I currently have a CC (sears) which has a co-signer. I filed BK, but the co-signer has not filed. Can the CC company contact the non-filer for collection of this debt while in the chapter 13 process?
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Chapter 13 filed 1/19/09
341 hearing 2/26/09
Confirmation 3/31/09 -
Is this person really a co-signer who signed forms agreeing to be equally responsible for paying back the debt? Or are they an authorized user - someone who can charge on the card but never signed to be responsible for the debt? It's important to know the difference.Originally posted by 09BKFILER View Post
Authorized users owe NOTHING if you file. A co-signer is as responsible for paying back the debt as you are, so if you file, then a co-signer will be made to pay back the entire balance owed.I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to go
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