bankruptcy california 2009

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California Rules of Court Federal Bankruptcy Courts 2009 Revised Edition

California Rules of Court Federal Bankruptcy Courts 2009 Revised Edition


1340 pages, 2009…

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SaduniJanuary 19th, 2015 at 10:25 am

If you’re filing chaetpr 13 you don’t have to reaffirm it with the creditor, because if you default on the reaffirmation the debt can no longer be protected under the bankruptcy. Just get with the trustee and they will help you devise a payment schedule for the arrears. Keep in mind that you have to be in a situation to start making the normal scheduled pymt. plus the pymt. on the arrears. The only reason this usually work is because it’s all one arrears pymt.(car,credit cards, etc.) whatever debt you’re including in the bankruptcy rather than a bunch of them, and you can usually spread it out over 5yrs. Filing chaetpr 13 is not getting out of paying your bills, but actually a way of getting back in control. Chapter 7 is when you say ***** everything and pay nothing, so don’t pay attention to that other msg that was saying put this toward this and that. As a matter of fact once you file starting the very next mth once you start the pymt. plan you are starting anew and ontime with your debts once again, all while paying on the past due that has been put on the back burner so to speak.

AnaApril 19th, 2015 at 7:50 pm

Hi!I declared bapcruntky (Chapter 7-complete discharge) in 2001 and we adopted from Russia in 2006. Our adoption agency, as well as the agency that did our homestudy, stated that it wasn’t the most optimum situation, but enough time had elapsed since the declaration and our adoption, in addition to the fact that I had NO DEBT when we applied. I had no credit cards, no outstanding loans (except our mortgage), NOTHING! They said that I was showing financial responsibility and that it would look good in the homestudy.You may have to wait a few years before you adopt before you can apply. You stated that you want to adopt from within the system. My advice would be to call your state’s adoption agency and inquire as to what they perceive as a good amount of time between filing for bapcruntky and attempting to adopt.Good Luck to you!!

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