The term does not include acts of medical diagnosis or the prescription of therapeutic or corrective measures.
If I am going through a divorce how will my ex-spouse filing bankruptcy affect me? Bankruptcy is a legal proceeding in which an individual who cannot pay his or her bills can get a fresh financial start.
The right to file for bankruptcy is provided by federal law, and all bankruptcy cases are handled in federal court.
What Can Bankruptcy Do for Me? Bankruptcy may make it possible for you to: Eliminate the legal obligation to pay most or all of your debts. It is designed to give you a fresh financial start.
Bankruptcy does not, however, automatically eliminate mortgages and other liens on your property without payment. Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed. Stop wage garnishment, debt collection harassment, and similar creditor actions to collect a debt.
Restore or prevent termination of utility service. Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe. Back to Top 3. How can I get a copy of a bankruptcy filing?
Back to Top 4. Bankruptcy cannot, however, cure every financial problem. Nor is it the right step for every individual. In bankruptcy, it is usually not possible to: Common examples are car loans and home mortgages.
You can force secured creditors to take payments over time in the bankruptcy process and bankruptcy can eliminate your obligation to pay any additional money if your property is taken.
Nevertheless, you generally cannot keep the collateral unless you continue to pay the debt Discharge types of debts singled out by the bankruptcy law for special treatment, such as child support, alimony, certain other debts related to divorce, some student loans, court restitution orders, criminal fines, and some taxes.
When a relative or friend has co-signed a loan, and the consumer discharges the loan in bankruptcy, the cosigner may still have to repay all or part of the loan. Back to Top 5. How often can I file bankruptcy? You cannot receive a discharge in a Chapter 7 case if you received a discharge under a Chapter 7 case filed in the last eight years or a Chapter 13 filed in the last six years.
You cannot receive a discharge in a Chapter 13 case if you received a discharge under a Chapter 7 case filed in the last four years or a Chapter 13 filed in the last two years.
There are four types of bankruptcy cases provided under the law: It requires a debtor to file a plan to pay debts or parts of debts from current income. Most people filing bankruptcy will want to file under either chapter 7 or chapter Either type of case may be filed individually or by a married couple filing jointly.
Back to Top 7. In a bankruptcy case under chapter 7, you file a petition asking the court to discharge your debts.
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You cannot receive a discharge in a Chapter 7 case if you received a discharge under a Chapter 7 case filed in the last eight years or a Chapter 13 filed in the last six years. Delegation strategies for the NCLEX, Prioritization for the NCLEX, Infection Control for the NCLEX, FREE resources for the NCLEX, FREE NCLEX Quizzes for the NCLEX, FREE NCLEX exams for the NCLEX, Failed the NCLEX - Help is here.
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