How long after?

[Cheryla18]

My mom filed a chapter 7 bk and I want to help her rebuild her credit. Do you have to wait until iti's discharged to start trying to rebuild?

TIA

Cheryl

[simi_go]

Don't apply for anything until after the discharge. While you are waiting for the discharge you can start disputing the accounts  to show included in bankruptcy with $0 balance. That will help you be able to apply for something as soon as you have the discharge. 

[Cheryla18]

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@simi_go wrote:

Don't apply for anything until after the discharge. While you are waiting for the discharge you can start disputing the accounts  to show included in bankruptcy with $0 balance. That will help you be able to apply for something as soon as you have the discharge. 

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How long do Chapter 7's take to discharge?

[ezdriver]

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@simi_go wrote:

Don't apply for anything until after the discharge. While you are waiting for the discharge you can start disputing the accounts  to show included in bankruptcy with $0 balance. That will help you be able to apply for something as soon as you have the discharge. 

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Just curious...how do you know that creditors won't object when they have their say at the creditor's meeting? What is the basis for dispute prior to a dicharge of the debt?

[ezdriver]

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@simi_go wrote:

Don't apply for anything until after the discharge. While you are waiting for the discharge you can start disputing the accounts  to show included in bankruptcy with $0 balance. That will help you be able to apply for something as soon as you have the discharge. 

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It depends on whether or not assets are involved. I filed ch7 in mid-September of 2012 and my discharge date is April 8th, 2013. If little to no assets are involved, the time period is going to be be much shorter.

[Cheryla18]

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@ezdriver wrote:

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@simi_go wrote:

Don't apply for anything until after the discharge. While you are waiting for the discharge you can start disputing the accounts  to show included in bankruptcy with $0 balance. That will help you be able to apply for something as soon as you have the discharge. 

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It depends on whether or not assets are involved. I filed ch7 in mid-September of 2012 and my discharge date is April 8th, 2013. If little to no assets are involved, the time period is going to be be much shorter.

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@ezdriver wrote:

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@simi_go wrote:

Don't apply for anything until after the discharge. While you are waiting for the discharge you can start disputing the accounts  to show included in bankruptcy with $0 balance. That will help you be able to apply for something as soon as you have the discharge. 

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It depends on whether or not assets are involved. I filed ch7 in mid-September of 2012 and my discharge date is April 8th, 2013. If little to no assets are involved, the time period is going to be be much shorter.

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Good to know. She is on SS# and the only assest she has is a car.  So you would say 6 months?

[morganfofo]

I had no assets and I filed march 18, 2014. Meeting of creditors was April 22, 2014. There is a 60 day waiting period for creditors objections.. Mine was up on June 23 (Monday). My discharge was available on PACER yesterday morning with an official discharge date of June 25.

[simi_go]

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@ezdriver wrote:

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@simi_go wrote:

Don't apply for anything until after the discharge. While you are waiting for the discharge you can start disputing the accounts  to show included in bankruptcy with $0 balance. That will help you be able to apply for something as soon as you have the discharge. 

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Just curious...how do you know that creditors won't object when they have their say at the creditor's meeting? What is the basis for dispute prior to a dicharge of the debt?

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It shouldn't matter if they object or not. While you are under bankruptcy protection your accounts should show IIB or like some of mine "Bankruptcy CH7 Petition filed" with a $0 balance.

[0REDSOX7]

Simi, it is not law that accounts be updated in your CR while your discharge is pending. A consumer finance attorney told me that.

Only after discharge should the accounts reflect IIB and 0 balance, though a majority update prior.

[simi_go]

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@0REDSOX7 wrote:
Simi, it is not law that accounts be updated in your CR while your discharge is pending. A consumer finance attorney told me that.

Only after discharge should the accounts reflect IIB and 0 balance, though a majority update prior.

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Well my lawyer told me basically what I am telling others......wouldn't surprise me to see that he is wrong though......I have the absolute dumbest attorney of all time it feels like.  They day I get my discharge, tomorrow hopefully, I am going to blast him on yelp and anything else I can find in hopes that no one else has to deal with him. 

But thanks for the clarification.