chapter 13 in 2006 with $ 32,000.00 worth of debt. Now it is 2009 and bankruptcy court say I owe them $ 39,000.00 worth of debt. I have spoken with my attorney about it but, he’s not really communicating with me. I have spoke with someone at bankruptcy court and … Read more

Should I Change My Chapter 13 Bankruptcy to a Chapter 7 Bankruptcy? – George

“Dear Steve, hi my name is George and i’m in a real bad situation I filed a Chapter 13 3 years ago to try and save my home only to eventually lose it and I tried to keep things going after me and my wife moved out so I took a couple of payday loans … Read more