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Only debts that are incurred before filing can be added to your Chapter 7 bankruptcy. When you meet with your bankruptcy attorney, make sure you bring financial information on all of your debts and creditors, so you don't have to worry about adding one after you file.

Filing for bankruptcy protection isn't automatically free. The court filing fee is$338. But the largest expense most filers face is hiring a lawyer.

To add debt to Chapter 13, the debtor must motion the court to modify their repayment plan. Once your lawyer files the motion, you must show you cannot pay the new debt outside of the plan. Additionally, adding the new debt cannot negatively impact the current creditors.

You Can Keep All of Your Assets in Chapter 13 Bankruptcy You can protect your assets in Chapter 13 bankruptcy because Chapter 13 is not a liquidation. You get to keep everything you own in Chapter 13. There is no danger that you will lose your home, your car, your savings or any other asset to the Chapter 13 trustee.

Pre-petition debts can also be added to Chapter 13 bankruptcy after you file, but again, you will want to notify your attorney of the missed creditor as soon as possible. Adding debts to Chapter 13 is possible, but if certain deadlines have come and gone in the case, a debt can be found to be non-dischargeable.

Taxes, spousal support, child support, alimony, and government-funded or backed student loans are some types of debt you will not be able to discharge in bankruptcy.