Can my creditors still demand money if my bankruptcy is dismissed? - Bankruptcy Law Questions and Answers- LawQA.com

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Can my creditors still demand money if my bankruptcy is dismissed?

If my bankruptcy is dismissed, voluntarily or by the court, can the creditors that were included in the bankruptcy demand the full amount of the remaining original debt? Can I utilize consumer credit counseling service (the non-profit one)?

Answer By Kevin Heupel
Heupel Law
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Yes, if your bankruptcy was dismissed, then creditors can collect the debt because you never received a discharge of your debts.

Answer Applies to: Colorado
Replied: 8/9/2011

Answer By Janet Lawson
Janet A. Lawson Bankruptcy Attorney
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Yes, they can demand full payment. I have had many clients come in with judgements against them after being in a debt consolidation plan, be wary,

Answer Applies to: California
Replied: 7/31/2011

Answer By Alan D. Walton
Breckenridge and Walton
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When your case is dismissed, it is as though it was never filed, so you creditors can seek full recovery from you (less that which they received from the bankruptcy).

Answer Applies to: Michigan
Replied: 7/28/2011

Answer By David Goldman
Apple Law Firm PLLC
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If you did not complete your bankruptcy they can begin collections again

Answer Applies to: Florida
Replied: 7/28/2011

Answer By Samuel Tucker
Tucker Legal Clinic
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Yes, your creditors will be in the same position they were prior to filing. The goal is to get a discharge. Filing the bankruptcy petition just stops collection efforts while the case is pending before the discharge. Yes, you may avail yourself of credit counseling/debt resolution services.

Answer Applies to: Mississippi
Replied: 7/28/2011

Bankruptcy Law office of Bill Rubendall
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Once a bankruptcy is dismissed creditors can pursue collection. This would be an opportunity to use a consumer credit counseling program such as Money Management International (MMI).

Answer Applies to: California
Replied: 7/27/2011

Carballo Law Offices
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The bankruptcy case did not change anything. You still owe the money as you did before your filed the dismissed bankruptcy case. Yes, you can consolidate and pay your debts if that is what you want to do.

Answer Applies to: California
Replied: 7/27/2011

Stuart Jon Bierman  Attorney at Law
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Yes, the creditors can demand payment in full if your bankruptcy is dismissed. You should use an attorney to maximize your chances of filing a successful petition.

Answer Applies to: New Jersey
Replied: 7/27/2011

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