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One downside to this is that if you later fall into foreclosure, your credit could be damaged yet again. Under the right circumstances, debtors have settled debts for fraction of the initial balance. Generally, all debts will be erased or discharged except the following: child support, alimony, student loans, drunk driving judgments, fraudulent conduct, some tax debt, and criminal restitution. payday loans Bankruptcy’s automatic stay is only temporary and ends when your case does. We can help you determine if you qualify for Chapter 7. Chapter 7: You may have the option of keeping your vehicle and repaying any car loan. payday loan While in Chapter 7 bankruptcy, you could even secure a mortgage modification from your lender. You can find the current Pennsylvania State Median Income figures here. Or, you can surrender your vehicle if you don’t want to keep the vehicle. payday loans However, Chapter 7 bankruptcy also allows filers to discharge debts but continue making payments on them. Once they have notice of your bankruptcy, creditors and debt collectors are barred from trying to collect against you in any way. To keep your leased vehicle you must stay current with your lease payments. payday loan Eliminating your mortgage in Chapter 7 bankruptcy won’t terminate the lender’s lien or its future right to foreclose your property. If I file for bankruptcy, will creditors continue to harass me? Click HEREChapter 13: You may be able to keep your vehicle.payday loan payday loans payday loans payday loan payday loans personal loans

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