Longview, TX Bankruptcy Law Firms & Lawyers

You can file a 7 after the 8th anniversary of the date on which your previous petition was filed. Of course, you can file a 13 also, 4 years after a 7. If you filed a 13, the waiting time is only 2 years. And from a 13 to a 7, the wait is 6 years.

When you file a bankruptcy case, the court will want a list of every debt you think you might possibly owe to any person, anywhere in the world. So yes, you should include the unemployment over payment when you file. As to whether or not your bankruptcy case will eliminate that particular debt by discharging it, the answer usually is yes but that answer can sometimes change when a lien has been filed as you indicated has been done. When a lien has been filed, you have to look at the exemptions and compare those to the property before being able to guess. Something else that effect the answer is the timing of when the lien was filed compared to when the bankruptcy case was filed.

You need to speak to an attorney as soon as possible. It is fair to assume that you will have to pay some money to get out of debt (either to the creditor or to your attorney).