Refinancing a home mortgage while you’re in Chapter 13 bankruptcy is usually possible … Ask your local bank or credit union if they can refinance your mortgage while you’re in Chapter 13.

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Aug 15, 2019 … Settling debts or declaring bankruptcy are two routes that some people choose to get out from overwhelming debt. Each offers pros/cons.

ALICIA Christopher S. Irvin, 15 County Road 527, Sept. 10, 2020, Chapter 7. AMITY Sheila Rebekah Austin, 1133 Tink Thompson Road, Sept. 9, 2020, Chapter 7. ASHDOWN …

Filing for chapter 13 bankruptcy will damage your credit for seven years (unless removed), lowering your score up to 240 points. There are 5 primary steps for rebuilding credit during chapter 13: Open two credit builder cards (payment history is 35% of your score) Open one …

A chapter 13 bankruptcy is also called a wage earner’s plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. If the debtor’s current monthly income is less than the applicable state …

Jul 30, 2020  · Chapter 13 Trustee . The Chapter 13 trustee acts as the main point of contact for a debtor. The trustee will review the proposed payment plan and has the authority to challenge the plan in bankruptcy court if they believe that it is improper. If the Chapter 13 plan is confirmed by the bankruptcy court, the trustee acts as an intermediary between the debtor and creditors receiving payments.

A New York state judge has rejected bankruptcy software company Epiq Systems’ efforts to dismiss breach of contract claims brought by MUFG Union Bank, which says Epiq’s sale of its Chapter 7 …

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However, Chapter 13 is not free of threats to bank accounts. Debtors may face a problem if, at the time of filing for Chapter 13, they owe money to the bank or credit union in which their funds are deposited. Also, some banks have been known to freeze accounts upon filing for bankruptcy until the judge gives authorization to release the funds.

A Chapter 13 bankruptcy may be a better option (and potentially your only option) depending on your income. With a Chapter 13 bankruptcy, you can: Keep all your property Catch up on payments and avoid foreclosure or repossessions Make monthly payments for three to five years and then have your remaining debt discharged There are still …

Learn your Chapter 13 options. Our Chapter 13 bankruptcy attorneys in Union County NJ can help you. Call 973-218-6877 for your free consultation.

About the Process for Filing a Bankruptcy Case for Individuals . … and Chapter 13 Calculation of Your Disposable Income (Official Forms 122C–1 and 122c–2) …… 36. statement of Intention for … local bar association for help in obtaining free.

Seeking Chapter 13 protection allows you to keep all your property. It simply extends the amount of time you have to repay what you owe after the bankruptcy court issues its ruling. It is possible to file a Chapter 13 bankruptcy after a Chapter 7 is completed, allowing you to seek a reduction in whatever debts remain from a Chapter 7 discharge.

Oct 30, 2014 … Chapter 13 bankruptcy, also called “reorganization” or “wage earner's” bankruptcy, requires debtors to restructure their debts and create a …

you could file for a Chapter 13 repayment plan instead. YOU CAN GET CREDIT AGAIN A bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon …

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A bankruptcy judge approved the sale of Remington’s huge gun factory in Ilion on Wednesday as part of the arms maker’s …