Debt Collection Process

Bankruptcy Law?? I have a vehicle which is listed on my Chapter 13. But do I get the title to the vehicle when I finish paying the Bankruptcy Court??? How & when??

where can i find a free downloadable bankruptcy law library? I need to find all the information I can about federal bankruptcy laws. Especially any thing I can download or print from a law library.

In Bankruptcy law in what cases could student loans be included? I live in Ohio and my husband and I are filing bankruptcy. I was reading about bankruptcy laws and saw where it said that student loans could be included if the judge ruled that it would cause undue hardship. What does this mean, and when is it considered an "Undue hardship"

What is the bankruptcy law or code in Missouri to exempt my 2007 Tax Refund? The bankruptcy trustee told me to ammend my exemption schedule to include my 2007 return, but I don't know the code. I filed with out an attorney, so I have to find the code by myself.

How different is the new bankruptcy law from the old? I am considering filing bankruptcy due to the fact that in the last year i have willing foreclosed on my home and now it looks as though I am going to have to do the same with one of my cars, and I am just wondering if it wouldn't be better to file bankruptcy since my credit can't get any worse than what it already is, and that way I could have a chance at starting over fresh.

I am going to file for bankruptcy, can I include my leased vehicle under the protection of bankruptcy law? I have a very high payment on my leased vehicle. I would probably have to buy the vehicle at the end of the lease due to excessive mileage and excessive wear and tear. I would like to just get rid of said vehicle while under bankruptcy protection. I would then just buy an old junker to use for work. Would this work?

What is this new bankruptcy law in Maryland? I was told that in order to file chapter 7 bankruptcy in Maryland, you have to prove you can't pay the debt. What proof is needed to show this?

how do i collect a small claim if they file under the Illinois Bankruptcy Law? An individual owes me $5000 and just filed for bankruptcy in illinois what can i do to get my money from him?

Is the current credit crisis and housing slump due to the bankruptcy law changes made a year ago? I can't help but think that the changes weren't the right ones. It seemed like it would have been better to limit how much above and beyond interest the creditors could charge than to make it harder for people to abandon their debt.

Has anyone had any experience with LEGAL HELPERS a bankruptcy law firm? It state's that they are the nation's largest bankruptcy law firm. Are they , I don't know how else to say it...but, on the up and up? Are they okay? I don't know where to find out. This is the website: http://www.legalhelpers.com/ I really need to know, Can someone help? Thank You!

Is there a grandfather clause under the new bankruptcy law? I filed in 2000. Do I have to wait 8 years, or because I filed prior to the new law...am I grandfathered at the previous 6 years?

Is there any way to file bankruptcy and have all your debt wiped out under the new bankruptcy law ? If the answer is yes, what are the legal, economic, employment, etc . conditions to do so ?

If I file for bankruptcy, is the law firm office will stop calling me? The law firm office keep on calling me and they wanted me to pay 5k for my credit card. But I dont have any job and no savings. Thats why I wanted to file for bankruptcy.

Do you think Obama will undue the bankruptcy law changes that GW Bush enacted? Just curious, because I know this was one of the less popular things the Bush administration did.

My mother in law is filing bankruptcy and I'm a user on her credit card what happens to my credit? My mother in law has a store credit card and my husband is listed as a user not co applicant and she is thinking about filing bankruptcy. On his last credit report the card does show up on his report. Do we need to remove him as an authorized user to protect his credit? If we do, will that affect his score? If she closes the account does that affect his score?

I am a California lawyer but I want to practice bankruptcy law in Florida, will it be okay? Be nice! The answer is yes. Federal Administration laws and in House Counsel... Well, you can be narrow-minded, but you have to be kind, at least try!

When the GOP passed the Bankruptcy Law did they just targeted Liberals or all Americans who are struggling? I thought Bush was involved with 2 or 3 bankruptcy issues.

Are divorce law and bankruptcy law lucrative fields? I have heard that some some lawyers have made very good money in divorce law and/or bankruptcy law. They will advertise that they will "do" a divorce or bankruptcy for a few hundred dollars and then many people will call in for their services. I have also heard that divorces and bankruptcies are usually not too complicated. Any information would be great - I may be very misinformed.

Do u think it's ODD that Bankruptcy Law changed, then this HUGE Forclosure Disaster? I wonder if the Government knew this Economic trainwreck was coming in a couple yrs so changed the Bankruptcy Law to protect the interests of Corporate America. What do you think?

Under the new bankruptcy law......How long is the waiting period before you can file chapter 7 again?

I work for a Bankruptcy Law Firm. Please help me with what you think would be a great marketing tool. Thanks. Give me some ideas on how you would market this kind of business. What do you think would be effective and why?

What is federal bankruptcy law? Please explain the federal bankruptcy law, I want to file for bankruptcy but before filing i need to know federal bankruptcy law.

michigan has a new bankruptcy law excluding credit cards from being charged off, is that true? ive been told that there are new laws, but im unable to find them. im trying to prove somebody wrong that they can file a bankruptcy and include all of his credit card debt. so you can include a house or car or boat but not a credit card? is this true?

Has anyone filed for bankruptcy in Illinois and used the Law Offices of Peter Francis Geraci? I wanted to find out if anyone in Illinois has used the Law offices of peter francis geraci to file bankruptcy. My husband and I are planning on filing and wanted to know if this law office was good or not.

Under current bankruptcy law, are retirement accounts dischargeable? I am going through a divorce and working on a settlement agreement which must be payed over a period of a few years. If bankruptcy is filed by my spouse in the interim, I will have to turn our settlement into a judgment and go after it that way BUT what can I secure now..meaning what is NOT dischargeable in court (retirement accounts, personal assets, businesses accounts, mortgages, etc.)

What's the difference from the old and new bankruptcy law?

I need help understanding bankruptcy law with a partnership HELP? In March 1988, Daniel E. Beren, John M. Elliot, and Edward, F. Mannino formed Walnut Street Four, a general partnership, to purchase and renovate an office building in Harrisburg, Pennsylvania. They borrowed more than $200,000 from Hamilton Bank to purchase the building and begin renovation. Disagreements among the partners arose when the renovation costs exceeded their estimates. When Beren was unable to obtain assistance from Elliot and Mannino regarding obtaining additional financing, the partnership quit paying its debts. Beren filed an involuntary petition to place the partnership into Chapter 7 Bankruptcy. The other partners objected to the bankruptcy filing. At the time of the filing, the partnership owed debts of more than $380,000 and had approximately $550 in the partnership bank account. Should the petition for involuntary bankruptcy be granted?

My father in law wants to file bankruptcy in georgia can he do it on just one thing, a car? My father in law is almost 70, he and his wife do not work live on social security and disability they have the house they live in and a rental property. He supposedly co-signed on a car that my sister in law did not pay for and they are calling him and harrassing him to pay it and he cannot afford to pay it, he wants to file bankruptcy on the car can he do that and still keep both his houses?

Who has filed bankruptcy since the new law (10/05) took affect? Has anyone filed bankruptcy since October 2005 (under the new bankruptcy law) and would be willing to share their story?

Did congress sign law granting bankruptcy judges power to modify mortgage loans? New law to aid with housing crisis. It was set to pass March 4. What happened?

Do you think specializing in bankruptcy law is good prospect for law student? Is there any law? 10 pts. for good or detailed answer

What is the current bankruptcy law if you make under $12K?

Can I apply to law school if I file bankruptcy? I am applying to an evening law school program, and there was a question regarding bankruptcy to determine moral and ethic fitness. Unfortunately, I am in the process of getting a divorce, and it appears I will retain a lot of debt in order to retain custody of my daugter. I know I can't discharge student loans, but would a law school accept me if I file bankruptcy? I

Why haven't the so-call Liberal Democrats repeal the Bankruptcy law that was passed by the GOP? Cheney+Exxon or investigate the oil corporations? It is because the whore of corruption is running for President?

Bankruptcy law in California? I am thinking about filing chpt 7 bankruptcy and wasnt sure about the law. If i do file, does that mean that all my debts (credit cards ect) will be wipped clean or will I need to pay this back? How does that work? I just lost my job and there is NO WAY i can pay off my debts for who knows how long it will take to get another job. It seems chapter 7 would be the way to go. Or does somebody recommend something else?

Can I go to law school if I file bankruptcy? am applying to an evening law school program, and there was a question regarding bankruptcy to determine moral and ethic fitness. Unfortunately, I am in the process of getting a divorce, and it appears I will retain a lot of debt in order to retain custody of my daugter. I know I can't discharge student loans, but would a law school accept me if I file bankruptcy?

Would a bankruptcy prevent you from getting a job in law enforcement? I know this varies from department to department, but from your experiences and knowledge, will a bankruptcy in the last seven years immediately disqualify an applicant for a job in law enforcement?

bankruptcy law regarding joint property from previous marriage? in my previous marriage, i had a joint mobile home. i have been divorced for 7 years now and my ex has been taking care of the payments. he just told me today that he plans to file chapter 7... how will this affect me? i believe i will still be responsible, so will payments stay the same or will they demand payment in full? there is still 27000 owed

bankruptcy law with boat as asset in fl? i am filing a chapter 7 and understand that i have to give up most arrests including my boat. what i want to know is if i give up the boat do i also have to give up my boat engine. the only title that i have is on the hull and trailer. the boat isn't insured and i don't owe anything on the boat. can i then keep the engine?

Where can I find an article about general rules of bankruptcy law in England? Does anyone know?

what bankruptcy law deals and how it relates to insolvency in accounting?

Do the new bankruptcy laws require you to pay debts back? I've heard that new law requires you to pay your debts back, and you're not resolved of the debts are included in your bankruptcy. Is that true?

Are public records pertaining to Bankruptcy laws permanent? I already know that the credit companies no longer report about it after 10 years but I wanted to know about the public records made by the court of law. After 10 years, can credit card companies (or who else, do you know?) access the public records and not the credit report. Also I heard that things like social security numbers attached to bankruptcy cases are made public in the public record is this true? NO FUNNY COMMENTS ABOUT FINANCIAL MISHANDLING - I have had a string of bad luck (illness, taking care of family) and been therefore unable to handle it all. Any helpful responses are appreciated.

Will the Democrats repeal many of the Republicans laws: Bankruptcy law, Patriot Act, close Guitmo? or will they pretend that none of these exist?

If the law made it impossible to declare Bankruptcy due to unpaid Medical Bills would the democrats finally SU? You cant avoid student loans by Bankruptcy so why allow the deadbeats to use Medical Bills either? That would eliminate 500,000 bankruptcies a year and get the HMO's paid off and clean up the court system too. Wouldn't our Health Care System look a lot more attractive if no one ever went bankrupt because of it? Just imagine ZERO bankruptcies a year! American Health Care Rocks!

does anyone know about the new bankruptcy law and what the average cost of filing?

Can a bankruptcy affect me during my background investigation in law enforcement? I am filling for bankruptcy because of this huge hospital bill that I can not pay. Will the bankruptcy be an issue during my background investigation for the police?

Has anyone had to file bankruptcy since the new law went into effect? I live in NY....and have had some unfortunate financial difficulties, and very well may have to file. I've looked into the debt settlement companies, but the monthly payments are not what I can work with. With the new law...can I reaffirm with my auto loan, and keep my house? Any advise given from previous experience will be greatly appreciated.

What are the biggest differences now when filing personal Bankruptcy after the new law changes?

What are your views on the new Bankruptcy Law?

Where do I find information online about bankruptcy laws for free ? I need to file a chapter 7 bankruptcy, and looking for free information on the web about the laws and how one would file on their own without a lawyer. I have heard of normal people filing their own bankruptcy, but I don't know where to begin. Search engines seem to lead nowhere and I'm just looking for some great public interest web sites.

Does anyone know how to list a law suit as an asset in a bankruptcy case? I have a pending lawsuit but do not know which schedule to list it on in a bankruptcy case. The bankruptcy is over, but I now have an adversary proceeding. The other side says I should have added the lawsuit to my bankruptcy since its open for the adversary proceeding. I know I need to schedule it as an asset, but their are schedules a - j for assets. I need to know what schedule to use for lawsuits pending. Its an adversary proceeding I am winning. They requested the judge make me schedule it as an asset and assign a trustee.

Should bankruptcy law be changed to allow tax debt to be discharged?

Help with Bankruptcy Law? How do you figure this out? If you try to file for bankruptcy, ,You first have to get a letter from a creditor who is going to sue you. So if you don't get a letter what do you do next.? This law is fixed for the rich only since they have rich friends who will send them a letter to be able to sue so they have no problem in obtaining the requirement needed. But what does a poor, midleclass person do?

Question about bankruptcy law? Did they pass the law allowing bk judges to modify mortgages. And does that only apply for chapter 13 or is chapter 7 included? Thanks.

Filing for bankruptcy costs-any law experts out there? I want to file, but can't afford the filing fee. I am trying to save for that plus an attorney's services if I can afford that too. Creditors and law firms are calling me non-stop. I tell them my plans but that I haven't yet filed. They threaten to sue, but I have no assets. What can I do?

Should congress reform bankruptcy laws to allow courts to modify primary mortgages so people can their homes? This provision in bankruptcy laws was put in to protect banks. A protection that they've clearly abused. It's time to take it away.

my father in law cosigned our auto loan and filed bankruptcy and included the loan in the bankruptcy? He said it was to get his name off of it. He told us to go ahead and send a payment in becasue he wasn't paying for it but wouldn't he have to remove it from the bankruptcy.

Need help with bankruptcy law?? My uncle filed for bankruptcy Chapter 7 back in 2001. He and my dad were partners in a business wich they just sold last week. My dad just told me that about 20K will be offset because of my uncle's previous bankruptcy filing. Now is this legal, or is this included in the new change of the bankruptcy law that came in effect in 2005? Any infor will be appreciated.

My father-in-law recently died he was under bankruptcy can the trustee take his life insurance policy? What happens to the house and his vehicles?

Did the General Motors bailout violate any bankruptcy laws like the Chrysler bailout? The Chrysler bailout favored the UAW over secured creditors and that clearly violated bankruptcy law. Did anything like that occur with the GM bailout?

Why does filing bankruptcy override court judgments, why does the law allow this? For example, a plaintiff wins in small claims and the defendant files for bankruptcy. As I understand their slate is wiped clean and no longer owe the judgement, how is this justified? Obviously it's a cop out, but why does the law allow it, what's the laws justification for allowing this? Why can someone file bankruptcy and still owe child support but not owe a court order judgment?

Should congress reform bankruptcy laws to allow courts to modify primary mortgages so people can their homes? This provision in bankruptcy laws was designed to protect banks. A protection that they've clearly abused. It's time to take it away.

Do the new bankruptcy laws require you to pay debts back? I've heard that new law requires you to pay your debts back, and you're not resolved of the debts are included in your bankruptcy. Is that true? becky: not true. I declared chap. 7 in late 2005, and had to pay nothing back, nor did anything get seized.

Is it possible to have an attorney appointed by the court of law in order to file for bankruptcy? a friend of mine is looking for an attorney to file and does not have the means to pay to them. Can he get one for free if he qualifies for that?

My sister and brother-in-law filed for bankruptcy a couple years ago due to his medical bills.? A couple months later, he passed away. With the money from his insurance, she bought a mobile home with cash and paid for it in full. She cannot get home insurance because of the bankruptcy. What is the connection between home insurance and bankruptcy? She's got the money to make the premiums, but they won't let her. Is she just SOL if her home burns to the ground? Is there any way to get something out of a scenario like this?

Another True or False Question concerning bankruptcy law? Local rules issued by individual bankruptcy courts represent the supreme authority for practice and procedure before each bankruptcy court. ============== I say the answer is false because the bankruptcy court has to make sure their local court rules don't go against the Supreme Court rules. Furthermore, aren't the local court rules for each specific court? Meaning that bankruptcy court 'A' could have different local rules that bankruptcy court 'B'? TIA

did the president of the united states change the bankruptcy law to protect this country? president bush aside the fact he is was and will be the worse president on record..he changed the constitution of this country..see fourth amendment..he passed a bill the patriot act to further limit freedom in this country..he passed the bankruptcy law to further the economy into a disastrous failure..and eliminating funding for education..health care,and even "borrowed" from social security to support his war in iraq and then smiles while he leads the band! before you die hard republicans go and bury your head in the sand box, this country spent over trillion and trillions lost gone not come back as with our finest troops and george bush was president or did we forget what bill clinton left that republican..now look at what the democrats have to repair. now go do your home work..we don't need Bill Mcbush to further all of george bushes deeds.

Under bankruptcy law chapter 7 New Jersey how long do you have to wait to have a house in your name.?

Where can I find attorney that is licensed in FL& MO, bankruptcy/real estate law? Need attorney for my small business, personal, bankruptcy specialists. Own real estate in FL and MO

How to protect my to-be-ex-wife - file bankruptcy before or after divorce? I am failed financially and about to seek protection under the bankruptcy law. I run up credit card bills while being married to my to-be-ex-wife, but I don’t want her to be responsible for my failure. Should I file BK before or after divorce is finalized? How can I be sure my creditors wont go after my ex-wife just because we were married when I over-extended myself? Also, I’d like to be sure that her credit wont be killed because of me. Thanks.

how often are you allowed to file bankruptcy? Is the bankruptcy law the same in all states, and what is the time allowance between each bankruptcy.

I had to file for Chapter 7 bankruptcy because the stock market wiped me out? Do you think you are paying for my mistakes, or am I a victim of a bad economy ? Bankruptcy law bailed me out, else I would be paying the rest of my life. Do I deserve a second chance ? Thoughts ?

if your income declines can you still keep your house and vehicle if you file bankruptcy with the new tax law? 2 almost 3 months behind on house payment and 2 months on credit cards, current on $18,000 vehicle, owe $70000.00 on a 120,000.00 house 1st lien is 45,000 and 2nd is 25,000

Divorce/Bankruptcy-law savvy guys and girls, can you help? First, the basics: I got married in Alabama, and now live in Georgia. I have been married for 4 years, and separated for two of those awful years. One year after we separated, I filed chapter 7 bankruptcy, which has recently been discharged. We are in the process of drawing up divorce papers, however, my soon to be Ex claims that because I did not include himself as one of my creditors in my bankruptcy, that he could try to collect the debt that we have accumulated together over the years, which he now is solely responsible for. Is it true that, even though I filed bankruptcy, that I still owe him for half of our bills, or is he trying to trick me???

What are the bankruptcy exemptions, in Indiana, under the NEW law? Is there a webpage that compares Indiana's OLD bankruptcy exemptions vs. the NEW bankruptcy exemptions?

what is a bankruptcy reaffirmation agreement? and is it required by law in the state of Tennessee? me and my husband just completed a chapter 13 in august 2008. our lender CITIMORTGAGE.reviewed our bankruptcy court docket and has confirmed that a reafirmation agreement was not executed before the bankruptcy discharge was entered on or before we filed. CITIMORTGAGE said under the bankruptcy code, a reaffirmation of debt is not valid unless all of the requirements under bankruptcy law are followed. among other things, this included of filing a fully executed reaffirmation agreement (signed by all parties) with the court before discharge. so CITIMORTGAGE lien remains on our home..i call my lawyer and ask him about the reaffirmation agreement and he told me that reaffirmation agreement in the state of tennessee is only required in a chapter 7 and i and my husband filed a chapter 13...when i tried to talk to CITIMORTGAGE about this they said i am required...i dont know exactly were to go from here...my lawyer says no and citimortgage says yes....is there anyone out there that can explain to me about a reaffirmation? and who is telling the truth and what should i do because i dont know where to start to get this lein off my home and how to go about aquiring the reaffirmation agreement if im actually required.

Does anyone know how to keep your car in a chapter 7 bankruptcy? My husband and I are filing joint bankruptcy pro se (self filing). He has a old truck we own free and clear. I have a car that is worth about 4000 that I owe $300 that is past due on. I know we are only allowed $1250 for a vehicle. Is that each or total? What is the law or exemption that will let me keep my car? Any ideas or suggestions? Does anyone know where you can find bankruptcy laws like that without a lawyer? Thanks!! I know about reaffirming but I only owe $300 and that is past due. Can I still reaffirm on that?

How exactly did the bankruptcy laws change? I am not considering bankruptcy; I am not in a position where I would need to do so. I am just curious. I was trying to explain to a friend that it is a lot harder to file for bankruptcy now than it once was, but I don't know what the change was.

What taxes go away with pre 2006 legal changes to the bankruptcy laws? My father had back taxes and files for bankruptcy in early 2006 now the federal government is comming after the back taxes. Does the bankruptcy take care of those taxes or is he still liable for them? (Lives in Kansas if this matters)