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After your receive your discharge, Zero is the amount of unsecured, non-priority debt (credit cards, unsecured personal loan, medical bills, etc.) that you will owe. A creditor must file an action in bankruptcy court in order for that debt to not be discharged. It doesn’t matter if the debt was listed in your bankruptcy or [...]

The Bankruptcy Code puts a time limit between discharges. So the following rules do not apply if you did not receive a discharge in your prior bankruptcy or are not seeking a discharge in your new bankruptcy. If you want to try and file before these time periods expire, talk to your attorney first because [...]

I had to take liberties on this letter, since I couldn’t figure out how to make x-ray fit into a bankruptcy context. If you have an ex-spouse, any alimony or child support awarded to your ex-spouse will not be discharged in your bankruptcy. However, it is possible to discharge debt from a property division. If [...]

In your bankruptcy, you need to disclose to the Court various information about your wages. First, the court wants to know how much you’ve made in each of the last 2 years and your year-to-date income (Statement of Financial Affairs 1). Next, the bankruptcy petition requires you to disclose how much wages you’re received in [...]

When you file bankruptcy, §362 imposes the automatic stay on all creditors. The automatic stay prevents all collection activity without bankruptcy court permission. This gives the debtor time to get their things in order while being shielded from creditors. So no garnishments, suing, collection calls, collection letters, etc.; just about anything a creditor does which [...]