Fortunately, if your facts and circumstances change over the years since your Chapter 7 discharge your Woodlands Bankruptcy Attorney can file additional adversary proceedings to continue to pursue discharge without going through an entirely new bankruptcy provided the student loans existed at the time your previous bankruptcy petition was filed. If you have student loans that you received after your last bankruptcy petition was filed then they would not be eligible to be included in this special procedure.

Call The Shea Law Firm at (832) 592-7913 if you need an experienced bankruptcy lawyer.

Related posts:

1. Your Student Loan Can Be Discharged in Bankruptcy!
2. Discharge Your Tax Debt in Chapter 7

The Statement of Intentions applies to all real or personal property you own that serves as collateral for a debt.

For each piece of property you must state:

1. whether you will surrender the property or keep the property;
2. whether you will redeem the property;
3. whether you will reaffirm the debt secured by the property; and
4. whether the property will be claimed as exempt.

If you are not sure how to answer these important questions then speak with a Woodlands Bankruptcy Attorney today about representing you through the bankruptcy process to protect your rights and property.

Follow-Through

You are generally required to follow-through on your intention for each piece of property within 30 days after the first date scheduled for the Meeting of Creditors. If you intend to surrender the property that means being prepared to turn the property over. If you intend to redeem the property that means having the funds necessary to perform the redemption. If you intend to reaffirm the debt that means having a reaffirmation agreement in place with the creditor.

Related posts:

1. Your Duties in Chapter 7 Bankruptcy – Part 5
2. Your Duties in Chapter 7 Bankruptcy – Part 6

Here is what must be taken care of in the first 15 days of your Chapter 7 case. This is the bare minimum, depending on your circumstances additional filings may be required.

1. Filing Fee of $245. This must be paid when your case is filed, unless you file a request for installment payments or a waiver.
2. Administrative fee of $39 and trustee surcharge of $15.
3. Voluntary Petition. Names and addresses of all creditors of the debtor. These documents must be filed WITH the petition.
4. Notice to Individual Debtor with Primarily Consumer Debts under 11 U.S.C. § 342(b). Your Woodlands Bankruptcy Attorney must give you this notice before your case is filed and it must be certified on your original petition or within 15 days.
5. Statement of Social Security Number. This must be submitted with the original petition.
6. Individual Debtor’s Statement of Compliance with Credit Counseling Requirement. Exhibit D must be filed with your petition. The certificate itself can be filed with the petition or within 15 days.
7. Statement of current monthly income. This must be filed with the petition or within 15 days.
8. Schedules of assets and liabilities. This must be filed with the petition or within 15 days.
9. Schedule of executory contracts and unexpired leases. This must be filed with the petition or within 15 days.
10. Schedules of current income and expenditures. This must be filed with the petition or within 15 days.
11. Statement of financial affairs. This must be filed with the petition or within 15 days.
12. Copies of all payment advices or other evidence of payment received by the debtor from any employer within 60 days before the filing of the petition. These must be filed with the petition or within 15 days.

Get Help

The Woodlands Bankruptcy Attorney is here to help you get through the bankruptcy process and protect your rights to the fullest extent. Don’t risk the judge dismissing your case because you missed a deadline. Get help today.

LoneStarBankruptcy.com provides the latest news and information on Chapter 7 and Chapter 13 bankruptcy in the Southern District of Texas. The Federal Bankruptcy Court for the Southern District of Texas covers many communities including: Houston, Spring, Conroe, The Woodlands, Montgomery County, and Harris County. If you need legal assistance with a personal bankruptcy matter speak with a local bankruptcy attorney today.

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