Refinance mortgage: July 2006 SHOPPING SUPER MALL: Like Us On FaceBook FHA Loan Guidelines 2014 | fha refinance requirements 2014 Refinancing a home loan using a FHA mortgage is an excellent option for homeowners with low credit or low equity, and it is important for those interested in refinancing to keep up to date with the FHA’s latest home refinancing requirements and regulations.
chapter 7 bankruptcy has a filing fee of $335, but if you can show that your income is below a certain threshold, you may be able to waive the filing fee and file for free. If you file a Chapter 13, you cannot waive the filing fee, but you might be able to pay it in installments.
· Small businesses can fail for a variety of reasons, and many of these failing businesses find themselves faced with deciding if they should file for bankruptcy protection. Bankruptcy is a process you go through in federal court and is designed to help your business eliminate or repay its debt under the guidance and protection of the bankruptcy court.
· Basics: A Chapter 7 bankruptcy will discharge most types of unsecured debt. The trustee will try to sell any significant nonexempt property in order to repay your creditors. Basics: In Chapter 13 bankruptcy, you repay your creditors (some in full, some in part) through a chapter 13 repayment plan.
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Bankruptcy doesn’t clear: Student loans; Government debts like taxes, fines or penalties; Child support and alimony; expensive items purchased right before filing bankruptcy like cars, boats, or jewelry; When you file for bankruptcy, creditors have to stop any effort to collect money from you, at least temporarily.
Filing an income tax return after filing for bankruptcy does not have to be a problem, as long as you know what to watch out for, including when and how to file. “People that file bankruptcy have to make sure that there are a few things taken care of when it comes to filing their taxes,” said Joshua S. Barger, vice president of tax services.
If you are filing a Chapter 13 bankruptcy then you should provide them with the last 4 years of state and federal tax returns. If you have not filed tax returns for several years, then provide the trustee with the last filed federal and state tax return.
Pre-bankruptcy Counseling. A pre-bankruptcy counseling session with an approved credit counseling organization should include an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan. A typical counseling session should last about 60 to 90 minutes, and can take place in person,