Idaho Bankruptcy Legal Questions

These are huge questions. I would need a lot more information in order to answer accurately. Please understand that bankruptcy is a complicated process. A chapter 13 bankruptcy is extremely complicated. It is wise to talk to an experienced chapter 13 bankruptcy attorney before deciding to take this important step.... Read Answer

The filing of the bankruptcy was a legal "red light" to her creditors to stop collecting the debt. That is what she paid for when she filed bankruptcy. If I look at a traffic light all day I will see drivers run the red light although most obey the "red light" signal and stop. Creditors are the same. Most, if not all, stop. If they do not stop then you must hire a lawyer to be the policeman and punish them when they do not stop. The police services are in addition to what you paid for if you hired an attorney to do the bankruptcy. However, it sounds like the debt may have been collateralized by the furniture purchase in which case the creditor cannot collect the debt but can pursue the furniture as collateral.... Read Answer

Because the debt was discharged in bankruptcy, you owe the debt no longer and the creditor or agent attempting to collect the debt is violating federal law. You should inform the creditor the claim is bogus and may constitute fraud.Your attorney's notice to the creditor should end the matter. I assume that you were both discharged in Chapter 7 bankruptcy and the creditor does not have a claim against either of you.... Read Answer