Olathe, CO Bankruptcy Law Firms & Lawyers

Question: If the website of my account shows I only have four months left for Chapter 13 five-year plan, does that mean I'm eligible on early discharge? Question Detail: I received a statement from trustee of payments and the balance of "Allowed Claim". One note states that plan must run at least 36 months unless 100% of the "Allowed Claim" has been paid which in four months this will be true. The website for my account shows I only have four months remaining as well. I have been in the plan for 21 months. *- I'd call to confirm that so your case doesn't get accidentally dismissed; however, it can be discharged early if the allowed claim is paid in full PRIOR to the anticipated discharge date by over payment *

Yes, you can file without an attorney but if it doesn't go well it will cost much more to "fix" it. You pay for the skill and knowledge an attorney has to maximize the benefit of a bankruptcy as well as minimize the harm. Most attorneys offer payment plans to make it more affordable.

You are prevented from attempting to collect the money owed by the federal automatic stay. You cannot even call them on the phone. If you do, you could subject your employer to fines from the bankruptcy court. The automatic stay can be lifted upon motion submitted by an experienced bankruptcy attorney and court order. You cannot stop a bankruptcy. At the creditor's meeting, you will be allowed to ask the debtor about their assets and income. It would be best to go to the bankruptcy clerk beforehand and ask to see the debtors file. Make notes about what was listed in the schedules, particularly schedule B, and ask questions like is this asset really worth only X. That is about all you are allowed to do. Asking questions may alert the trustee to something and an appraisal may be ordered. You need to talk about these things with an attorney.