Crucial Question: When Can I File Another Bankruptcy?
It's a matter of timing. And that timing depends on whether you previously filed under Chapter 7 or 13, and what you are filing under now.
More Actions to Take When Considering Bankruptcy
If you're considering filing bankruptcy, what debts can you incur and which should you avoid? What are the possible consequences?
Failing to List Debt but the Creditor Knows about Your Case
Usually if you don'='t list a debt, it doesn't get discharged. An exception is if the creditor still learns about your case, on time.
Discharging a Student Loan in Bankruptcy
Writing off a student loan in bankruptcy requires showing "undue hardship." What is that?
Filing Bankruptcy in 2019 to Write Off More Income Taxes
With smart timing you can discharge--legally and permanently write off--more income tax debts, even with a standard Chapter 7 case.
Buy Time to Deal with Multiple Years of Income Tax Debts
What if you have some income tax debt that qualifies for discharge but one (or more) tax year that doesn't? Does Chapter 7 ever help enough?
Chapter 13 Buys Time
Chapter 13 is very different from Chapter 7 "straight bankruptcy." It buys you time to deal effectively with your special debts.
The Closing Arguments in a Dischargeability Proceeding: an Example
In our example about the adversary proceeding about whether a debt gets discharged, here are the creditor's and debtor's closing arguments.
Options for Dealing with a Nondischargeability Complaint
If a creditor objects to you writing off --discharging--a debt in a Chapter 7 bankruptcy on grounds of fraud, here are your practical options.
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.
Creditors Paid Nothing under Chapter 13
Chapter 13 payment plans usually have you pay something to all of your creditors. But not necessarily. Certain creditors may get nothing.
Shared Assets
Property and possessions that you have a shared interest in can be the kind you don't think of as yours for bankruptcy purposes.
“General Unsecured” Debts Discharged in Chapter 7
In most straightforward Chapter 7 cases all debts not secured by any collateral are discharged--forever written off. You pay nothing on them.
Special Debts that Can’t Be “Discharged” under Chapter 13
Bankruptcy can't write off certain kinds of debts. Chapter 13 enables you to prevent liens hitting your home from those debts.
Criminal Debts Not Discharged in Bankruptcy
Bankruptcy can't discharge--permanently write off--criminal debts, but it can still help in indirect but potentially game-changing ways.
