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    #1

    Help!!!!!

    HELLO,
    My husband and I were discharged about two months ago. Some stuff has happend and we have dept all over again. Medical Stuff!!!!

    I am wondering if there is any way to stop my bankruptcy and start over again. My husband and I feel it would be well worth it. Please if anyone knows let me know.

    Thank You
    Tags: None
    #2
    There are laws in effect to prevent serial filings.
    *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

    My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

    Comment

      #3
      Our attorney told us that once discharge took place we could not add further debts. If the debts were incurred after you filed you may not be able to add them to current bk.

      Comment

        #4
        Once you're discharged, there's no going back to add Creditors. And with the New Law, you'll have to wait 8 years to file Ch 7 again.

        You might Consult with a few attnys and see if your Medical bills could be placed into a Ch 13 payment plan. Maybe that would help you out??!!
        Filed Ch 7 - 09/06
        Discharged - 12/2006
        Officially Declared No Asset - 03/2007
        Closed - 04/2007

        I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

        Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

        Comment

          #5
          I don't think the court would look highly on, hey wait a minute, we need to rack up some more medical bills to file BK on. I sympathize with you, but you will probably need to file a chapter 13 this next time. Not sure on how long you have to wait to file one.

          Is there any clinics you can go to which charge based on income?
          Chapter 13 Filed 4/03/06 :blink: 341 Meeting Complete 5/11/06 :yes2:
          Plan Confirmation 6/16/06 :yahoo:
          Discharged: 1/5/2010 :yahoo::yahoo::yahoo::yahoo:

          Comment

            #6
            Possibly the only option open to you is a Chapter 13 and it may be too soon to be able to file it......

            Suggestion - contact your creditor of the medical bills and work out a payment plan that is in your budget.... Explain too them that you have recently filed bankruptcy and your situation and that you have every intent of paying them if they will work with you.

            Many times just a little paid each month towards a debt will solve the problem..... just be deligent about it.....
            Minny

            "It's amazing the paths that our feet sometimes follow in life".

            My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.

            Comment

              #7
              Our case isn't closed so could we just stop the bankruptcy and start again????

              Comment

                #8
                Also can you include debt that occured between the file date and discharge??

                Comment

                  #9
                  Once discharged you can't add...
                  And you said you are discharged. It's almost like being done as far as the creditors are concerned.
                  Filed: March 29, 2006
                  341: April 21, 2006
                  Discharged: June 28, 2006
                  Closed:July 18, 2006:yahoo: :clapping: :yahoo: :clapping:

                  Comment

                    #10
                    And you do not wanna stop your BK from closing.

                    You loose the protection of the automatic stay (if it's still in effect post discharge), none of your previous debts will be discharged so those creditors will be back on you hot and heavy, you'll have the new problems to deal with, and no recourse to file again to protect yourself.
                    Filed Ch 7 - 09/06
                    Discharged - 12/2006
                    Officially Declared No Asset - 03/2007
                    Closed - 04/2007

                    I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

                    Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

                    Comment

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