Could Be Provided To The Bankruptcy Clerk's Office To Either Halt The Chap 7...

Q: Regarding an individual filing for Chapter 7 bankruptcy - what information could be provided to the bankruptcy clerk's office to either halt the Chap 7 procedure or encourage a ruling where the debtor would have to repay the creditors at a later time? Unfortunately, while debtors rights are clarified, information on behalf of the creditor is elusive. There must be general guidelines a creditor could fall back on. In an instance where the able bodied debtor is a school instructor employed fulltime by the city he resides in who also holds down a part time job, and whose credit card abuse and college loans landed him in trouble, surely the debtor can be held at least partially accountable. What information or factors could an individual creditor use to prevent possible misuse of our bankruptcy system? Chapter 7 and other forms of bankruptcy have been discussed extensively over a range of NGs. While such a system serves as a last resort for desperate debtors, it also provides way out of responsiblity for foolish citizens who are willing to sacrifice their credit (which wasn't in such hot shape anyhow) in order to elude responsibility. I would hope that creditors, especially individuals, have some path they can travel on to contest a request for Chapter 7.

A: -They have very little path, other than proving fraud. -In bankruptcy, a creditor has enormous lattidude in probing, under oath, the bona fides of the debtor's claims of bona fide impecuniousness -There long have been such -- and the key, indeed,

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