How long does a creditor have to file adversary in my bankruptcy?
Can a creditor file adversary in my chapter 7 bankruptcy if I used my credit account over 30 days prior to filing bankruptcy? What are the stipulations? How can I determine if I’m safe from a creditor filing adversary against me?
Posted March 3rd, 2010 in Bankruptcy Q And A. Tagged: adversary, chapter 7 bankruptcy, creditor, filing bankruptcy, stipulations.
No..you are not safe…you are pretty much expected to refrain from using credit for 90 days prior to filing, however, this varies by bankruptcy court. Check with your bankruptcy lawyer to find out how lenient or strict the court is in your district.
March 3rd, 2010 at 7:38 pmit will take the same amount of time for when you first lost your virginity… which will be never =)
March 3rd, 2010 at 7:38 pmYou are never safe from that. My daughter is still receiving stuff from creditors. What you need to do is list everything on that bankruptsy file before you turn it in. Then when they come after you, you can show proof of the filing. However be aware….. that once they decide that they can no longer get any money from you… and they will try for quite some time… then they will sell your account to someone else and the whole thing starts over again. You’ll have to prove to the company they sold your account to that you filed bankruptsy and are exempt from paying.. if that is how you worked it out. Some bankruptsies still make you pay a percentage. My daughter is still getting stuff from places that sold their accounts as many as 6 and 7 times or more to various different people when they could not collect. She filed over 10 years ago. You are never safe from creditors until they suck you dry. Also, if you don’t get full exemption for not paying anyone back something so that you are clear then any money that you do get from places like tax returns will be confiscated for those bills and you won’t see it until they are paid off. There are several types of bankruptsies and what you have to do all depends on how you file yours. Sometimes it best to talk to a good lawyer that handles them before you file because sometimes its better to go thorugh a company that works with you to pay them off by lowering interest rates and getting the bills lowerd themselves. That is how we got out of debt many years ago. Its a much better way for your credit scores too. We combined our bills with a company that helps you get out of debt and there are lots of them and within 6 years we were debt free. Most of your debt is in interest anyway and that is what those companies help you get lowered so that your payments are lower. You pay them one lump sum and they pay all your creditors so you never receive harrassing calls any more. I suggest you go that route first if at all possible. Good luck.
March 3rd, 2010 at 7:38 pmCheck the sites thoroughly. It’s an excellent site with some wonderful options for you. It will definitely help you. Have a look.
http://bankruptcy-info.we.bs/
March 3rd, 2010 at 7:38 pmhttp://www.loan-house.info/2009/09/choosing-right-bankruptcy-attorney.html