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Filing for bankruptcy

Date: Mon, 10/16/2006 - 09:08

Submitted by oh2benc2
on Mon, 10/16/2006 - 09:08

Posts: 284 Credits: [Donate]

Total Replies: 4

Filing for bankruptcy


In 2001 my husband and I filed for bankruptcy - it was discharged in May 2001. My husband is now deceased (he passed away in 2003) I am now in a debt management program with T & C. I have my pdls, credit cards and personal loans with them. What I would like to know is that can I file again in my name only for bankruptcy or do I have to wait for the 10 years? Thanks.


Hi oh2benc2

Chapter 7 bankruptcy can be filed again after six years has passed from the date of your last filing. A Chapter 13 bankruptcy can be filed at any time. Is it your only option available now? I am asking this because your credit will have this negative remark once again for the next few years if you decide for bankruptcy.


lrhall41

Submitted by aciotsf on Mon, 10/16/2006 - 09:51

( Posts: 511 | Credits: )


Yes, if there is a situation, you can file for a chapter 13 Bankruptcy in your name. Chapter 13 stays in the credit report for 7 years. Can you talk with your consolidation company and explain them about your situation? They may do some changes on your existing plan so that the repayment doesn't get hurt.


lrhall41

Submitted by aciotsf on Mon, 10/16/2006 - 13:25

( Posts: 511 | Credits: )