If you are able to file a Chapter 7 to eliminate unsecured debt, then any outstanding utility bills can be included and eliminated as well. Similarly, if you are paying a reduced amount to your unsecured creditors in a Chapter 13, the Utility Companies can be treated the same way.
Chapter 7
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How do you decide if Chapter 7 or Chapter 13 bankruptcy is best?
Chapter 13 Bankruptcy can be used to pay missed mortgage or car payments over time
When can you file for bankruptcy after a previous discharge?
Federal laws do limit what kind of bankruptcy you can file based on your economic circumstances and also how frequently you can file.
Why do you need to pass a means test for Chapter 7 bankruptcy?
There are many different kinds of bankruptcy, but the average individual will likely choose between Chapter 13 bankruptcy and Chapter 7 bankruptcy. Both of these forms will provide an automatic stay to temporarily stop collection activity. If successful, both Chapter...
Bankruptcy after a divorce may help gray divorcees
Sometimes, going through your divorce first is the right option, so that you can see if you end up with debts that you may have shared with your spouse or that your spouse created in their own name while married. The financial devastation that a divorce can cause is hard to recover from at such a late age, but a bankruptcy could offer a helpful solution.
CAN I ELIMINATE TRAFFIC FINES IN BANKRUPTCY IN NEW JERSEY?
Certain types of claims, such as child support, student loans and other things as well as fines are not dischargeable…However, it is worth noting that in New Jersey, surcharges can be discharged
You have to choose your exemptions in a Chapter 7 bankruptcy
You have to provide information to the courts about your assets, and they have the authority to order you to use some of your property to repay your debts. However, that only happens in rare occasions when you cannot exempt all of your assets.
Moratorium On Utility Disconnections is Ending
The pandemic led the Governor of New Jersey to place a moratorium on foreclosures and evictions during the pandemic. In addition, Governor Murphy signed into law Order 229 which prohibited public and private electric gas and water utilities from disconnecting because...
Know these two important bankruptcy laws when you file
If you are filing for bankruptcy, it is important to know the different laws that are in place to help you. One of those is The Fair Debt Collection Practice Act, or FDCPA. The other is that you may not end up having all of your debts discharged in bankruptcy because...