Millbrae, CA Bankruptcy Law Firms & Lawyers

You do not have to disclose it unless you are asked directly. The employer does not need to find out although it is public information and the employers can find the information if they search for it. I do not understand how you can have both a Chapter 7 and Chapter 13 at the same time. Chapter 13 cases can only be filed by human beings and not entities such as LLCs or Corporations. Therefore, maybe you filed a Chapter 7 for a corporation or LLC and a personal Chapter 13. If you do not own a corporation or LLC I cannot understand how you could have both cases. Therefore, maybe you need to understand better what you are doing. You must have a lawyer that can explain it to you. Whether the bankruptcy will exclude you from the position you are seeking with the bank depends on the bank's policy but it should not have an effect.

You can file chapter 7 or chapter 13 if you have real estate debt. If you cannot afford the payments chapter 7 is better than a chapter 13, which is a payment plan for your debts.

Within 90 to 180 days after the last payment is typically when creditors turn over accounts to collection agencies. Making arrangements with a collection agency does not prevent you from being able to later file for bankruptcy protection. It is not uncommon for debtors make arrangements with creditors, which later prove to be unmanageable for various reasons.