những người hưởng lợi của người thuê nhà chung đã chết không có yêu cầu bồi thường tài sản, thậm chí nếu người quá cố nhầm lẫn đã cố gắng để lại tài sản cho họ. Hầu hết các cặp vợ chồng lựa chọn hình thức sở hữu này để tránh việc nhà của họ liên quan đến di chúc. | SimpoPDF Merge and Split UnregisteredjVersion - http Q. What does Chapter 7 bankruptcy involve A. Straight bankruptcy under Chapter 7 is available if less drastic methods will not solve your financial problems. It allows you to discharge extinguish most debts. A section below describes some types of debts that you cannot avoid in any form of bankruptcy. About 70 percent of all consumer bankruptcy filings nationwide are under Chapter 7. Q. How does a Chapter 7 bankruptcy case begin A. It starts when you file a petition with the . Bankruptcy Court asking it to relieve you or you and your spouse from your debts. As of the date you file the petition your assets will be under the protection of the court. In addition most collection efforts against you must stop. However if someone has co-signed a loan for you your automatic stay does not stop creditors for seeking payment from your co-signer. When you file the petition you also must file a Statement of Financial Affairs and schedules that among other things describe your financial history and list your income all of your debts and your assets. These schedules are quite detailed Your liabilities your priority debts such as taxes your secured creditors auto dealers home mortgages and so on your unsecured creditors department store credit cards and the like . Be sure that you list all your creditors and their correct names and addresses. If you omit some or provide incorrect addresses you might not be discharged from those debts. Your assets all your real property including any you own together with your spouse or other persons all your personal property such as household goods clothing cash retirement funds accrued net wages all property whether real or personal that you claim exempt from creditors. Q. Will I lose some of my assets if I file for Chapter 7 A. Under Chapter 7 you might well have to turn over many if not all of your nonexempt assets. What happens depends upon the classification of the .
