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How Much Time Does It Take to Complete a Chapter 7 Bankruptcy?

A Chapter 7 bankruptcy begins upon filing a bankruptcy petition. Once the petition is filed, the court will issue a case number and an automatic stay is invoked. The automatic stay prohibits creditors… Read More
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What is a Confirmation Hearing in a Chapter 13 Bankruptcy?

The confirmation hearing is a date set by the court to approve the plan. When filing Chapter 13 bankruptcy two dates are set for hearing. The first is the 341 hearing also known as the First Meeting o… Read More
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Debts Discharged in Bankruptcy

An issue that frequently confuses clients is what debts are actually discharged in bankruptcy. This issue arises because all debts or liabilities a client has must be schedules on the Debtors’ petit… Read More
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What Documents Will I Need to File Chapter 13 or Chapter 7 Bankruptcy?

In order to prepare a petition under Chapter 13 or Chapter 7 bankruptcy, the client will need to provide certain documents. Although each case is different some of the typical documents needed are as… Read More
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Can the Government Take My Tax Refund?

If you owe the government money (social security overpayment, student loans, etc. . . ) and they owe you a tax refund, the government can keep your tax refund to satisfy part of the debt you owe.  Th… Read More
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Can I keep my tax refund in Chapter 13 bankruptcy?

Whether you can keep your tax refund in Chapter 13 bankruptcy depends on several factors. As a general rule you must turn over your federal tax refunds to your chapter 13 bankruptcy plan every year yo… Read More
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Things to take into account in deciding between filing Chapter 7 or 13 Bankruptcy

In deciding between Chapter 7 or 13 bankruptcy one needs to consider several factors. Eligibility to file Chapter 7 or 13 is the main consideration. For example if your income is above the median inco… Read More
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Can my creditors object to my filing Chapter 7 bankruptcy?

Creditors can object to a bankruptcy although as a practical matter most creditors do not object. A creditor must have a valid reason under the code to file an objection. In order to object to its deb… Read More
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Can I amend my bankruptcy filing at any time?

YES. The documents you file with the bankruptcy court, including the petitions, schedules, Statement of Financial Affairs, etc. are signed by you under oath. Meaning you affirm, by signing your bankru… Read More
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Are retirement plans exempt in bankruptcy?

MICHIGAN BANKRUPTCY ATTORNEYS Bankruptcy affords protection for retirement plans. If you have a 401k, 403B, IRA or other pension plan, this asset should be exempt if you file bankruptcy. An IRA is… Read More
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