Lemoore, CA Bankruptcy Law Firms & Lawyers

Your lawyer should inform you that, if you obtain a higher paying job before the creditors' meeting, you are expected to tell the trustee & amend your schedules I, Income, & J, Budget, to reflect the new salary. If a reasonable budget no longer consumes your income the US Trustee will attempt to force you into a Ch. 13 repayment plan for at least 3 years.

You can only get a discharge in a Chapter 7 case once every 8 years. If you were "discharged from a Chapter 7 bankruptcy last year," you are not eligible to file a second Chapter 7 now. You should seek legal counsel before you quitclaim the home to your ex husband. Is there equity in the property? Quitclaiming the property to your ex husband does NOT relieve you of your legal obligations under the mortgage. If your husband does not refinance, you will remain legally obligated to pay the mortgage on the home, even after you have quitclaimed the home to your ex.

The facts are too complicated for a site like this. You really need to retain an experienced bankruptcy lawyer. It is somewhat surprising that you did not know that you have to pay new charges which are generated after the bankruptcy discharge on ongoing services, like HOA fees. The way to determine if your QCD put the burden of the HOA charges on the lender, or on FHA, is to review the original condominium agreements, and quite simply to all the lender and/or the FHA office responsible for the obligation and ask themkeeping in mind whatever you discover in the original documents.