USING CHAPTER 13 & 7 TO STOP FORECLOSURE & SAVE YOUR HOME

If you are behind on mortgage payments (or might be soon), and you want to save your home from foreclosure, we can help.  Robert Russell has provided Bankruptcy (and foreclosure prevention) services for more than 25 years.  Robert Russell has

Should I Stop Paying Creditors If I’m Going to File for Bankruptcy?

If you are current on your debts, but you know you are going to be filing bankruptcy soon, it is reasonable for you to ask if you can/should stop paying your debts now. When a Debtor files bankruptcy, the “automatic

What is the UST Bankruptcy Information Sheet Every Debtor Must Read?

Bankruptcy Information Sheet:  The 341 Meeting Requirement The United States Bankruptcy Code requires that each debtor affirm at their 341 Meeting that they have read the “Bankruptcy Information Sheet” (BIS) in order to complete the 341 Meeting.  The “Bankruptcy Information

Chapter 13: When Is My First Plan Payment Due & How Do I Pay It?

When Is My First Chapter 13 Plan Payment Due? Your first full month’s plan payment must be received by the Chapter 13 Trustee within 30 days of the date of case filing.  You can find that requirement in 11 USC §1326.

What Is The Effect of Repeat / Serial Filing Multiple Bankruptcies On The “Automatic Stay”?

A Debtor Can Lose the Protections of the Bankruptcy Automatic Stay The “Automatic Stay” is a key protection in filing bankruptcy. The Automatic Stay is an Order that prohibits collection action by a creditor on a debt once the bankruptcy

What Do You Do If You Filed Bankruptcy & Forgot To List A Creditor?

Despite a debtor’s best efforts, sometimes a creditor does not get listed in the debtor’s bankruptcy.  It might be because the debt is old and  forgotten.  Maybe it’s newer but a debtor just did not know they owed a debt. 

What Can You Do If You File Bankruptcy And Have a Judgment Lien On Your House?

A Creditor With A Judgment May Have a Lien Against Your Home If at the time you file bankruptcy you own real property such as a house or a bare land lot, the first thing you need to know is that

How Long Is Bankruptcy On Your Credit Report?

Fair Credit Reporting Act & Bankruptcy The federal Fair Credit Reporting Act dictates how long a bankruptcy can be listed on a credit report. Legally, a Chapter 7 can be listed ten years from the date of filing. 15 USC § 1681c.

Where is the Chapter 13 Trustee Website for Vancouver & SW Washington?

The Chapter 13 Trustee for SW Washington including Vancouver, Longview, Kelso, etc is Mike Malaier.  His website is at:  Chapter 13 Website – Mike Malaier, Trustee      

How Does The Internal Revenue Service (IRS) Collect in a Chapter 13 Bankruptcy?

Chapter 13 and IRS Debt Collection Efforts The Internal Revenue Service (IRS) follows the instruction in the Internal Revenue Manual (IRM).  Below is what the manual says about collecting debts owed by people that have filed a Chapter 13 bankruptcy