The Indiana Pro Se Debtor Packet is a package of resources and documents designed to help individuals file bankruptcy without the assistance of a lawyer. The packet includes forms, instructions, and other resources to help an individual understand the bankruptcy process and complete the forms correctly. The Indiana Pro Se Debtor Packet consists of two types of forms: Voluntary Petition forms and Schedules forms. The Voluntary Petition forms are used to initiate a bankruptcy case and include a form for listing assets, liabilities, and income. The Schedules forms are used to provide a breakdown of the individual’s financial situation and include forms for listing creditors, property, and income. The packet also includes a guide to help individuals understand the bankruptcy process and complete the forms correctly. The guide includes information on filing deadlines, exemptions, and other important information. Finally, the packet includes a list of resources for individuals seeking legal assistance, such as bankruptcy lawyers and credit counseling services.
Indiana Pro Se Debtor Packet
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FAQ
The test involves seeing how your income compares to the median income in the state for other individuals who have a family with a similar size as yours. If you are at or below the median income level, you will most likely qualify for Chapter 7. If you don't, you may still be able to file for Chapter 13 bankruptcy.
Although a Chapter 13 bankruptcy stays on your record for years, missed debt payments, defaults, repossessions, and lawsuits will also hurt your credit and may be more complicated to explain to a future lender than bankruptcy.
The biggest difference between Chapter 7 and Chapter 13 is that Chapter 7 focuses on discharging (getting rid of) unsecured debt such as credit cards, personal loans and medical bills while Chapter 13 allows you to catch up on secured debts like your home or your car while also discharging unsecured debt.
The main cons to Chapter 7 bankruptcy are that most unsecured debts won't be erased, you may lose nonexempt property, and your credit score will likely take a temporary hit. While a successful bankruptcy filing can give you a fresh start, it's important to do your research before deciding what's right for you.
You have to pay a $338filing fee to file a Chapter 7 bankruptcy. When you file your petition, you can also apply to have the filing fee waived if you can't afford it. To qualify, your income must be less than 150% of Indiana's poverty guidelines (see the table for Indiana Fee Waiver Eligibility below).
Chapter 7 and Chapter 13 bankruptcy both affect your credit score the same ? having a Chapter 13 bankruptcy on your credit report will not be any better for your score than a Chapter 7. However, the individual reviewing your report will look at more than your score.
You may like to file Chapter 13 instead of a Chapter 7 bankruptcy, if you're behind on your mortgage payments and you're trying to save your home. Chapter 7 does not give you the opportunity to catch up mortgage payments or otherwise save your house. A Chapter 13 would be the appropriate chapter to file for that.