Two Examples of Bankruptcy Timing with Medical Debts
How to know whether to delay filing bankruptcy when you're expecting new medical services and their medical debts? Here are two examples.
Timing: Including Debts in Bankruptcy
A bankruptcy covers the debts that exist as of the time your case is filed, not future debts. So how do you know when to file your case?
A Sample Completed Chapter 7 Case
What does the completion of a successful Chapter 7 "straight bankruptcy" case look like? What happens to your debts?
Getting Ready to Finish a Chapter 13 Case
Finishing a Chapter 13 case successfully is a big deal. It is rewarding financially and emotionally. Here's how it happens.
The Trial in a Dischargeability Proceeding: an Example
In our example about the process about whether a debt gets discharged, here's what happens at the bankruptcy court trial itself.
Answering a Creditor’s Dischargeability Complaint: an Example
Here's an example showing how to answer a creditor's complaint objecting to the legal write-off of a debt in bankruptcy.
Going to Trial on a Nondischargeability Dispute with a Creditor
The trial, almost always in front of a bankruptcy judge and no jury, is the final determinator whether the challenged debt gets discharged.
“Discovery” during a Nondischargeability Dispute with a Creditor
"Discovery" covers all the methods used to get at all the relevant facts in a dispute with a creditor about the discharge of a debt.
Writing off a Student Loan
To legally write off--discharge--a student loan in bankruptcy takes an extra step: proving that it is causing you "undue hardship."
A Challenge to the Discharge of All Debts
A creditor or a bankruptcy trustee could potentially object to the discharge--legal write-off--of ALL your debts. Very rare, and preventable.
Suing a Creditor in Bankruptcy
Sue a creditor to confirm that a debt will be discharged, or to punish the creditor for violating the automatic stay or the discharge order.
Adversary Proceedings by the Debtor
Sometimes it's in your best interest to force an issue in bankruptcy court by, in effect, suing a creditor in an adversary proceeding.
Adversary Proceedings in Bankruptcy
Disputes in bankruptcy court requiring the judge's resolution may be done so through an adversary proceeding.
Leaving My Rental after Filing a Chapter 13 Case
Chapter 13 has advantages and potential disadvantages compared to Chapter 7--it's more flexible but there's a chance you'll pay more.
Creditor’s Failure to File a Proof of Claim in Chapter 13
If a creditor doesn't file a timely proof of claim on a debt in your Chapter 13 case, you pay nothing on that debt.