Beautifulday

If the links work - here is some info on the issue in your state:

In re Murdock, 547 B.R. 475 (Bankr. S.D. Ga. 2015)

https://www.leagle.com/decision/inadvbco160603000068

and

In re Gilbert, 526 B.R. 414 (Bankr. N.D. Ga. 2015)...

In Chapter 7 cases the Clerk in my district sends out the first deficiency notice about a week after the case is filed. Technically, I think the 2nd certificate is due after the 341 but, those Clerks just don't want folks to forget.

Des....

This notice pertains to the second class which is called a "financial management class".

Des....

If you disclosed your prior filings on the Petition then there is nothing for you to do. The electronic filing system, which is a national database, picks up on all prior bks under a particular SS number and makes a general entry on the docket. This assists others in determining if you are entitled...

There is some additional information - additional from the post on the other forum. On the other forum I questioned whether or not you had waited 8 years from the filing date of your 2012 case. Apparently you file the 2012 Chapter 7 in February, 2012. As a result, assuming all goes well, you are...

The Chapter 7 Discharge will not remove any mortgage lien against the property. If you want to keep the property you need to continue to service all mortgages. This includes the HELOC.

You can try to settle with the lender for something less than what is owed but the lender does not have...

I am assuming you are inquiring about the following:

My wife and I owe taxes. The taxes meet the test to be discharged in bankruptcy. If I file bk but my wife does not, will the discharge protect her from collection of the taxes?

If these taxes meet the test to be discharged,...