Statutory Liens in Chapter 7
Statutory liens survive bankruptcy. Chapter 7 may still be able to help in various ways and be your best solution.
Undoing a Judgment Lien
Bankruptcy can do more than forever discharge your debts. It can undo some bad creditor actions, like a recorded judgment lien on your home.
When a Creditor Does Not Enforce its Lien in Chapter 13
When a creditor fails to enforce its lien in a Chapter 7 case, you are left exposed. Not so under Chapter 13.
When a Creditor Does Not Have an Enforceable Lien
For a debt to be secured, the creditor has to go through the right legal steps. Otherwise you don't have to pay the debt.
“‘Statutory Liens” on Your Home Resolved through Chapter 13
Chapter 7 doesn't wipe away "statutory liens." But Chapter 13 gives you a safe and flexible way to deal with them.
How Chapter 7 Deals with Special Debts that Can’t Be “Discharged”
Bankruptcy can't write off certain kinds of debts. Chapter 7 may give you enough help to avoid liens on your home from those debts.
Power over Your Secured Debts through Chapter 7
Stop secured creditors from taking your property, unsecured debts from turning into secured ones. Keep or surrender collateral as you wish.
Your Secured Debts
Creditors with secured debts often have much more leverage against you than with unsecured debts.
Erasing a Judgment Lien from Your Home’s Title
The potential ability to get rid of judgment liens from your home's title is an impressive benefit of bankruptcy.
Chapter 7 and Chapter 13–Unpaid Child or Spousal Support Lien on Your Home
One of the most important distinctions between these consumer bankruptcy options are how they help or donât help with support arrearage debt.
Crucial Question: Why Even Consider a Chapter 13 Case When Chapter 7 Looks Good Enough?
5 more very good reasons Chapter 13 is worth a close look, even if it takes much longer, and looks more expensive at first.