Chapter 7 cannot be filed if you were discharged from Chapter 7 or Chapter 11 in the last 8 years. You cannot file Chapter 13 if you received a discharge under Chapter 7, 11 or 12 in the last four years, or if you received a discharge under Chapter 13 in the last two years.
You must receive a pre-bankruptcy certificate and budget analysis before filing. Day 1: Bankruptcy documents are filed with the Court. This results in an immediate stay. All collection and legal actions must stop. Day 14: Your creditors are advised by the clerk that a petition has been filed. Debtors that wish to file for Chapter
Any debts you forgot to list in your bankruptcy papers, unless the creditor knew of your bankruptcy. Child support and alimony Debts for personal injury or death caused by your intoxicated driving Student loans from government, non-government and profit-making organizations, unless it would be an undue hardship for you to repay. Fines and penalties imposed
Pre Bankruptcy education certificates cost $25.00. It costs about $200 to file Chapter 7 and the attorney fees will run about $800 to $1,200. Post filing education costs are in the range of $100 to $250. You can usually get a free consultation and also keep fees at a minimum by being well organized, thus
To prepare for pre-bankruptcy counseling and ensure it is most thorough and efficient for your needs please gather the following: Copies of most recent household pay stubs Copies of most recent credit card and debt statements including mortgages, student loans, etc. Complete this form