Does A Married Couple Have To File Bankruptcy Together?
As a married couple filing for bankruptcy, you’re sure to have many questions including whether or not you are required to file together.
Your spouse does not have to file bankruptcy with you, however, your spouse’s income is considered in your eligibility factors, and if filing Chapter 13, the spouse’s income is considered in evaluating if you are filing a good faith and how much you must pay in your Chapter 13 plan.
If My Spouse And I File Together Do We Both Need To Take The Credit Counseling Course?
Can A Debt Settlement Company Be Used To Avoid A Bankruptcy?
It may be true that a debt settlement company can settle all of your debts, I cannot tell how many times a particular debt settlement company has been successful in settling all of somebody’s debts. I can’t tell you how many times I filed bankruptcy for someone who you will use the debt settlement company and ended up getting sued by one of their creditors.
Do I Have To Take A Second Course After Filing Bankruptcy?
Yes, you must take a debtor education course and file a certificate of financial management course with the bankruptcy court in order to obtain your discharge.
How Many Years Will Bankruptcy Remain On My Credit Score?
A Chapter 7 bankruptcy can remain on your credit report for up to 10 years. Some chapter 13’s may remain for up to 10 years. Normally Chapter 13 cases drop off after seven years.
How Do I Know If I Am Eligible To File Bankruptcy?
Contact Cianchetta and Associates and we will be happy to give you a quick evaluation over the telephone and tell you if you’re eligible to file bankruptcy.
Why Is A Chapter 7 Bankruptcy Called A Liquidation?
The Chapter 7 bankruptcy is called a liquidation because all of your nonexempt assets are liquidated and distributed to your creditors. Most of the assets in most cases are exempt in the cases are no-distribution cases meaning there is no distribution going out to the unsecured creditors.
Should I Pay Creditors Prior To Filing For Bankruptcy?
It depends on the individual situation, however, is important to always pay taxes and wages because they are non-dischargeable debts you should consult with an attorney to determine what prebankruptcy steps you should take prior to filing.
For more information on Creditors & Depositions In Bankruptcy, a consultation with an experienced California Bankruptcy Attorney is your next best step. Get the information and legal answers you are seeking by calling (916) 685-7878 today.
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Outstanding! I did a thorough search looking for a good, honest attorney that I could trust, looking at many reviews. I found Peter and made an appointment with him. The best decision and best attorney I’ve done business with in my entire life.
- James M.
★★★★★
Mr. Cianchetta is an OUTSTANDING attorney. I was a little nervous about seeing an attorney for my case. Mr. Cianchetta and his staff made my wife and I feel right at ease. He took extra time explaining what to expect before, during and after our process. His advice was right on!
- Jack M.
★★★★★
Great Lawyer in Elk Grove. He helped me with a bankruptcy a few years ago and is still very helpful in answering any questions I have about it. I have also spoken with him regarding family law and estate issues. He’s very patient and is willing to take the time needed to explain everything to me so I can understand it. He’s also very quick to respond. I have already recommended him to many of my friends and family.
- Kathleen
★★★★★
During a rough time in my life, Peter was there to comfort me and make sure everything will turn out ok. Peter took great care of all my needs and handled every matter with professional care. I would highly recommend Peter because he CARES. You're not a turn-and-burn case. Peter has followed up with me to make sure things are going smoothly and on the right track. If you want a fresh start with an honest, upfront, caring team… Peter Cianchetta should be and will be your only call. Thanks Peter for all your help getting me a fresh start.
- Dante M.
★★★★★
Peter Cianchetta is the best attorney in town! He assisted me all the way through my bankruptcy. He never let me feel as if I was bothering him with my hundred questions. He was very informative and made me feel very comfortable throughout my whole case. I would definitely recommend him to anyone who is in need of a good lawyer that knows what he’s doing and gets the job done!
- Angela
★★★★★
Outstanding! I did a thorough search looking for a good, honest attorney that I could trust, looking at many reviews. I found Peter and made an appointment with him. The best decision and best attorney I’ve done business with in my entire life.
- James M.
★★★★★
Mr. Cianchetta is an OUTSTANDING attorney. I was a little nervous about seeing an attorney for my case. Mr. Cianchetta and his staff made my wife and I feel right at ease. He took extra time explaining what to expect before, during and after our process. His advice was right on!
- Jack M.
★★★★★
Great Lawyer in Elk Grove. He helped me with a bankruptcy a few years ago and is still very helpful in answering any questions I have about it. I have also spoken with him regarding family law and estate issues. He’s very patient and is willing to take the time needed to explain everything to me so I can understand it. He’s also very quick to respond. I have already recommended him to many of my friends and family.
- Kathleen
★★★★★
During a rough time in my life, Peter was there to comfort me and make sure everything will turn out ok. Peter took great care of all my needs and handled every matter with professional care. I would highly recommend Peter because he CARES. You're not a turn-and-burn case. Peter has followed up with me to make sure things are going smoothly and on the right track. If you want a fresh start with an honest, upfront, caring team… Peter Cianchetta should be and will be your only call. Thanks Peter for all your help getting me a fresh start.
- Dante M.
★★★★★
Peter Cianchetta is the best attorney in town! He assisted me all the way through my bankruptcy. He never let me feel as if I was bothering him with my hundred questions. He was very informative and made me feel very comfortable throughout my whole case. I would definitely recommend him to anyone who is in need of a good lawyer that knows what he’s doing and gets the job done!
- Angela
★★★★★
Outstanding! I did a thorough search looking for a good, honest attorney that I could trust, looking at many reviews. I found Peter and made an appointment with him. The best decision and best attorney I’ve done business with in my entire life.