SkankCheese
Member
What is the name of your state? North Carolina
Just a few questions. I am about to file a Chapter 7, pro se, and want to make sure I am doing everything right.
Firstly, I have 2 bounced checks that I have not yet paid off. Am I able to claim these as debts, and have them discharged? Can I also include a payday loan/cash advance thing?
I have no real assets, such as a house, real estate, large (or ANY) sums of cash, no big ticket items in the apartment, etc. The one thing I am concerned about is my car. I traded mine in the other month and ended up having to roll extra money into the new(used) one. I don't want to give the car up, and have no issues about continuing the payments as they are. I know that legally I still have to claim this on my filing though. Do I have to reaffirm this debt, or can I just continue making the car payments- as before- without worrying that they're going to come take my car away- without having to do the technical reaffirmation? It's worth about $13k, and I owe $20k on it. I assume they'll get notification as they are listed as one of my creditors, but I want everything with them to stay the same as it is now.
Some of my unpaid things have gone to collections. Do I list the collection agency, or who the debt is originally with, on the Matrix?
Last question...
In the Executory Contracts and Unexpired Leases schedule, I assume that I have to list my apartment rental there. Is this correct? Also, do I need to list my cellphone and gym membership? Will this harm any of them?
Thanks!
Just a few questions. I am about to file a Chapter 7, pro se, and want to make sure I am doing everything right.
Firstly, I have 2 bounced checks that I have not yet paid off. Am I able to claim these as debts, and have them discharged? Can I also include a payday loan/cash advance thing?
I have no real assets, such as a house, real estate, large (or ANY) sums of cash, no big ticket items in the apartment, etc. The one thing I am concerned about is my car. I traded mine in the other month and ended up having to roll extra money into the new(used) one. I don't want to give the car up, and have no issues about continuing the payments as they are. I know that legally I still have to claim this on my filing though. Do I have to reaffirm this debt, or can I just continue making the car payments- as before- without worrying that they're going to come take my car away- without having to do the technical reaffirmation? It's worth about $13k, and I owe $20k on it. I assume they'll get notification as they are listed as one of my creditors, but I want everything with them to stay the same as it is now.
Some of my unpaid things have gone to collections. Do I list the collection agency, or who the debt is originally with, on the Matrix?
Last question...
In the Executory Contracts and Unexpired Leases schedule, I assume that I have to list my apartment rental there. Is this correct? Also, do I need to list my cellphone and gym membership? Will this harm any of them?Thanks!
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