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.
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.
File a chapter 7
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.
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.
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.
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.
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.
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.
You should now qualify for a chapter 7 bankruptcy.
You can always reinstate your case or file a new bankruptcy.
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.
You can file for Chapter 7 bankruptcy.
You should file chapter 7.
It sounds like you could benefit by filing Ch 7.
You should talk to an attorney. Now you may be able to file a Chapter 7 or convert your case to a Chapter 7.
You would likely qualify for a chapter 7 now.
You may be eligible to file a Chapter 7 since you no longer are employed. Contact a bankruptcy attorney to discuss your options.
You can file again. Maybe you can qualify for Chapter 7 if your debts are unsecured such as credit cards.
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.
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.
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.
File under Ch 7. Why were you in Ch 13 in the first place?
Refile under Chapter 7
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