Comments on: Joint bankruptcy with a single Chapter 7 on record? http://www.smartbankruptcyguide.com/chapter-7-bankruptcy/joint-bankruptcy-with-a-single-chapter-7-on-record/ Helping you make smart bankruptcy decisions Fri, 23 Sep 2011 08:10:46 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: drive_55_not http://www.smartbankruptcyguide.com/chapter-7-bankruptcy/joint-bankruptcy-with-a-single-chapter-7-on-record/comment-page-1/#comment-2942 drive_55_not Sun, 27 Dec 2009 03:03:59 +0000 http://www.smartbankruptcyguide.com/chapter-7-bankruptcy/joint-bankruptcy-with-a-single-chapter-7-on-record#comment-2942 Under the new law,, You can only file a Ch 7 bankruptcy once every 8-years, It was 6-yr under the old law, you'll have to file another chapter,<br><b>References : </b><br> Under the new law,, You can only file a Ch 7 bankruptcy once every 8-years,

It was 6-yr under the old law, you’ll have to file another chapter,
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]]> By: Mama Pastafarian http://www.smartbankruptcyguide.com/chapter-7-bankruptcy/joint-bankruptcy-with-a-single-chapter-7-on-record/comment-page-1/#comment-2941 Mama Pastafarian Sun, 27 Dec 2009 02:52:59 +0000 http://www.smartbankruptcyguide.com/chapter-7-bankruptcy/joint-bankruptcy-with-a-single-chapter-7-on-record#comment-2941 Since it has only been 4 years since the last time you filed, your only option for bankruptcy at this point is a Chapter 13 where you will be expected to pay monthly toward your debts. Did you have the mortgage when you filed 4 years ago? If so, you were required to include that debt in the bankruptcy. If you did not, you committed fraud. Look at your BK paperwork or contact your lawyer from 4 years ago to verify the debt was included. If you did include it, unless you reaffirmed the debt, you do not have to pay the mortgage. You can walk away. If you did not include the house, if you file now, they will figure out you failed to list all your debts and may examine your old case.<br><b>References : </b><br> Since it has only been 4 years since the last time you filed, your only option for bankruptcy at this point is a Chapter 13 where you will be expected to pay monthly toward your debts.

Did you have the mortgage when you filed 4 years ago? If so, you were required to include that debt in the bankruptcy. If you did not, you committed fraud. Look at your BK paperwork or contact your lawyer from 4 years ago to verify the debt was included. If you did include it, unless you reaffirmed the debt, you do not have to pay the mortgage. You can walk away.

If you did not include the house, if you file now, they will figure out you failed to list all your debts and may examine your old case.
References :

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