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...
by John Rogers | Jun 7, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Bankruptcy Attorney
Yes. All of the debts have to be scheduled, with the name and address of the creditors. This is so that they can receive notice of the bankruptcy, and get their fair share of any money that is paid to creditors. Sometimes debtors think that they should omit a creditor...
by John Rogers | Jun 1, 2013 | Chapter 7 Bankruptcy
No. There are a number of types of debts that are excepted from the discharge given in Chapter 7. Among the most common are debts for certain taxes, fraudulently incurred credit card debt, family support obligations (including child support and alimony), and most...
by John Rogers | May 31, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
What can be done if a debtor falls behind in payments after obtaining a Chapter 7 discharge? Can another bankruptcy case be filed? The discharge in a Chapter 7 case only covers the debts that were incurred before the case was filed. The bills that a debtor incurs...
by John Rogers | May 30, 2013 | Chapter 7 Bankruptcy, Consumer Bankruptcy Attorney
Yes. Even though a debt has been discharged, the debtor can still make a voluntary payment of the debt. This often happens, for example, with debts that are owed to family members or friends. But the key to this kind of payment is that it must be entirely voluntary;...
by John Rogers | May 25, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Our office is starting to see more clients with Care Credit as a creditor. Who are they ? Care Credit is a credit card account, or line of credit, offered through GE Capital that doctor and dentist offices are offering to their patients, with or without health...
