I filed bk (13) in 2004. Converted to a bk (7) in 2007.
It's my understanding that since my original filing was in 2004 that this is the magic day. (meaning it's considered "old law" - before all the laws changed.) If this is true, then my chapter 7 is a blanket bankruptcy that covers all dischargeable debts - whether accidentally left out of the petition or not.
Is this correct???
Also, I have a few CA on my CRs from before I converted and was wondering if SOL would even be in affect due to my filing bk.
Basically, I am assuming that since I filed bankruptcy 7 under old law that regardless of whether the SOL was up.... they could not collect or sue.... am I right?
I know they can still report with a 0 balance. I was just thinking this would be awesome leverage to get them to do a PFD.
Any opinions? Advice? Experience? Knowledge? I hate assuming things because I'm afraid of failure.