Millerton, NY Bankruptcy Law Firms & Lawyers

You must list all assets and all debts in any bankruptcy case.  A failure to do so is grounds for denial of your discharge and, in egregious cases, criminal prosecution. I'm not completely sure what you mean by "put...on my bankruptcy".  If you're asking whether or not certain loans are dischargeable, that depends on the time of loan and how it was incurred. Debts incurred through fraud are not dischargeable in bankruptcy, as an example. However, most loans if not incurred through fraud or misrepresentation, are dischargeable in bankruptcy, including pay day loans (if that's what a one-day loan is). Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.  

The house will pass to heir(s) in accordance with the terms of your Will, if any. If you do not have a Will, the house will pass according to the statute on descent and distribution. A living spouse will receive an interest (50%) and the children will divide the remainder. Any mortgage securing the property will continue to encumber the property. Most mortgages have a due on sale clause that will allow the lender to force the sale of the house or refinance of the mortgage in order to pay off the mortgage when the original mortgagee no longer owns the house. When the lender discovers that you passed away, the lender will require the mortgage to be paid off. The heirs will have to make necessary arrangements or lose the house.

Trying to file bankruptcy without a lawyer is a huge mistake. There are a myriad of factors that go into the decision as to which chapter you should file under.