Multiple Bankruptcy Filing

I previously filed for Bankruptcy, but because of circumstances beyond my controll I need to file Bankruptcy again.  Do I qualify for another Bankruptcy Discharge? It depends on what Chapter was your last filed Bankruptcy and whether you received a discharge.  Moreover, your bankruptcy filing is in good faith. If you filed for Chapter 7 Bankruptcy and received […]

Liens and Bankruptcy

What liens can bankruptcy remove? The answer depends of the type of liens and which bankruptcy chapter filed. Judicial liens, aka judgment liens, by credit cards, personal loans, medical bills, or deficiency from car repossession or foreclosure can be removed in either a Chapter 7 Bankruptcy or Chapter 13 Bankruptcy if you meet the conditions. […]

What is the Best Thing About Bankruptcy?

What is the best thing about bankruptcy? The answer to this question will be different for different people.  For some people,  the best thing about bankruptcy is discharge of debts.  Bankruptcy can be a huge relief if you have insurmountable credit card debts, medical bills, unsecured personal loans, deficiency from car repossession or foreclosures, guaranteed […]

What Debts are Discharged in Bankruptcy?

What debts are discharged in bankruptcy? Examples of dischargeable debts in bankruptcy,  whether you file for Chapter 13 Bankruptcy or Chapter 7 Bankruptcy,  are credit cards, medical bills, unsecured personal loans, and deficiency from car repossession or foreclosure. Examples of non dischargeable debts are child support, alimony, recent taxes, debts incurred through fraud, fines, restitution, […]

What does Discharge of Debt Mean in Bankruptcy?

What does discharge of debt mean in bankruptcy? When the Sacramento Bankruptcy Court or Modesto Bankruptcy Court grants you a discharge, it means that your creditors cannot collect your debt from you personally.  Once you received a bankruptcy discharge, your creditors have to stop wage garnishment, bank levy, phone calls, threatening letters, lawsuits and other attempts […]

If I File Bankruptcy Without My Spouse, Can Our Creditors Collect From the Non-Filing Spouse?

If I file Bankruptcy without my spouse, can our creditors collect from the non-filing spouse? When only one spouse filed for bankruptcy, the bankruptcy discharge will discharge both the filing spouse and the marital community properties. Community properties are generally property acquired during the time of marriage. Of course, there are always exceptions to the […]