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On Behalf of | Sep 3, 2019 | Chapter 13, Chapter 7

I filed a chapter 7 bankruptcy in 2012 and got a discharge due to other financial problems. In the last few years a creditor is now trying to levy my bank account. Can you help me?

Under the law, TAIEB LAW can still help you, but you are not eligible to file another chapter 7 until after eight years from the date when you filed the previous chapter 7.

In most cases, Mr. Taieb can get a very minimal payment plan in a chapter 13 for the next three years but as in every case, this depends on your individual circumstances.

The main thing is that this chapter 13 case will immediately create an automatic stay and get this creditor off your back and protect your property.

Mr. Taieb recently helped a 58 year old woman from Erial, New Jersey who got a discharge in chapter 7 in 2012. Due to a cut back in hours, her income dropped over the last few years and she was facing a situation where two creditors wanted to start garnishing her wages from her pay check since they had obtained judgements against her. Even though she is not eligible for a chapter 7 since she filed a chapter 7 within the last eight years, Mr. Taieb got her a chapter 13 plan with a minimal monthly payment under $200 per month to get the creditors off her back. She makes this monthly payment to a chapter 13 trustee and the chapter 13 takes a universal approach dealing with all her debt plus a large chunk of her counsel fees.

As in any chapter 13, if there comes a time when due to other financial stresses, you are unable to make trustee payments, then you may be eligible to convert to chapter 7 or file a new chapter 7 depending on many factors.

However, even if you have a previous bankruptcy on your record, do not ever feel that you are strapped. TAIEB LAW has helped over 7,000 over the last 34 years and is familiar with all the technicalities of when and which bankruptcy you are allowed to file.

Even if you just had a chapter 7 discharge and you have a new problem such as foreclosure, repossession, eviction or any other collection activity, Mr. Taieb can help you get the stay in effect to help you protect your property.

If you have any questions concerning this matter or any other matter contact TAIEB LAW at 856-600-0819 or visit our website at TAIEBLAW.COM, and schedule a FREE initial consultation.

Steven N. Taieb, Esq. has been a South Jersey Bankruptcy Attorney for over 34 years and is board certified in consumer bankruptcy law by The American Board of Certification which is accredited by The American Bar Association.