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After Bankrupty

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asecondchance

Joined: 16 Jan 2009
asecondchance's page
Posts: 2

75 Magic Points

Subject: After Bankrupty

Fri Jan 16, 2009 12:32 am

Hi,
I was discharged in 10-2006 for chapter 7. But can a discharged debt be list 3 times for the same account in different amounts but all adds up to the full total?
Thanks

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 686

17396 Magic Points

Fri Jan 16, 2009 10:48 am

Hi Asecndchance
Yes, the listing can show in break ups in your credit report it the credit bureaus think so. If the bankruptcy covers three debts, then the discharged debts can be shown individually in your credit report or jointly. But it should show as "included in bankruptcy" and outstanding balance as $0.
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Where there's a will, there's a way !!

Guest

Fri Jan 16, 2009 11:37 am

I have filed a Chapter 7 bankruptcy in 2004. I am presently under huge debts. Can I file bankruptcy again?

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1240

28942 Magic Points

Fri Jan 16, 2009 11:57 am

If you already have a discharged Chapter 7 bankruptcy within eight years, you cannot file a bankruptcy again. This means that since you have a discharged bankruptcy in 2004, you can again file a Chapter 7 bankruptcy in 2012 and not before that. This eight years starts from the date from which the bankruptcy was filed and not from the date when it was discharged.
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All the Best Smile

Justin

wastaf
Guest

Subject: taxes

Tue Feb 17, 2009 4:37 am

i filed on time my 2003 and 2004 state income taxes which had payments due and filed a bankrupty in april 2007 and was discharged in chapter7 in feb of 2009 are the taxes discharged ?

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