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What Happens If I Forget To List A Debt In My Bankruptcy? »

When you file for bankruptcy you need to list all of the debts that you owe to you unsecured creditors.  The potential consequences if you knowingly fail to list creditors was discussed by Boston Bankruptcy attorney Nicholas Ortiz.
So what happens if you simply forget to list a debt that you owe to an unsecured creditor?
The answer depends on a number of [...]

Can I Reaffirm My Car Loan If I Convert From Chapter 13 To Chapter 7? »

From time to time the financial situation of a person who has filed for a Chapter 13 bankruptcy changes for the worst and they need to convert their Chapter 13 bankruptcy to a Chapter 7 bankruptcy. 
When a bankruptcy is converted from a Chapter 13 bankruptcy to a Chapter 7 bankruptcy the issue of whether or not [...]

Can An Out Of State Attorney Sue Me For A Debt? »

Frequently I will see clients in my bankruptcy law practice that have received a demand letter from an out of state attorney seeking payment of a debt.
What is the likelihood that the out of state attorney will sue to collect on the debt?
The answer is not very likely!  There are a couple of reasons.
First, look [...]

Can I Include My Foreclosure In My Bankruptcy? »

Can a house that has been foreclosed on be included in a Bankruptcy?
A foreclosure proceeding is used by a creditor to seize and sell a house on which the creditor holds a mortgage.
If you live in a State such as Louisiana that allows the creditor to get a deficiency judgment, and if the creditor did not get all of [...]

What Is An Automatic Stay? »

What is an Automatic Stay?
Creditors have many weapons in their arsenal to try to collect on  a debt:

Repeated telephone calls to your house;
Repeated telephone calls to you at work;
Letters, Letters, Letters;
Letters from an attorney;
Lawsuits;
Garnishments.

And this in when the creditor is being nice.
When someone files for bankruptcy they get what is called an automatic stay.
The automatic [...]

Did The Louisiana Legislature Increase The Homestead Exemption? »

In a recent article I reported on two proposals before the Louisiana Legislature to increase the homestead exemption:  one bill would have increased the exemption to $100,000.00 while the second bill would have made the homestead exemption unlimited.
The bad news is that neither of these bills passed in its original form.
However, the Louisiana Legislature did [...]

What To Do If You Can’t Make Chapter 13 Plan Payments? Part 6 Of 6. »

 In the previous articles in this series I discussed various options that are available to a debtor who is in a Chapter 13 Bankruptcy but who can no longer make his Plan payments.
Those options are:

A Hardship Discharge.
Modification of your Chapter 13 Plan to allow Suspension of payments for a period of time or to Extend [...]

What To Do If You Can’t Make Chapter 13 Plan Payments? Part 5 Of 6. »

In Part 2, Part 3, and Part 4  I discussed various things that can be attempted to save a Chapter 13 Bankruptcy Plan if you are having difficulty making the Plan payments.
You have discussed these various options with your attorney and none of them are available to you.
When all else fails a voluntary dismissal of [...]

What To Do If You Can’t Make Chapter 13 Plan Payments? Part 4 Of 6. »

Suspension of Plan payments during a Chapter 13 Plan was discussed in Part 3 as a way to address the situation where Plan payments cannot be made.
A variation on suspension of Plan payments is to extend the length of the Chapter 13 Plan in order to lower the monthly payments.
As with the Suspension of Plan payments, [...]

What To Do If You Can’t Make Chapter 13 Plan Payments? Part 3 Of 6. »

In Part 2 I discussed the option of a Hardship Discharge if you find yourself unable to make Chapter 13 Plan payments.
Another option to help if you are unable to make your Chapter 13 Plan payments is to suspend the payments.
In order to be able to suspend the Plan payments you must be in a Plan that [...]