Eustis, FL Bankruptcy Law Firms & Lawyers

Normally, the answer is "yes". If you can afford to make the payments and you otherwise meet the bankruptcy requirements, then yes. Talk to an attorney who can look at your situation.

That is a total lie! A lender may need proof of how you have made your mortgage payments which will not appear on your consumer credit report in order to consider you for a loan but that issue can be easily resolved by ordering an account history from the mortgage lender.

The dischargeability of taxes in bankruptcy is very complicated. In your situation, from the facts you have presented, it looks like all that tax debt would be discharged if you file Chapter 7. The first rule for dischargeability is that the taxes have to have been due for at least 3 years when you file the bankruptcy. You have met that rule. The next rule is that the tax returns have to have been filed at least 2 years before the filing of the bankruptcy. You have met that rule. As long as the taxes have not be re-assessed within the last 240 days, and the IRS doesn't have reason to argue that you filed fraudulent returns or have been evading the tax liabilities, you could file Chapter 7 and discharge those tax debts.