Bankruptcy Article


Creditor Resources

A creditor in a bankruptcy case is a person or entity to whom the debtor owes money or who claims to be owed money by the debtor.

If you have received a notice from the court that lists you as a creditor in a particular bankruptcy case and the notice includes a proof of claim form, it means that the debtor has listed you in the debtor's bankruptcy case as someone who the debtor owes money.

To see more resources go to the U.S. Bankruptcy Court, District of Arizona website.


Comments:

QUESTIONS

  • recently was given a Chapter 7 discharge, but Mortgage lender will not give me another loan modification because of income is not sufficient enough. I am behind in Mtg payments can I file a Chapter 13 to get caught up on delinquent mtg payments.
  • I am currently in debt with over 9 payday loan companies. Obviously it is starting to snowball and starting to overdraw my checking account. Is it possible to file bankruptcy on payday loans and if so what chapter would it be?
  • I filed bankruptcy in 2003. What's the time limit on filing another one? The debts are not frivilous.
  • I got an eviction notice for non-payment of rent. I filed ch.7 bankruptcy and my rent is due 6/1, but i'm moving out so do i have to pay my 6/1 rent?
  • Has there been a change in the Law That now allows an inheritance from a Sibling to be exempt? If so, in what amount? Thank you.
  • I only have one car loan as far as debt. I only get child support as far as income ($300). I go to school full time. A year ago the house I was renting burnt down. It was an accident on my son's(17) part. I have received a bill for about $170,000 to repay the damages. Would Bankruptcy be an option? Can I file with only having this one bill? Would I lose my car since that is all I own now? Do I wait till the bill is older since I just got it?
  • When filing bankruptcy do I need to include the leased land I have in South Dakota on the schedule?
  • Concerning a Short Sale of Real Property; There are 3 liens. The 3rd lien is a voluntary one for the purchase of a home water purification system. In order to sell the property short, the Bank requires that the 3rd lien agree to be released. The lien holder is unreasonable. They ask for the original $4400 + Back Payments, Interest and Penalties which make the release amount about $10,000. Nothing less is acceptable. The Bank may allow 1 or 2 thousand dollars, no more. Can the 3rd lien be eliminated by an administrative action or through bankruptcy?
  • I filled for chapter 13 myself without an attorney. Where can I find information on how I would respond to a Motion to Vacate Automatic stay
  • Should I file for bankruptcy if I cannot pay my debts?

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OTHER LEGAL RESOURCES

  • State Bar of Arizona
    www.azbar.org
  • Maricopa County Bar
    www.maricopabar.org
    Referral number 602-257-4434
  • Pima County Bar
    www.pimacountybar.org
    Referral number 520-623-4625
  • National Domestic Violence Hotline
    800-799-7233
  • Bankruptcy Court Self Help Center
    866-553-0893
  • Certified Legal Document Preparer Program
    Link

ORGANIZATIONS

Documents

Horne Issues National Mortgage Settlement Consumer Alert to Arizonans ReadSpeaker

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You and the Law: Fair Debt Collection

U.S Bankruptcy Court Debtor Help

Where to Find an Attorney for Specific Legal Advice

Debtor Resources

Informational Pamphlets for Filing Without an Attorney (Pro Se)

U.S. Bankruptcy Court District of Arizona Self Help Center

Bankruptcy 101 Videos

Horne Issues National Mortgage Settlement Consumer Alert to Arizonans

FORECLOSURE DEFICIENCIES IN ARIZONA: Will I still owe money after a foreclosure?

Will bankruptcy save my home from foreclosure?

LINKS

Federal Consumer Action Handbook Online

Federal Trade Commision