Good Morning, Everyone!
I'm a newbie from Dallas, TX.
My husband and I are in the process of filing a Chapter 7. We passed the Means Test and we will be taking the Pre-Filing Class later on this morning.
I have a few questions....
1) Were any of your scared of filing Chapter 7 pro se? I'm a bit nervous and I don't wanna screw it up.
2) I know my student loans can't be discharged (sucks), but can the interest be discharged?
3) We have two cars. We have a 2002 Chevy Cavalier (paid for) and a 2011 Hyundai Sonata GLS (financed, but will surrender it). Will we have to give up the paid-for car?
4) We're renting an apartment, but we're current on the lease. How will the BK filing affect our lease?
5) My husband pays Child Support and is NEVER LATE. It's deducted from his wages. Seeing that he's current, does he still have to list it?
6) I see a Schedule that says "Co-Debtors". As Texas is a Community Property State, it says we have to list former spouses within the last 8 years. I have been divorced since 2001, so this does not apply to me. However, my husband divorce was in 2012. Does he still have to list her even though they never had any debts together? Everything from that marriage was in HIS name only or in HER name only.
7) How do you guys value you assets? We don't have a whole lot, but I bought a viola on eBay for $50. How will I value that? Do I have to give it up?
8) Did anything happen with y'all's bank accounts? We bank with Wells Fargo and we would like to keep them. I also bank with Inwood National Bank and I would like to keep it as well.
9) I tried to start a business years ago, but I never got it off the ground and never made any money at all. Do I have to list it? It was a sole proprietorship.
Thank you for being patient with me and thanks for your answers!
I'm a newbie from Dallas, TX.
My husband and I are in the process of filing a Chapter 7. We passed the Means Test and we will be taking the Pre-Filing Class later on this morning.
I have a few questions....
1) Were any of your scared of filing Chapter 7 pro se? I'm a bit nervous and I don't wanna screw it up.
2) I know my student loans can't be discharged (sucks), but can the interest be discharged?
3) We have two cars. We have a 2002 Chevy Cavalier (paid for) and a 2011 Hyundai Sonata GLS (financed, but will surrender it). Will we have to give up the paid-for car?
4) We're renting an apartment, but we're current on the lease. How will the BK filing affect our lease?
5) My husband pays Child Support and is NEVER LATE. It's deducted from his wages. Seeing that he's current, does he still have to list it?
6) I see a Schedule that says "Co-Debtors". As Texas is a Community Property State, it says we have to list former spouses within the last 8 years. I have been divorced since 2001, so this does not apply to me. However, my husband divorce was in 2012. Does he still have to list her even though they never had any debts together? Everything from that marriage was in HIS name only or in HER name only.
7) How do you guys value you assets? We don't have a whole lot, but I bought a viola on eBay for $50. How will I value that? Do I have to give it up?
8) Did anything happen with y'all's bank accounts? We bank with Wells Fargo and we would like to keep them. I also bank with Inwood National Bank and I would like to keep it as well.
9) I tried to start a business years ago, but I never got it off the ground and never made any money at all. Do I have to list it? It was a sole proprietorship.
Thank you for being patient with me and thanks for your answers!
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