Trailer Estates, FL Bankruptcy Law Firms & Lawyers

If you filed 9 years ago, there is no time bar to prevent you from filing another chapter 7 or any other consumer chapter of bankruptcy. Given the bare circumstances you outline, I expect that you would be eligible for another Chapter 7 to discharge your credit card debt. Of course, a more complete picture of your debts and assets is needed to make a solid determination.

I have never seen a creditor without an attorney succeed in getting a judgment against a debtor in an adversary proceeding. You need an experienced bankruptcy attorney to tell you if you have a good case.

Virtually no creditors show up at ? 341 hearings. It is a good place to ambush a debtor with questions. Most creditors who are serious about objecting to discharge will schedule an examination pursuant to Bankruptcy Rule 2004. Seeking an extension of time to object to discharge will keep the period open. Your attorney should object to the extension. Sometimes such an objection is successful, sometimes it is not. At this point, there is nothing else that you can do except make absolutely sure that everything on your schedules is correct and you are not missing anything. If so, they need to be amended, now, before anyone discovers the error. Bankruptcy schedules are arcane and confusing. It is easy to miss something because the question is not asked clearly. For instance, any unliquidated owing to the debtor can be a tax refund, a personal injury claim, or something else. If you do not know what is being asked, it is difficult to give a correct answer.