After Bankruptcy

Filing for bankruptcy is one challenge. Making the most out of your fresh start is another. We help you maximize your new lease on life.

Debt Collection After a Bankruptcy Discharge

A bankruptcy discharge order permanently forbids creditors to try to collect discharged debt. Some creditors and collection agencies try to collect debt despite a bankruptcy court order telling them to stop. Phone calls and letters for discharged debt are illegal collection practices. Not all collection phone calls are illegal, and some types of debt can be collected after bankruptcy. We’ll help you recognize the difference and learn how to stop debt collectors that violate a bankruptcy court order.

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What If I Have a Car Accident During My Chapter 7 Bankruptcy Case?

Getting into a car accident during a Chapter 7 bankruptcy can make an already stressful situation even more stressful. You may be worried about whether you can keep insurance proceeds or whether you will owe money for the accident. This article will discuss those concerns and what happens after a car accident after filing bankruptcy.

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A Guide to Securing a Personal Loan After Bankruptcy

Filing bankruptcy gives you a fresh start, but what if you need to secure a loan after your discharge has been entered? While you're still at the mercy of lenders and financial institutions, getting a loan is not impossible. Guest Contributor Alicia Grayson has put together this short guide on everything you need to know about getting a post-bankruptcy loan.

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How can a trustee find out about an inheritance?

The Bankruptcy Code provides that an inheritance the filer becomes entitled to receive in the 180 days after their case is filed has to be turned over to the bankruptcy trustee so it can be paid to creditors. This article will explore why this rule exists, how it works exactly, and why it’s never a good idea to try and hide things from the trustee.

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Receiving Credit and Other Offers After Filing Chapter 7 Bankruptcy

Court cases and documents filed in court are part of the public record. The same holds true for bankruptcy cases. As a result, companies searching the court records will know that you filed for bankruptcy and will start sending you advertisements in the mail offering you their services, including offers to apply for credit. However, before you accept that offer for a new credit card or car loan, continue reading to learn what you need to consider and what your best options are.

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How Long After Filing Bankruptcy Can I Buy a House?

Many people are concerned that filing bankruptcy will prevent them from buying a house in the future. The truth is, filing bankruptcy doesn’t prevent you from buying a house. A bankruptcy filing can be your first step toward homeownership. Many real estate agents and mortgage brokers have relationships with bankruptcy attorneys. In some cases, you don’t even have to wait until your bankruptcy is over before buying a home.

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Why can’t I login to my account to pay my car loan anymore?

After a bankruptcy filing, some creditors block you from logging in to your account. This becomes a problem if you want to keep your car and need to make your payment. Unfortunately, there isn’t much consistency among lenders on when and why they do it. They say it’s because they don’t want to violate the automatic stay. Unfortunately, what it really does is make it much harder for the filer to make their payment. 

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What to do if your income increases after filing Chapter 7 bankruptcy

The first thing you should do is give yourself a high five. Whether you found a new job or got a raise in your old job, getting paid more this week than last week is always a good thing! If you’re a few months into your case, then you don’t have to do anything. If it changed shortly after your case was filed, wait for the creditors’ meeting and let the trustee know during the meeting that your income has changed. Depending on how much it changed, they may say don’t worry about it or request that you file updated forms. 

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I had a car accident after filing a Chapter 7 bankruptcy. What do I do now?

While a property settlement from the insurance company may have to be paid to the trustee, any personal injury settlement you’re entitled to as a result of the accident is yours to keep. This article will explore what steps to take if you get in a car accident after filing a Chapter 7 bankruptcy.

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What bills do I have to keep paying after filing a Chapter 7 bankruptcy?

One of the biggest benefits of filing bankruptcy is the automatic stay that goes into effect as soon as the case is filed. It means that your creditors (those you owe a debt) are not allowed to keep asking you for money. But, just because you don’t have to pay your debts after filing bankruptcy, you’ll still have some expenses to pay going forward. This article will explore what kind of bills a person filing Chapter 7 bankruptcy has to pay even after their case is filed.

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What is an Adversary Proceeding in Bankruptcy?

An adversary proceeding is a like a lawsuit that takes place as part of the bankruptcy case. Adversary proceedings are generally the most complicated part of a bankruptcy proceeding, but they don't happen in every case.

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What is post petition debt?

This article will explain what “post-petition” means, what post-petition debt is, the difference between post-petition debt and debts you simply forgot to include in your bankruptcy forms, the effect of your discharge on post-petition debt and whether the timing of the discharge affects the new debt.

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How to Fix a Mistake on your Bankruptcy Forms After Filing

When you file for bankruptcy and submit your forms you testify under oath that your forms are true and correct. If your [bankruptcy forms](https://upsolve.org/learn/chapter-7-bankruptcy-forms-explained "bankruptcy forms") have inaccuracies and you don’t fix your mistake, the Bankruptcy Court may assume that you’re purposely trying to hide information. Making an amendment to your forms is simple and shows the Court that you made a mistake.

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Can I get a mortgage after chapter 7 bankruptcy?

Yes, you can get a mortgage after a chapter 7 bankruptcy. Lenders have their own requirements and waiting periods.

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A Guide to Leases in Bankruptcy

A lease is an agreement between a lessor and lessee, usually involving rental property or a vehicle. Learn how to deal with your lease in a bankrutpcy so there are no unexpected surprises!

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What does it mean that my debts have been discharged and what should I do now?

A discharge order that tells your creditors they are forever prohibited from asking you to pay your pre-bankruptcy debts ever again.

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Chapter 7 Discharged. Now what?

Monitor your credit report, stick to a budget, live within your means, rebuild your credit and live your life with a fresh start!

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How Long Does Bankruptcy Stay on My Credit Report?

Most people who file for bankruptcy are looking to build healthier financial futures. So, it’s only natural that bankruptcy filers often worry about how bankruptcy affects their credit report and FICO score. One of the most common questions a bankruptcy attorney hears is “How long will the bankruptcy stay on my credit report?” How long bankruptcy stays on your credit report depends on which type of bankruptcy you file.

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How to Get a Reaffirmation Agreement in Chapter 7 Bankruptcy?

A reaffirmation agreement is a binding contract, and as such you should give careful consideration to the costs and benefits prior to entering into one.

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Why do Bankruptcy Cases get Dismissed?

There are three main reasons for dismissal; you do not meet the eligibility requirements to file, there was a procedural error, or the case involves fraud or was filed for fraudulent purposes.

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Can Bankruptcy Stop Eviction?

Yes, bankruptcy can stop an eviction temporarily in most cases, but will not stop an eviction in the long term.

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3 things you should know about the personal financial management course

Every individual seeking bankruptcy relief must complete two educational courses: The credit counseling course is completed before the bankruptcy petition is filed with the court. The second course, on the other hand, can’t be completed until after the case has been filed. Without completing both courses, a bankruptcy filer cannot get their bankruptcy discharge. Here are 3 things you should know about the personal financial management course, including how it's different from credit counseling.

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If I win a lawsuit after my bankruptcy, will I be able to keep my money?

If you file for Chapter 7 bankruptcy, the law of your state will determine whether you can keep the money from a lawsuit—but be prepared to give it up unless your state exemption law specifically says that you can keep the award.

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Can I get a credit card after filing for bankruptcy?

It's a myth that people won't be able to get a credit card after they file for bankruptcy. 

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What to do if a creditor is harassing me after my discharge?

Creditors are not allowed to do this unless the judge told them that they could at some point during your bankruptcy process. Check the "Notice of Discharge" that you received at the end of your bankruptcy process.

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What happens to my automatic stay if my case is dismissed?

*__The automatic stay will not go back into effect until the judge grants your motion to re-instate the case.__*

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Can I Buy a House After Bankruptcy?

There are multiple financing options available to buyers post-bankruptcy. The most important step is to make the most of your waiting period before you apply for a loan.

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How Bankruptcy Affects Credit Score

There are a lot of misconceptions about the ways bankruptcy affects credit score. In this article, we'll dispel some of these myths and provide information on how to improve your credit score after bankruptcy.

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What are Bankruptcy Friendly Credit Cards?

Find a bankruptcy friendly credit card so that you can have access to credit after filing for bankruptcy.

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Should I File for Bankruptcy for Credit Card Debt?

Credit card debt can prevent you from paying your day-to-day living expenses. By filing a Chapter 7 bankruptcy case, you can get rid of credit card debt while protecting your property. However, you need to qualify for Chapter 7 by having income that is below the average median income in your state.

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5 Tips to Avoid Bankruptcy Dismissal

Avoid a Chapter 7 bankruptcy dismissal so that you can discharge all of your debts by following these directions.

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What Happens After Filing for Bankruptcy?

Knowing what happens after you file bankruptcy can make it seem less intimidating. Read on to learn about filing Chapter 7 bankruptcy, the meeting of creditors, keeping your car, and why creditors must stop contacting you after filing.

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Rebuilding Credit After Bankruptcy: It IS Possible!

A bankruptcy does not destroy your credit forever. Instead, following some simple tricks and taking advantage of the various credit repair tools can help you build a stronger credit report and higher credit score after filing for bankruptcy.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.