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Considering BANKRUPCTY or know someone that has and needs help with a Local Law Professional?

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The Legal Express Hotline is a FREE phone legal service that helps you get in contact with the local law professional for a free local consultation to see if you have a bankruptcy case.

We take each call for legal help seriously and will help you find the information you need in order to determine if you have a case.

We are here 24/7 to help you and the loved ones that needs legal help and more..

Got bankruptcy legal questions? Need to talk to a lawyer now for advice? Call us today for FREE legal consultation at 844-557-2569.

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Top Asked Questions About BANKRUPTCY

Bankruptcy can be a confusing process. Here are some of the most common questions sent to Bankrate about Chapter 7 and Chapter 13 bankruptcy.

1. Is credit counseling as damaging as bankruptcy?

A Chapter 7 bankruptcy eliminates many existing debts, but stays on your credit report for the next 10 years and can make it harder for you to get a new job or credit. With credit counseling, you consolidate your bills into 1 monthly payment for a period that lasts usually 3 to 5 years, but it often doesn’t work and most lenders will not lend to you until your counseling period ends and you have re-established some credit. 

2. If I don’t pay the balloon payments on 2 home equity lines of credit, which were included but not reaffirmed in a Chapter 7 bankruptcy, will the lenders foreclose?

You are so far upside down that the HELOC lenders are likely going to charge off the loan. Once you stop paying, the lenders are likely to claim the loans noncollectable rather than foreclosing. 

3. Is it legal for my credit card issuer to levy my bank account for a debt that was “charged off” years ago?

Unfortunately, at this time, all your assets are at risk once the creditor has a judgment against you. The creditor can levy your bank account down to the last penny, up to the amount you owe. 

4. Should I file for bankruptcy or attempt to force my ex-husband, who filed for bankruptcy after our divorce, to pay a large debt in both our names?

There is a reason why the bankruptcy firm advised you to consult a divorce attorney to file for contempt and the divorce lawyer told you to file for bankruptcy. The divorce attorney probably thinks it is too costly for you to go after your ex-husband, and the bankruptcy attorney told you the bankruptcy will negatively impact your credit. 

5. Can one spouse file for bankruptcy?

It is possible for only 1 household member to file for bankruptcy, keeping the other spouse out. However, you need to explore both options before making the decision to file for Chapter 13. 

6. What is the best way to start rebuilding your credit after a bankruptcy?

Although there are a few options, the easiest way to begin re-establishing credit is with a secured credit card with a local credit union or bank. Some institutions will want to see at least 12 to 24 months of good payment history before offering you an unsecured card. 

7. Will I ever recover my 750 credit score if I file for bankruptcy?

You could have a credit score above 750 within a few years after your bankruptcy case has been discharged. After you get your “Discharge of Debtor” notification from the court that all debts have been discharged, take the next step of making sure your credit report is as clean as possible before you apply for new credit. 

8. Can we refinance a mortgage in Chapter 13 bankruptcy?

Refinancing a mortgage in Chapter 13 bankruptcy is an uphill battle, especially if you are underwater, meaning you owe more than the home is worth. Your best option may be to either continue making payments on your present mortgage under Chapter 13 bankruptcy or seek a loan modification. 

9. Will business bankruptcy hurt my credit score?

In the vast majority of cases, small-business owners are personally liable on some or all of the debt incurred while operating a business. If you used your Social Security number to apply for a credit card for the business or personally guaranteed debts to a vendor, those debts will follow you even after the business is closed. 

10. If I declare Chapter 7 bankruptcy, will my HELOC be dismissed?

You cannot eliminate a HELOC that is secured by your house in a Chapter 7 bankruptcy while keeping the home. That line of credit must be paid in order to keep your property.

Got more Bankruptcy Law questions? Want to talk to a lawyer? Call us today for FREE legal consultation at 844-557-2569

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Need to connect to the right lawyer? Call 1-844-557-2569 Today. Our Service is available 24 hours 7 days a week.
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