{"id":2500,"date":"2018-08-11T23:50:03","date_gmt":"2018-08-11T23:50:03","guid":{"rendered":"https:\/\/phoenixfreshstartbankruptcy.com\/?p=2500"},"modified":"2019-08-13T13:21:30","modified_gmt":"2019-08-13T13:21:30","slug":"chapter-7-bankruptcy-questions-part-two","status":"publish","type":"post","link":"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-7-bankruptcy-questions-part-two\/","title":{"rendered":"Chapter 7 Bankruptcy Questions &#8211; Part Two"},"content":{"rendered":"<p>At Phoenix Fresh Start Bankruptcy Attorneys, we hear questions about Chapter 7 bankruptcy every day. This is the second in a series of post where we will be addressing some common Chapter 7 bankruptcy concerns.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"I_am_in_a_Bad_Way_but_I_Have_Already_Filed_Can_I_file_again\"><\/span>I am in a Bad Way but I Have Already Filed. Can I file again?<span class=\"ez-toc-section-end\"><\/span><\/h3><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-662c3c73a38dc\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-662c3c73a38dc\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-7-bankruptcy-questions-part-two\/#I_am_in_a_Bad_Way_but_I_Have_Already_Filed_Can_I_file_again\" title=\"I am in a Bad Way but I Have Already Filed. Can I file again?\">I am in a Bad Way but I Have Already Filed. Can I file again?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-7-bankruptcy-questions-part-two\/#Will_a_Chapter_7_Get_Rid_of_All_My_Debts\" title=\"Will a Chapter 7 Get Rid of All My Debts?\">Will a Chapter 7 Get Rid of All My Debts?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-7-bankruptcy-questions-part-two\/#Is_the_Chapter_7_Trustee_Going_to_Sell_Off_My_%E2%80%9CNon-Exempt%E2%80%9D_Property\" title=\"Is the Chapter 7 Trustee Going to Sell Off My &#8220;Non-Exempt&#8221; Property?\">Is the Chapter 7 Trustee Going to Sell Off My &#8220;Non-Exempt&#8221; Property?<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Provided that you have already filed Chapter 7 Bankruptcy and actually obtained a discharge, Chapter 7 again if eight years have passed since the date you filed your last case.<\/p>\n<p>If you aren\u2019t eligible for Chapter 7, you can still file a Chapter 13 after receiving a Chapter 7 discharge, but you won&#8217;t receive an actual discharge of your debts unless four years have passed since the date you filed the Chapter 7.<\/p>\n<p>Even if the four years haven\u2019t passed, you can still file Chapter 13 and get many of its benefits, including stopping foreclosures and garnishments and keeping your creditors away from you. Many of our clients \u201cpark\u201d in this kind of Chapter 13 until they are eligible again to get a discharge in a Chapter 7 or Chapter 13 case. Once they are eligible, they dismiss their non-eligible case and file a discharge-eligible one.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Will_a_Chapter_7_Get_Rid_of_All_My_Debts\"><\/span>Will a Chapter 7 Get Rid of All My Debts?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Chapter 7 does not eliminate all debts. Chapter 7 is a great tool for discharging unsecured debts like medical bills, repos, pay day loans and credit card debt. Other debts, however, like student some kinds of taxes, student loans are rarely eliminated. Likewise, debts stemming from criminal acts like driving under the influence of intoxicants generally will not be eliminated in Chapter 7.<\/p>\n<p>Debts incurred through false pretenses or fraud may not be eliminated in Chapter 7. Chapter 13 can, however, discharge many debts that Chapter 7 will not. You should meet with an attorney at Phoenix Fresh Start Bankruptcy Attorneys, LLP to review the nature of your debts and which bankruptcy chapter is the best tool for you.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_the_Chapter_7_Trustee_Going_to_Sell_Off_My_%E2%80%9CNon-Exempt%E2%80%9D_Property\"><\/span>Is the Chapter 7 Trustee Going to Sell Off My &#8220;Non-Exempt&#8221; Property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The Chapter 7 Trustee is only interested in a property that the Trustee can liquidate to distribute proceeds to pay unsecured creditors. If you own a vehicle worth $5,000, and you still owe $5,000 to the lender, the Trustee won&#8217;t touch the vehicle because he would have to pay all of the sale proceeds to the auto lender and there would be nothing to hand to the unsecured creditors.<\/p>\n<p>The Arizona legislature has created certain \u201cexemptions&#8221; to protect your real and personal property. Exemptions are a dollar value in certain property that is protected from all of your creditors, including a bankruptcy Trustee. If the value of your property is within the exemption limits, the Trustee will not take and sell the &#8220;exempt&#8221; property.<\/p>\n<p>One of the services that Phoenix Fresh Start Bankruptcy Attorneys, LLP can provide to you is a review of your assets and the exemptions available to protect them. Phoenix Fresh Start Bankruptcy Attorneys, LLP can also help you with exemption planning to help you preserve as much of your property as possible during the bankruptcy process.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>At Phoenix Fresh Start Bankruptcy Attorneys, we hear questions about Chapter 7 bankruptcy every day. This is the second in a series of post where we will be addressing some common Chapter 7 bankruptcy concerns. I am in a Bad Way but I Have Already Filed. Can I file again? Provided that you have already filed Chapter 7 Bankruptcy and actually obtained a discharge, Chapter 7 again if eight years have passed since the date you filed your last case. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2434,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35,36,351],"tags":[],"_links":{"self":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/2500"}],"collection":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/comments?post=2500"}],"version-history":[{"count":0,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/2500\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media\/2434"}],"wp:attachment":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media?parent=2500"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/categories?post=2500"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/tags?post=2500"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}