On December 15th we filed a Ch 7 Bk. I just found out from my lawyer's assistant that we must meet with our lawyer on Thursday to convert it to a 13. Apparently we make too much for a CH 7. My question is the lawyer is only concerned with our credit card debt. He wants to do a plan to include only our credit cards and payments over a 3 year term. We owe more on my dh's truck than what it is worth so my question is… Would it be more beneficial to us to include his truck?? I mean when yo

We're filing Ch. 7 shortly and we have a truck loan with our credit union – we plan on re-affirming the loan. I've heard some people say that Credit Union's won't do that? Is that true or not?
Also, since we're keeping the truck loan with the credit union are we okay keeping our checking accounts there?
Thanks everyone

Filed for a no asset Ch 7 in May 2005. Prior to filing I had a business line of credit with a bank that was personally guaranteed. This probably should have been included with BK, but because the corporation was still going to stay in business the atty said it didn't need to be. This particular line of credit was interest only and in early 2007 the bank tried to convert it into payments of approx $800 month to accelerate repayment which I told them I could not afford. Bank called ba

I filed in CA on Oct 14th, under the old law.
I have creditors whom I need to add to the list.
How many days Do I have to do an amendment?

Our attorney died suddenly shortly after Christmas…he was a nice guy. Today I called the trustee's office to see where we stand. We had converted from a ch 13 to a ch 7 late this summer, and had our second 341 in October. I was expecting to be discharged before Christmas. The trustee's rep said it probably wouldn't be until mid-February, and to call him back if I don't hear anything by then. Doesn't sound like there's any problems, it's just taking a looonnnn

Trying to figure out if I should file for CH 7.
(if i can, without losing my job)
Hy husband and i are heading for a divorce. Once we seperate, there is no way that we can keep up with debts. We are fine while together. but one we are paying seperate bills (ie (2) rent (2) electric ect… ) Just don't see how it will ever work.
Here is the situation:
6000 in cc debt, but 3000 would be out of sol…
One repo … sold a 02 mitz low miles under warranty at an auction

I am filing CH 7 against my car. I have moved to a different state and and they refuse to send the title to the BMV even though they will be listed as the lein holder. So… I cant get plates. When I file CH7 will they be forced to comply and send the title?

hi, thanks to all who have posted and all info here!o.k. so probably need to read my last post to understand,where i'm coming from.its been 3 days and no return call from attorney?? confirmation meeting june 9th.I quess its the fear of the unknown thats driving me mad.I do not know anything thats going on? question # 1.shouldn't i know amounts or what the modification their trying to do?#2 does that pacer you guys talk about have personal info or 341 meeting info in it?guy kinda suggeste

We live in NYS and I am just gathering all our info so we can make a decision on whether to file. My kids who are minors have bank accounts. One is UGTMA but the other 4 are CD's and have the child's name first and then my name also. These CDs just keep rolling over-no withdrawals but Im worried the trustee will want them. We opened them 5 years ago. I don't want my kid's money taken but if I take my name off is that fraud?

Wife just filed Ch. 7, she is an authorized user on my Amex., should I cancel her card or will Amex allow her to retain without giving me problems or closing my account. (I did not file, my wife was the only one who filed, account is solely in my name with her as an Authorized user)