by John Rogers | Jun 13, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Bankruptcy Attorney
How can debtors obtain a copy of their credit reports and correct any errors? Whenever a debtor’s application for credit is denied, the credit issuer is required to give the debtor, on request, a copy of any credit report that was used in making the decision....
by John Rogers | Jun 13, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Bankruptcy Attorney
A mandatory debtor education program is required in connection with Chapter 7 and Chapter 13 cases that can help debtors understand how to re-establish and maintain good credit. Also, after discharge in Chapter 7 or 13, debtors may be able to obtain a...
by John Rogers | Jun 12, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
At the conclusion of an individual’s bankruptcy case, the court enters an order closing the case, and a copy of this order is sent to the debtor. Unless the trustee has assets to distribute to creditors, case closing takes place fairly quickly in Chapter 7 cases. In...
by John Rogers | Jun 11, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Bankruptcy Attorney
No. Liens can be placed on a debtor’s property in many different ways. Some are by agreements, like mortgages and auto liens. Others are by operation of the law, like property tax liens on a debtor’s home. And some liens are to enforce judgments that have been entered...
by John Rogers | Jun 10, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Collectors
If a creditor who is listed in the debtor’s schedules attempts in any way to collect a scheduled debt, the debtor should inform the creditor that a bankruptcy case has been filed and request that the creditor stop the collection efforts. If the debtor is represented...
