You don't have a choice. You list all of your creditors and the court notifies them of the filing. If you deliberately omit a creditor from the list you can be charged with a federal crime and, more seriously, denied a discharge or have your discharge (as to ALL creditors) revoked.
In the state of North Carolina it is illegal for any organization to garnish your wages. I'm not sure the state that you filed your Chapter 13 bankruptcy, but my suggestion is contact your bankruptcy attorney and tell him the situation.
No. If you file bankruptcy, you are basically telling the creditors that you don't have any funds to pay them. Your finances are being held by the court and the lawyers will tell the creditors that you filed bankruptcy. You are still responsible for the debt. WRONG! If you file bankruptcy and file a chapter 7, if the judge approves your appeal all your credit card debts are erased, and creditors have to stop calling and harassing you. If you file a chapter 13, you are still responsible for a certain portion of your debt, to be paid over a 5 year period, and creditors have to stop calling and harassing you.
Yes- attorney needs to know if you ever filed BK (what type and when).
http://www.companieshouse.gov.UK/ click on search company info search there name then click on order info on this company but you don't have to pay and it will show you a list and tell you if it has filed for bankruptcy. Adam www.aeautomotive.co.UK
Tell them you filed. Give them the case number. Give them the number of your attorney. If they continue to call, tell them every time they called that you filed and WRITE DOWN THE DATE AND TIME. Make sure you verify which creditor is calling. Every call after they are informed that you have (not will) file bankruptcy is a violation of the Automatic Stay and they can be fined heavily. Speak with an attorney about your specific situation. If you can not find an attorney, contact your local Bar association and they will refer you to one.
If you are unable to pay your creditors, you could be a good candidate. You should talk with an experienced bankruptcy attorney, and if bankruptcy isn't the way for you to go, debt settlement might be.
You should not tell them anything...the court will handle communication. Ypu should refer them to ask any Qs they have to the court.
The first two digits of the docket number, before the hyphen, tells you the year. If you don't have the docket number, you can go to a bankruptcy court or bankruptcy lawyer's office and look it up on the computer.
If your house is being foreclosed on, you need to file a chapter 13, with a plan for paying the secured debt arrears, including the mortgage(s) and have the income left over every month to pay the plan (and the trustee's percentage).
BK will not affect any insurance policies that are already in effect.
No. But it is always in the best interest of the client to divulge any and all information that might be pertinent to the matter.
It is nothing you WANT to tell them...all it does is make them speed up their efforts to collect and act to leaglly secure their position to your assets before you file - and of course, stop providing any new credit immeadiately.