Clifford, MI Bankruptcy Law Firms & Lawyers

Yes. Visit with your state bar too regarding the situation. However, there is a concern with your comment that you qualified for a 7 now and are forced to file a 13 with the April 1 numbers. Typically the numbers adjust upward which means people typically will qualify for a 7 when they presumed to be a 13, not the other way around. It is likely you were in a Ch 13 from the beginning if you are now being told you are in it. Visit with another bankruptcy attorney.

Unfortunately, being a guarantor has put you in this position and the chapter 13 is not available for you to use as a defense to the lawsuit. As a technical matter, the creditor should have obtained an order from the bankruptcy court lifting the stay from the bankruptcy proceeding, but it is not clear from your question whether they did so or not.

You must include your student loans on your bankruptcy filing, even though it is unlikely you will be able to eliminate these debts. How much will what cost? How long will what take? What something will cost and how long it will take depends on a number of factors which you have failed to described. Most bankruptcy lawyers have a set fee schedule based on the type of bankruptcy you qualify to file, your income level, and whether you are filing with or without a spouse.