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Qualifying for Chapter 7 is not about magically manipulating the numbers, it’s about proving the numbers as they are and if they are good enough to prove that you qualify for a chapter 7 under the Means Test, then you get to file your case as a Chapter 7 instead of having to file a Chapter 13 with a monthly payment plan

The moment that you file your case, whether in chapter 7 or chapter 13, a temporary restraining order is issued by the bankruptcy court prohibiting collections of any type with a few exceptions. . . .

* If you cannot make the payments, they will take your car away from you.

* If you DO sign a reaffirmation agreement and then you default on your payments, they take your car and then they will also SUE afterwards.

* If you do NOT sign a reaffirmation agreement, then you default on your payments after your bankruptcy is over, they will take the car away but they can NOT sue you afterwards. . . .

To discharge income taxes, whether Federal or State income taxes, many rules have to be followed. Because this article only discusses income taxes, then it is important to remember that these are taxes that are assessed against gross income or gross receipts . . .