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  1. #1
    Join Date
    Jan 2008
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    Question Debtor's Credit Report Shows Two Bankruptcies

    My question involves bankruptcy in the state of: California

    In reading the 'comprehensive report' the debtor's records show:

    Chapter 7 Bankruptcy: date filed - 4/16/2004, disposition date - 7/26/04, Disposition: Discharged

    Chapter 13 Bankruptcy: date filed - 08/08/1991, disposition date - 1/15/92, Disposition: Dismissed

    In plain English - does this mean he was not allowed the BK in 92 - but was granted BK under chapter 7 in 2004?

    Is it true that he can not file again under chapter 7 until 2011?

    Is he allowed to file sooner than that under chapter 13?

  2. #2
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    Default Re: Debtor's Credit Report Shows Two Bankruptcies

    You would have to ask him why the bankruptcy was dismissed in 1992. It may have been a voluntary dismissal. The debtor would normally be ineligible to file for Chapter 7 bankruptcy for eight years; but he can file for Chapter 13, as no waiting period applies.

  3. #3
    Join Date
    Jan 2008
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    Default Re: Debtor's Credit Report Shows Two Bankruptcies

    thanks for your reply!

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