Consult an experienced competent bankruptcy attorney. Tell him everything. Make sure he explains his answer and the basis of the answer.
Yes - you can request a variable repayment plan with higher payments during the months that you are employed. Ask your lawyer or trustee for more info!
Money for your plan payment, tax refunds.
While participating in a Chapter 13 bankruptcy, no major financial transactions are allowed w/o the permisson of the bankruptcy trustee.
Maybe. A chapter 13 is a repayment plan and in some instances will not affect the terms of the lender and borrower contract.
In most cases you can, I had this same issue filing a chapter 7 and someone wants to purchase my home, I contacted my bankruptcy attorney and he said as long as there is not a lot of equity like $4000 or less than it is ok, but the trustee will be notified. I would advise anyone to wait if you have a large amount of equity.
While involved in a Chapter 13 repaying of debts the debtor must receive permission from the bankruptcy trustee in charge ofthe casefor all major financial transactions.
A Chapter 13 bankruptcy puts the entire debt collection process on hold to give the filers time to work out a court-approved repayment plan for a portion of their debts. Thus, because the process is on hold, a loan modification can not be enacted while a mortgage is currently under the supervision of the Chapter 13 trustee. However, it is possible to negotiate a modification of a loan with the mortgage lender during the bankruptcy. But it will be necessary to have the bankruptcy case voluntarily dismissed before the modification can be finalized and put into effect. Banks may not be willing to negotiate with the borrowers under the circumstances of a Chapter 13, though.
Because they were there during the trustee period and the trustee's disapproved of slavery
In general, you don't. Any asset that is not exempt or abandoned by the trustee may be sold after the discharge is entered.It is possible to have an asset that is exempt and that you have to sell before the Chapter 7 has been completed, but in 37 years of doing bankruptcies I have never had one.If you do not need the asset or cannot exempt the asset, the trustee will be happy to take possession of it and auction it off for his benefit and that of the unsecured creditors.Selling an asset before the Chapter 7 is completed will result in the trustee bringing an adversiarial fraud action against the debtor.
21 :)
Yes, if your equity in the house is greater than the exemption you can use and you cannot pay the trustee the difference, or if there is no mortgage on the house and its value is more than the exemptions. If you are current with your mortgage when you file and get behind on your mortgage during the chapter 7, the mortgagee can foreclose. Consult a local bankruptcy lawyer.
# I just converted. Once you convert and the papers are filed they will close your chpt. 13 and if there is any money left in that account they will send you a check. My employer kept taking money out of my check until they received a letter from the trustee telling them not to. They paid me back the 3 weeks difference. Hope this helps.