Vail, CO Bankruptcy Law Firms & Lawyers

If you did not list them as a creditor when you filed for bankruptcy, or list this debt as one of the debts you had when you filed for bankruptcy, then you still owe this debt. This is why it is extremely important that when you file for bankruptcy you list every single debt you have and every potential creditor. If the creditor can show that you had notice of this debt, then you will unfortunately still have to pay off this debt even though you were granted a bankruptcy discharge in 2010.

Then you need to get the legal aid service to do something about it. If not, go hire a private attorney. The creditor is in violation of the stay and there are sanctions for that.

While I appreciate as a parent you feel that someone is taking advantage of your baby, your son is a big boy now & should be handling his own affairs. The reason his Chapter 13 payment (not his bankruptcy fee) is high is either because he wants to pay off something through his bankruptcy that he really cannot afford, such as mortgage arrearages or a vehicle, or because his income dropped substantially during the bankruptcy. What he should do is really a decision for him to make. He could reduce his payments by agreeing to surrender any expensive property he might be paying for in the bankruptcy or if his income dropped, he can look at either converting his case to a Chapter 7 or dismissing his Chapter 13 & refiling a Chapter 7.