What happens after my bankruptcy file is denied?

I filed for bankruptcy, but my file was denied. I had filed a chapter 13, because I had a job in the last six months. However, I was let go due to the company's own struggle to pay employees. What can I do at this point? I'm not sure how I'm going to take care of my debts.

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Answered By: The Stone Law Firm

Call now: (602) 307-5000

If by denied you mean your Chapter 13 was denied confirmation, you can try modifying the plan to satisfy the Trustee's objection(s). If by denied you mean your case was dismissed, you might be able to get your case reinstated or even file a new case altogether. A knowledgeable bankruptcy attorney can help you understand your options and advise of a best plan of action.

Answer Applies to: Arizona - Replied: 11/17/2011

Answered By: Bird & VanDyke, Inc.

Call now: (209) 390-8877

File a chapter 7

Answer Applies to: California - Replied: 11/15/2011

Answered By: The Law Offices of Seth D. Schraier

Call now: (914) 907-8632

Your best bet is to reapply for bankruptcy with your updated financial information and status. Just because you have a bankruptcy petition denied doesn't mean you can't reapply again for the bankruptcy. However, I do recommend that you hire a bankruptcy attorney this time around to take care of the entire bankruptcy petition so they can make sure that this second time around you will have the bankruptcy petition granted.

Answer Applies to: New York - Replied: 11/15/2011

Answered By: The Law Office of Darren Aronow, PC

Call now: (516) 663-0970

If you have no job, then you should be able to qualify for a chapter 7 now which would discharge all of your debt and you would not have to worry about a payment plan.

Answer Applies to: New York - Replied: 11/15/2011

Answered By: Law Office of Lynnmarie A. Johnson

Call now: (810) 695-0102

See if you meet the income requirements for a ch 7 bankruptcy now that you have been let go. If not today (because you have to look back 6 months), wait until you do and then file the Ch 7.

Answer Applies to: Michigan - Replied: 11/15/2011

Answered By: Eranthe Law Firm

Call now: (415) 504-2006

If you can't make your plan payments you can convert to a chapter 7. Have your attorney file the notice of conversion and prepare an order for the Judge to sign. The creditors recieve notice and you simply continue through the new process.

Answer Applies to: California - Replied: 11/15/2011

Answered By: Ashman Law Office

Call now: (404) 768-3509

Do what you should have done before the dismissal - hire a lawyer. You may have saved money and other problems by converting to a chapter 7. Your pro se efforts will cost you extra filing fees if you refile a chapter 7 and could add to fees if you have to reimpose a stay.

Answer Applies to: Georgia - Replied: 11/14/2011

Answered By: The Schreiber Law Firm

Call now: (619) 269-8600

If your income in the past 6 months has been less than the median income limits to be able to file a Chapter 7 as you no longer have a job, you can file a Chapter 7 instead. The income period is the last six months before you file.

Answer Applies to: California - Replied: 11/14/2011

Answered By: Law Office of Robert Sisson

Call now: (920) 993-7777

You should now qualify for a chapter 7 bankruptcy.

Answer Applies to: Wisconsin - Replied: 11/14/2011

Answered By: Heupel Law

Call now: (303) 955-7570

You can always reinstate your case or file a new bankruptcy.

Answer Applies to: Colorado - Replied: 11/14/2011

Answered By: Janet A. Lawson Bankruptcy Attorney

Call now: (805) 985-1147

I am guessing the ch13 was dismissed for failure to make payments. You could have converted to ch7 when you lost your job. You can file a new Ch7 but beware, you must file and have heard, a motion to continue the automatic stay within 30 days IF your last case was dismissed within a year.

Answer Applies to: California - Replied: 11/14/2011

Answered By: Ruiz Law Group, P.C.

Call now: (718) 505-3400

You can file for Chapter 7 bankruptcy.

Answer Applies to: New York - Replied: 11/14/2011

Answered By: Siegel & Siegel, P.C.

Call now: (212) 721-5300

You should file chapter 7.

Answer Applies to: New York - Replied: 11/14/2011

Answered By: Grace Law Offices of John F Geraghty Jr.

Call now: (404) 660-2740

It sounds like you could benefit by filing Ch 7.

Answer Applies to: Georgia - Replied: 11/14/2011

Answered By: Law Offices of Robert P. Taylor

Call now: (714) 962-1892

You should talk to an attorney. Now you may be able to file a Chapter 7 or convert your case to a Chapter 7.

Answer Applies to: California - Replied: 11/14/2011

Answered By: Guardian Law Group PLLC

Call now: (888) 799-4244

You would likely qualify for a chapter 7 now.

Answer Applies to: Utah - Replied: 11/14/2011

Answered By: Kenneth A. Parker, P.C.

Call now: (678) 541-6770

You may be eligible to file a Chapter 7 since you no longer are employed. Contact a bankruptcy attorney to discuss your options.

Answer Applies to: Georgia - Replied: 11/14/2011

Answered By: Carballo Law Offices

Call now: (510) 886-2772

You can file again. Maybe you can qualify for Chapter 7 if your debts are unsecured such as credit cards.

Answer Applies to: California - Replied: 11/14/2011

Answered By: Charles R. Nettles - Attorney at Law

Call now: (512) 443-5545

You can file a Chapter 7 bankruptcy if you want. Otherwise, you are pretty much on your own as to how to deal with your creditors.

Answer Applies to: Texas - Replied: 11/14/2011

Answered By: Foster Law Group

Call now: (303) 297-7729

You may want to consider filing for chapter 7. You may file a chapter 7 right away after your chapter 13 is dismissed assuming you are eligible for a chapter 7.

Answer Applies to: Colorado - Replied: 11/14/2011

Answered By: Buff & Chronister

Call now: (678) 869-5201

I assume your Chapter 13 case was dismissed because of your inability to fund the plan. It sounds as though you are eligible for a Chapter 7 discharge. You should consult an attorney and see if Chapter 7 makes since for you at this point. If you gain employment, you can re-file for Chapter 13, provided you have sufficient income to fund the plan.

Answer Applies to: Georgia - Replied: 11/14/2011

Answered By: Dan Wilson Bankruptcy

Call now: (720) 506-3157

File under Ch 7. Why were you in Ch 13 in the first place?

Answer Applies to: Colorado - Replied: 11/14/2011

Answered By: Law Offices of Joseph A. Mannis

Call now: (818) 591-9890

Refile under Chapter 7

Answer Applies to: California - Replied: 11/14/2011

Disclaimer: The responses above do not form an attorney-client relationship. These answers may or may not apply to you and should not be relied upon as legal advice. LawQA does not make any representation as to the expertise or qualifications of this attorney. These attorneys may or may not be admitted to state bar of your state.

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