chapt 7 questions

[gemster]

1. If a debt is non dischargeable (like govt backed student loan) do you still list it on petition?

2. It is my understanding that there is a way to dischage old tax bills (IRS & State tax) if they were filed time & they are over 3 years old - is this correct - if so, what do you do on the petition? Will they still be listed as priority and if so - will they definitely be discharged in a 7?

3. If you have a number of debts that have already been assigned to a collection agency - who do you give notice to - the creditor, the agency or both

4. Is there a law limit on a debt you can not list - I have in excess of 30 k in debt - but 10 creditors are very small $25 - $100 - do I just them anyway?

5. Can I discharge an $86.00 parking ticket?

Anyone that can offer some help - it would be so appreciated. G

[HHM]

1. If a debt is non dischargeable (like govt backed student loan) do you still list it on petition?

2. It is my understanding that there is a way to dischage old tax bills (IRS & State tax) if they were filed time & they are over 3 years old - is this correct - if so, what do you do on the petition? Will they still be listed as priority and if so - will they definitely be discharged in a 7?

3. If you have a number of debts that have already been assigned to a collection agency - who do you give notice to - the creditor, the agency or both

4. Is there a law limit on a debt you can not list - I have in excess of 30 k in debt - but 10 creditors are very small $25 - $100 - do I just them anyway?

5. Can I discharge an $86.00 parking ticket?

Anyone that can offer some help - it would be so appreciated. G

1. Yes
2. Speak to an attorney about this; yes it is true, but there are a few more requirments, (1) you must have filed the tax return, (2) and the debt must not have gone to Tax Levy.
3. Both
4. No
5. Probably not.

[gemster]

Thank you - 1 follow up

Thank you

With respect to the IRS - if it is listed (and all of the conditions for discharge are met - timely/no levy) - is it any different than any other debtor - or can they challenge it?