Florida Bankruptcy Chapter 7 Legal Questions

Dear Ms. Krapf: You are correct that there is an eight year waiting period for one to file another Chapter 7 bankruptcy.  The time runs from the date you filed for bankruptcy not the discharge date.     That you filed together with your ex- husgand and now wish to file separately should not affect the time period, but the best thing you can do is talk to an attorney who specialized in bankruptcy in case there are any exceptions to the rule. Depending on the terms of your settlement agreement or trial (if you did not settle the divorce case) there may be issues as to whether any of the debts you seek to discharge will be  actually dischargeable in the bankruptcy if your ex is still liable on them as well.  However, absent review of the settlement/final judgment, there is no way to know for sure.  You should just be aware of that and discuss it with a bankruptcy attorney and/or a family law attorney.    Best of luck, Cindy S. Vova Law Offices of Cindy S. Vova, P.A. Broward/Miami-Dade:  954-316-3496 Boca Raton/Palm Beach: 561-962-2785... Read More

Yes, you can keep them out of bankruptcy because they have no equity. If SSDI is your only income you don't have to go bankrupt because creditors cannot take social security benefits. Your credit would remain ruined and creditors may continue to bug you but that's it. If you want to know about protections from debt collectors, i.e. bugging you, google federal trade commission, consumerfinance.gov and myfloridalegal.com Look for information about debt collectors or debt collection.... Read More