Legal Question in Bankruptcy in Louisiana

Chapter 7

My husband and I filed a Chpt 7 in Birmingham, AL in 1997. I filed a Chpt 13 in Alexandria, LA in March of this year (2002). The case was dismissed in May of this year. I owe approximately $6,000 in credit card bills I can not pay. Can I file a Chpt 7 again or do I have to wait 10 years from the last date (Jul 97). Can my wages be garnished? If the creditors sue me do I have to go to court? I have contacted numerous credit counseling agencies which advertise that they are non profit - but after all is said and done I will be paying approx $2,000 more than what I acutally owe.


Asked on 7/10/02, 10:21 am

1 Answer from Attorneys
Andrew Nichols Law Office of Andrew B. Nichols

Re: Chapter 7

You cannot file another Ch. 7 case until seven years after the other case. However, you are entitled to file a Ch. 13 case and repay a small portion of your debts. I'm not sure why your Ch. 13 case was dismissed but you should be able to refile. Please feel free to call me personally to discuss your situation. ph. (800) 303-0720

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Answered on 7/11/02, 2:23 pm


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