If you have credit accounts in good standing then do not include them in your bankruptcy.
Sure... a good time to do it.
You cannot put IRS in with your bankruptcy. She still owes this bill. I am speaking from experience, I still owe them 5k after bankruptcy.
== == NO, you have to turn in any credit cards and include the credit card debts in the bankruptcy. You can't pick and choose what debts you are going to include.
Yes you can
Ask your attorney, but many judges would consider this intentional fraud and may disallow the credit cards as part of the bankruptcy. It is certainly not honest to buy things knowing you don't intend to pay as agreed.
Get a copy of all three credit reports. The addresses and/or phone numbers of all your creditors should be listed on the report. You should also include the addresses listed on your statements so that in case your credit report has an error your creditor will still get notice of your bankruptcy.
Debts included in the bankruptcy should be noted as such in the credit report. The bankruptcy will remain on the credit report for ten years.
Not if the debt was discharged in the bankruptcy. If the judgment was on the credit report before the bankruptcy was filed and/or was discharged in the bankruptcy, the entry will still remain on the CR for seven years.
Yes, you can still get a loan even if you have bad credit from a bankruptcy. Everyone deserves a second chance.
You have to, it is a debt...it is just a secured debt...by the lien on the property.
Normally the bankruptcy will remain on your report for 10yrs. The longer it is on your report the less impact it has on your score, although still an eye soar to potential creditors. I would recommend establishing one or two cards to build up your credit. Orchard Bank and First Premier are two of the easiest approval cards. Also, I would recommend establishing a secured loan with a small credit union that report to the 3 credit agencies. On the credit card(s) try to keep the balances below 35% if the credit line. A good credit score is also based on various types of credit, not just revolving credit (Credit Cards).