Amend Chapter 13 To Chapter 7
People face a few common scenarios all over the United States. Take this example, where you have already filed and completed a Chapter 7 bankruptcy and have been discharged. You think you can start on a clean slate, and then a creditor calls you. Then you may tend to think that all the effort you went through was a waste of time. The whole idea behind filing for bankruptcy was to avoid such calls and mails. |
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And, then you later realize that the debt was not included in the bankruptcy agreement. Since it has been completed, there is nothing you can do about it now. Does that mean you get harassed? No, it does not. You can amend the petition. You can amend Chapter 13 to Chapter 7, and here is how you do it.
You will need to reopen your bankruptcy case by filing for an amendment in your bankruptcy petition. A leave of court allows this procedure, and by filing for a motion you obtain leave of court. Go to the bankruptcy court website and download the forms required for the amendment.
You will need to prepare an amendment schedule with the help of the form. If you need to add a creditor, the amendment will list the appropriate schedules. Usually they are D, E or F, and it depends on the type of credit and also if it is secure or insecure.
There are different types of amendments where you can add a creditor, an asset, property and liability. However, all these should have occurred before the date of filing for bankruptcy.
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