How to File for Chapter 7 Bankruptcy

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Author: Stephen Elias

ISBN-10: 1413310605

ISBN-13: 9781413310603

Category: Bankruptcy Law

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Find debt relief by filing bankruptcy with this all-in-one-book!If you have more debt than you can possibly pay off, the bankruptcy system is there to help -- and with How to File for Chapter 7 Bankruptcy, you'll find the clear and user-friendly information, advice and forms you need to get through the entire process.The 16th edition is revised to include the most recent forms and figures, changes to state exemption laws (which determine what property bankruptcy filers may keep), and the latest court decisions. Please note: This book does not cover business bankruptcies, farm reorganizations or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's Chapter 13 Bankruptcy. Newsweek "How to File for Chapter 7 Bankruptcy advises on everything from how to file court papers to how to respond to threats from creditors.... A do-it-yourself bankruptcy book for people who can't afford expensive lawyers."

I. IntroductionHow to Use This BookWhat This Book Doesn't CoverIf You Need More HelpThe New Bankruptcy Law: A Work in Progress1. Should You File for Chapter 7 Bankruptcy?Bankruptcy in America: The Big PictureAn Overview of Chapter 7 BankruptcyWho Can File for Chapter 7?Does Chapter 7 Bankruptcy Make Economic Sense?Alternatives to Chapter 7 Bankruptcy2. The Automatic StayActions Prohibited by the StayWhen the Stay Doesn't ApplyEvictions3. Your Property and BankruptcyProperty in Your Bankruptcy EstateProperty That Isn't in Your Bankruptcy EstateProperty You Can KeepProperty Exemption WorksheetSelling Nonexempt Property Before You File4. Your HouseHow Bankruptcy Affects a Typical HomeownerIf You're Behind on Your Mortgage PaymentsWill You Lose Your Home?Ways to Prevent the Loss of Your House5. Secured DebtsSecured DebtsWhat Chapter 7 Bankruptcy Does to Secured DebtsWays to Deal With Secured Debts in BankruptcyChoosing the Best OptionsStep-by-Step Instructions6. Complete and File Your Bankruptcy PaperworkGather the Necessary DocumentsGet Some Information From the CourtFor Married FilersRequired Forms and DocumentsForm 1 -- Voluntary PetitionForm 6 -- SchedulesForm 7 -- Statement of Financial AffairsForm 8 -- Chapter 7 Individual Debtor's Statement of IntentionForm 21 -- Statement of Social Security NumberForm 22A -- Statement of Current Monthly Income and Means Test CalculationForm B201: Notice to Individual Consumer Debtor Under § 342(b) of the Bankruptcy CodeMailing MatrixHow toFile Your PapersAfter You File7. Handling Your Case in CourtRoutine Bankruptcy ProceduresAmending Your Bankruptcy PapersFiling a Change of AddressSpecial Problems8. Life After BankruptcyNewly Acquired or Discovered PropertyNewly Discovered CreditorsPostbankruptcy Attempts to Collect DebtsAttempts to Collect Clearly Discharged DebtsAttempts to Revoke Your DischargePostbankruptcy DiscriminationRebuilding Credit9. Which Debts Are DischargedDebts That Will Be Discharged in BankruptcyDisputes Over Dischargeability10. Help Beyond the BookDebt Relief AgenciesBankruptcy Petition PreparersBankruptcy LawyersLegal ResearchGlossaryAppendixes1. State and Federal Exemption Tables2. Worksheets and Charts3. Tear-Out FormsIndex