I would like to hear from people who filed and experience chapter 7 bankruptcy. I want to know to if it acutally stays on your credit report for 10 years. Is it also possible to get an apartment and a checking account from credit unions or banks?

Essentially, it’s a question of dilemma for a friend who allowed her family to use her credit cards in promise to pay on it. As it naturally goes, her family did not pay on the credit cards. Can charge-offs be included in the bankruptcy as well? Thank you in advance.

partners. We are going to do an LLC. The LLC will be formed prior to me filing for personal bankruptcy. What kind of problems or benefits will arise ?

We short sold our home the same day we filled for bankruptcy, the home was sold and now we received a motion for relief on the automatic stay. what happens with our bankruptcy case?

I filed ch. 7 bankruptcy a few months back and today it has been discharged but one or two of my creditors are still calling me and saying they are going to take me to jail and file criminal charges against me. They are not allowed to file charges anymore after it is discharged right? Please Help and Thanks.

I filed personal chapter 7 bankruptcy in 2007.
I now own a business, a daycare, that is failing due to so many parents being out of work.
Is Chapter 11 the proper bankruptcy to file for this type of debt, and if so, am I eligible?

I am looking into filing chapter 7 and need an inexpensive lawyer. Please let me know if you of one here in NC.

I file for bankruptcy and I have the meeting on the 17th. I DON’T have an attorney.And I forgot to add a creditor on the file.

Please, I need to know exactly what is the form I have to print out and fill out to bring to the court in Fort Lauderdale, Florida. I know I have to pay a fee of . But I still don’t know what form I have to fill out and where to get it. Thank you for your help.

I have found conflicting information. Some sites say you can purchase a home anytime after a bankruptcy discharge as long as your credit score has been rebuilt but other sites say you have to wait at least 2-3 years. Which is it?

I’ve filed for Chp 7, and have a home mortgage and another mortgage for a lot we own. My home mortgage people are saying I need to sign the "re-aff" paper’s or they wont report my payments to the credit bureaus. And that I won’t be able to build up my good credit. And what about my other mortgage , too? Thanks for your time.

I am preparing to file a Chapter 7 Bankruptcy to discharge my medical bills of ,000. I have no other debt, other than my car payment. What can I expect my credit score to fall to? Right now I have about a 700.

My husband and I filed for chapter 7 bankruptcy 6 weeks ago due to a wage garnishment and other reasons. Our lawyer told us because of the timing and amount garnished we would get all of the garnished money back. The automatic stay has been in place for 4-5 weeks. My question is when or how long does it take before you receive that money back?

I want to file Chapter 7 to totally get rid of my debt. The only problem is my spouse doesn’t agree with this, so I would have to file by myself. I have 5 credit cards in my maiden name and 1 credit card in my married name. My medical bills are in my married name. As far as my assets, my name is on the house but not on the mortgage. My name is also on the two cars that we own.

Can I file Chapter 7 bankruptcy without the cars and the house being affected? If I can’t file by myself then what else can I do?

I have some debt from 12 or more years ago and I am filing a chapter 7. How do I locate these and is it necessary since they are so old?

My parents may be filling for a chapter 7 bankruptcy and have 4 cars in their name (my truck included). I just paid my truck off and am about to put it in my name. If my parents file for bankruptcy soon after I put my truck in my name can they still take my truck? I heard there was a year time period between letting go of assets and filling for banckruptcy before those assets cannot be taken. I live in Colorado Springs, im sure theres different laws depending on state of residence.

I had a discharge in 02/06 and wanted to know how long after a chapter 7 discharge that the court Trustee, can request information or try to take away income tax returns etc?

Being unemployed and out of savings- should I file chapter 7 Bankruptcy to rid me of all my debts?
If I do this will I lose my home? Its worth less than my mortgage at this point in time!

my friend file a chapter 7 bankruptcy in 2005 and has now been out of work for a year and a half.
Is it to early for him to be able to file for bankruptcy? what’s the time frame from being able to file for another bankruptcy I guess, is what I want to know? and if chapter 7 the best one for him?

Are judgements discharged in chapter 7 bankruptcy. Example if you were evicted from an apartment or house. Also if you own your vehicle will they take that or do you get to keep it? And how long does it take for your credit score to improve and for you to be able to apply for credit again?

I filed a Chapter 7 bankruptcy that should have been completed in July or August at the very latest. My lawyer claimed to have not received my certificate of completion for the post bankruptcy course and let it go. My case was discharged before he told me anything was wrong. I’d called a few weeks before and was told everything was fine ad I’d receive confirmation soon. I was able to prove that he received the certificate and he paid the fee to reinstate my case. I planned when to file so that a year later I could co-sign on a home loan with my husband when he got back from Iraq. Now it’s just been filed and my 1 year mark will be 5 months later so my husband will come home from Iraq and we won’t be able to buy a house. This was hard enough and now he’s made it even worse. We’d have to come up with 15% down at least to get a loan. Can I sue my lawyer for his incompetence and this inconvenience. I’m not looking for free $, I’m just really frustrated and heart broken! Thanks 4 answering!
You don’t know my whole situation and you don’t have to be a jerk. I wasn’t scamming anyone, I stopped working when my daughter died and we couldn’t affort one income at the time. It’s better to pay on a house than to waste money renting so we weren’t planning a scam we were planning to recover from this nightmare!
I can prove he got the certificate because the company I took the course through has the email and fax conformation. I have already spoken to several lenders and they all say 1 year.