Brian J Sunderland
Lawyer
Our Bankruptcy Resource Center offers detailed information about the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The bankruptcy center also offers helpful links regarding debt consolidation, rebuilding your credit report, bankruptcy articles and personal finance, glossary of terms and a friendly lenders list. Everything you need to know about bankruptcy and how to begin your road to a fresh new life.
* Chapter 13 cannot be filed unless:
o The debtor received a discharge under Chapter 7, 11 or 12 more than four years ago; or
o the debtor received a discharge under Chapter 13 more than two years ago.
* When a motor vehicle was purchased within 910 days (2 1/2 years) of the filing and a secured creditor has a lien on it, the creditor retains the lien until payment of the entire debt has been made.
* The following debt is NOT discharged:
o debt for trust fund taxes;
o taxes for which returns were never filed or filed late (within two years of the petition date);
o taxes for which the debtor made a fraudulent return or evaded taxes;
o domestic support payments;
o Student loans;
o Drunk driving injuries;
o Criminal restitution;
o Civil restitutions or damages awarded for willful or malicious personal actions causing personal injury or death.
* All tax returns for the four years prior to filing Chapter 13 must
Our Bankruptcy Resource Center offers detailed information about the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The bankruptcy center also offers helpful links regarding debt consolidation, rebuilding your credit report, bankruptcy articles and personal finance, glossary of terms and a friendly lenders list. Everything you need to know about bankruptcy and how to begin your road to a fresh new life.
Brian J Sunderland Lawyer
* Chapter 13 cannot be filed unless:
o The debtor received a discharge under Chapter 7, 11 or 12 more than four years ago; or
o the debtor received a discharge under Chapter 13 more than two years ago.
* When a motor vehicle was purchased within 910 days (2 1/2 years) of the filing and a secured creditor has a lien on it, the creditor retains the lien until payment of the entire debt has been made.
* The following debt is NOT discharged:
o debt for trust fund taxes;
o taxes for which returns were never filed or filed late (within two years of the petition date);
o taxes for which the debtor made a fraudulent return or evaded taxes;
o domestic support payments;
o Student loans;
o Drunk driving injuries;
o Criminal restitution;
o Civil restitutions or damages awarded for willful or malicious personal actions causing personal injury or death.
* All tax returns for the four years prior to filing Chapter 13 must
