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Chapter 7 was denied. Now what??

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Established Member

Chapter 7 was denied. Now what??

My chapter 7 was denied, and this has all been so stressful. My attorney did the means test and it was ok, but the trustee asked for so many documents and I could not provide them all. It was my bankruptcy, and they wanted a ton of stuff from my wife..and we are having issues so she didn't provide them.

 

What is next for me since it wasn't approved? Is there hope to be changed to a chapter 13? I continue to make my mortgage payments, so I don't lose my house. Just looking for any other folks that didn't get their chapter 7 debts discharged and what happened after.

Message 1 of 32
31 REPLIES 31
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Frequent Contributor

Re: Chapter 7 was denied. Now what??

@jjb11 - So sorry to hear this.  Ask your attorney to convert your case to a 13.

 

Chapter 13
Date filed: 3/17/20
Meeting of the creditors (341): 5/20/20
Confirmation hearing: 6/11/2020
Deadline for filing claims: 6/17/20
Plan confirmed: 7/2/2020
Deadline for filing claims (Government): 9/14/20

Scores as of 7/8/20 (MyFICO Monthly Subscription/updates on the 8th of every month)
Equifax 638
Transunion 604
Experian 628

Open Accounts
Great Lakes (Student Loan) Pd Never Late - Perfect History/will not update until PIF $4,500 balance at $140 per month
Target (Survived Bankruptcy) Pd Never Late - Perfect History $3,000 limit/$0.00 Balance
Cartier (Survived Bankruptcy) Pd Never Late - Perfect History $8,000 limit/$0.00 Balance
NFCU Amex (AU) $25K limit/$11K balance (removing soon)
NFCU Secured Card (Trustee Approved) $2K limit/will PIF each month before statement cuts

All closed accounts are reporting correctly with $0.00 balance

Message 2 of 32
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Super Contributor

Re: Chapter 7 was denied. Now what??

Whats your lawyer say? Was it listed as dismissed? You can convert to a Chapter 13 without her I guess. Do something soon. Maybe another lawyer who can get things done right with a 13. The BK will still be on your reports and now your not protected. Back to square one really. So sorry this happened.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 3 of 32
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Moderator Emeritus

Re: Chapter 7 was denied. Now what??

Bummer! What documentation couldn't you provide? Were you no asset? 

Message 4 of 32
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Valued Contributor

Re: Chapter 7 was denied. Now what??

13 should be a lot easier.

Are you sure you have a good attorney?

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

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Message 5 of 32
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Moderator

Re: Chapter 7 was denied. Now what??

Good questions and advice above....just want to add, I'm sorry. I know how stressful this is. 

Got some pruning to do... No more new cards!
Message 6 of 32
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Established Member

Re: Chapter 7 was denied. Now what??

My first time posting here, and awesome support from everyone. Hard to talk to people about this. Appreciate it very much. I will explore the chapter 13 route now. Great advice!!!
Message 7 of 32
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Established Member

Re: Chapter 7 was denied. Now what??

They kept asking for more items from my spouse. Her credit cards, her auto loans..and that was hard to get from her. Then they wanted all her bank statements, and I couldn't provide them. This is my filing and it wasn't a joint filing. I provided so many documents and then they kept asking for more and more. I told my attorney I have given them everything..nothing more to give. They almost had a full year worth of paystubs from my wife and I. I thought it was all a 6 month data view. Just frustrating they kept asking for more and further timeframes. Before this I was never late to a creditor, and never filed for BK before. I just needed a fresh start.
Message 8 of 32
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Established Member

Re: Chapter 7 was denied. Now what??

My friend had a chapter 7 BK two years ago, and he is able to get Credit Cards now. With a chapter 13, am I screwed for the 5 years I'm in it. Will I have any chance of getting a credit card while I'm paying for the chapter 13 term?
Message 9 of 32
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Super Contributor

Re: Chapter 7 was denied. Now what??

What comes to mind and I'm no lawyer. Forgot about your credit future for now. Get the present in the past first. I'd sure as hell get a different lawyer and throw it all on them and I guess you can get a re-do and a diferent trustee that didnt get up on the wrong side of the bed.

 





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 10 of 32
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