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April 2010 Archives

How Can I Reduce The Payment Owed On My Home?

With the economy in ruins and home prices and values continuing to decline, it is seomtimes possible to "cram down" the debt owed against your home and wither strip off a second mortgage or reduce the payment on a first mortgage within a Chapter 13 bankruptcy.  In a Chapter 13 bankruptcy a debtor is only required to pay the secured value back to the bank.  Here is an example:

How Can I Reduce The Payment Owed On My Home?

With the economy in ruins and home prices and values continuing to decline, it is seomtimes possible to "cram down" the debt owed against your home and wither strip off a second mortgage or reduce the payment on a first mortgage within a Chapter 13 bankruptcy. In a Chapter 13 bankruptcy a debtor is only required to pay the secured value back to the bank. Here is an example:

Can I File Bankruptcy If I Make Over $100,000 Per Year?

A person can absoultely file bankruptcy if they make over $100,000 per year. In most cases, depending on the size of your family, most likely you will need to file a Chapter 13 bankruptcy and pay back a portion of your debt over a three to five year period. The amount that needs to be paid back is based on the discretionary income you would have after paying reasonable expenses for basic needs. Please call us at 859-824-3361 to assist with your high income bankruptcy. 

Can I File Bankruptcy If I Make Over $100,000 Per Year?

A person can absoultely file bankruptcy if they make over $100,000 per year.   In most cases, depending on the size of your family, most likely you will need to file a Chapter 13 bankruptcy and pay back a portion of your debt over a three to five year period.  The amount that needs to be paid back is based on the discretionary income you would have after paying reasonable expenses for basic needs.  Please call us at 859-824-3361 to assist with your high income bankruptcy.

How Many Years Must I Wait Before I Can Re-file Bankruptcy?

In most cases an individual must wait 8 years to file a new Chapter 7 case and 4 years to file a Chapter 13 bankruptcy case.  However, a debtor can file a new Chapter 13 bankruptcy case after two years if the prior bankruptcy was also a Chapter 13 bankruptcy.  The time periods in either case are measured from the commencement dates of the respective cases. The dates of discharge have no bearing on the disqualification.

How Many Years Must I Wait Before I Can Re-file Bankruptcy?

In most cases an individual must wait 8 years to file a new Chapter 7 case and 4 years to file a Chapter 13 bankruptcy case. However, a debtor can file a new Chapter 13 bankruptcy case after two years if the prior bankruptcy was also a Chapter 13 bankruptcy. The time periods in either case are measured from the commencement dates of the respective cases. The dates of discharge have no bearing on the disqualification.

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Gatlin Voelker,PLLC

Gatlin Voelker, PLLC
2500 Chamber Center Dr. Ste. 203
Fort Mitchell, KY 41017

Phone: 859-781-9100
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Call : 859-781-9100