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Furthermore, the book offers all the forms you need to handle the bankruptcy filing yourself. discussion of the trusts, you can read "Avoiding the Medicaid Trap" by Armond Budish, published by Avon.
If you are an individual debtor who files for bankruptcy under chapter 7 or 11 of the Bankruptcy Code, a separate "estate" is created consisting of property that belonged to you before the filing date. This bankruptcy estate is a new taxable entity, completely separate from you as an individual taxpayer.
· For some, one of the biggest hurdles to filing for bankruptcy is a prior bankruptcy filing. If you have filed chapter 7 bankruptcy and received a discharge of your debts at any time in the last 8 years, you will not be eligible to file another chapter7 case and obtain a discharge of your debts.
If you plan to file for bankruptcy protection, you must get credit counseling from a government-approved organization within 180 days before you file. You also have to complete a debtor education course before your debts can be discharged.. To protect against fraud, the certificates are.
Bankruptcy is typically considered a last resort option for people suffering financial hardship, and for good reason. Going through bankruptcy can give you a chance to get your finances in order, and possibly even get a clean slate-but it also has negative consequences that can affect your possessions and make it difficult to get approved for credit for years.
· After your bankruptcy, you will still have the debt represented by the loan and still be required to make payments as you were prior to the bankruptcy. If you do not execute a reaffirmation agreement and file it with the court, you will no longer be responsible for the loan, but the bank will have the right to collect the property secured by the loan (i.e. you won’t have to make your mortgage.
If you’re facing Chapter 7 bankruptcy, you may lose your car. However, depending on where you live and your personal circumstances, you may be able to keep your car even if you file chapter 7. In other instances, filing Chapter 13 may be a better option if you want to keep your car.