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Todd Young [R, IN-9] Source: opencongress.org Source: debtreliefmag.com Source: debtsettlementinformationco.com Source: debtreliefmag.com Source: debtreliefmag.com Source: debtreliefmag.com Source: debtreliefmag.com Source: filebankruptcyco.com Source: debtreliefmag.com Source: debtreliefmag.com Source: bankruptcylawyersco.com Source: bankruptcycourtco.com Source: howtofilebankruptcyco.com Source: bankruptcylawyersco.com Source: bankruptcyattorneysco.com Source: bankruptcylawyersco.com Source: bankruptcyrecordsco.com Source: bankruptcycourtco.com Source: foreclosureattorneyco.com Source: foreclosureattorneyco.com Source: foreclosureattorneyco.com Source: foreclosureattorneyco.com Source: chapter9bankruptcyco.com
Source: bankruptcycourtco.com
Video: Chapter 13 Bankruptcy: What to Expect
9th Circuit Rules That Chapter 13 Filers Cannot Contribute to 401(k) During Bankruptcy
Circuit BAP did, however, say that if you are making payments on a retirement account loan(you withdraw money from your retirement account as a loan, and then pay it back over time), those payments may continue during your Chapter 13 repayment period. This confirms with how other bankruptcy courts across the nation treat this issue.
Source: nolo.com
What are the consequences of filing for bankruptcy?
You may be able to restore your credit score to healthy levels in as little as two years after filing for bankruptcy, according to Resop, but the filing may still cause you headaches. Even though it’s against the law for landlords to disqualify tenants solely on the basis of a bankruptcy, they often treat bankruptcy as a red flag. Same thing with employers: The U.S. Bankruptcy Code prohibits employers from discriminating against jobseekers simply because they’ve filed for bankruptcy, but it may still be a factor — particularly for a job involving financial transactions, says Resop.
Source: cnn.com
Chapter 7, Chapter 13 bankruptcy: What Phoenix filers can keep
Filers are also able to keep things like a stove, refrigerator, and a table and chairs which all benefit cooking for and feeding a family. They can also keep a washer and dryer, a television, a radio alarm, and other items that can help an individual maintain a productive daily life. For Phoenix residents, a Chapter 7 or Chapter 13 bankruptcy doesn’t have to be the end, and these exemptions can assist in seeking a new beginning. Further, under a Chapter 13 proceeding, the goal is to keep significant assets by proposing a plan for the court’s approval to repay creditors over a stipulated time period.
Source: ellettlaw.com
Can I Continue Contributing to a Retirement Account During Chapter 13 Bankruptcy?
During Chapter 13 bankruptcy funds are allocated to repaying debt obligations based on income ability. The plan allows debtors to repay debt within a 3 to 5 year period. People commonly make voluntary contributions to their retirement account via payroll deduction. Upon finalizing your Chapter 13 plan the court may request that for the duration of the repayment period, all payments toward your retirement plan be put toward debt obligations. Yet this may not always be the case. Some courts may allow you to continue making contributions to your retirement account if you are close to retirement age.
Source: allmandlaw.com
Should I File a Chapter 13 Bankruptcy or a Chapter 7 Bankruptcy?
Another issue most people don’t consider in the process of making the choice between filing Chapter 7 or Chapter 13 is whether they have health insurance. One concern with filing a Chapter 7 bankruptcy is that it may prevent you from declaring bankruptcy or being eligible for another bankruptcy discharge for a longer period of time. If you currently have no health insurance, filing a chapter 7 could be perilous to your financial future. If you were to suffer an accident or some other medical problem and you are not insured, you will most likely have some enormous medical bills. If you have filed a chapter 7 previously, you would be barred from bankruptcy relief for a longer period of time and would more or less be suffering collection harassment and possible garnishment from medical bills that you could not get relief from because of the chapter 7 you filed. This is a valid issue and an issue that is not often discussed; however, it is one that I and the other attorneys here at Bond and Botes do consider when advising our clients as we want to help you choose the best option to afford you the most long term financial help and relief.
Source: bondnbotes.com
What are the rules governing a Chapter 13 bankruptcy filing?
Chapter 13′s rarely succeed without the help of a bankruptcy attorney. Through a Chapter 13, you are allowed to reorganize your finances so that you can pay off all or a portion of your debts over time and avoid the repossession of your assets. If you qualify to file under this type of bankruptcy, you will have to follow certain steps to regain control of your finances and retain assets.
Source: patforte.com
New York Bankruptcy Buzz Blog
Chapter 13 also provides individuals with a way to reinstate their mortgage loan and get back on track with their normal payments. For a lot of homeowners who have fallen behind on their mortgage payments, they may be facing what is known as an “acceleration” of their loan, where the bank demands all of the loan be paid to avoid a foreclosure. This is basically impossible for most persons facing this problem. But, what if you could take that amount you are behind on and pay it off over 60 months and resume making your normal payments at the same time? This is possible in a Chapter 13 bankruptcy. So, if you owe $20,000 to your mortgage company and cant come up with the whole amount now, think about whether you could come up with $333.33 each month to deal with this. It may be better to pay your mortgage company back that money each month than continuing to make that car payment or credit card minimum payments each month.
Source: blogspot.com
Key things to know about Chapter 13 bankruptcy
Creditors: There are three types of creditors in a Chapter 13 bankruptcy case: priority creditors, secured creditors and unsecured creditors. Priority creditors (those that have special claims under U.S. bankruptcy law) must be paid first, then secured creditors (where a creditor has a right to take property back when someone defaults on a loan), and finally unsecured creditors. Your bankruptcy plan must include full payment to priority creditors and secured creditors, but does not need to pay unsecured creditors in full as long as the plan provides for your entire disposable income.
Source: pelleylaw.com
Will Chapter 13 Bankruptcy Discharge Any Of My Debts?
Filing for bankruptcy as a single individual or married couple will normally mean filing under either chapter 7 or chapter 13 of the bankruptcy code, and the difference will be based on the income, debts, and assets of the petitioners. Chapter 7 bankruptcy is known as the option that eliminates the debts in the case completely, and there is no repayment plan needed. With a chapter 13 bankruptcy case a specific repayment plan is required, and this plan may last from 36-60 months. During the period of the repayment plan all income must be reported to the court, along with all expenses and monthly bill amounts. After the expenses and reasonable costs are deducted from the income of the petitioner any remaining funds will be used to pay down the debts owed in the case.
Source: debtfreeohio.com