newbie questions

[bridie43]

I just bought the ebook from nolo for chap 7 and I have a few questions if anyone would like to take a stab at them:

Are these items dischargeable?

• landscaper's invoice
• oil company invoice
• water bill

If they are and I get the water bill discharged will they just put a lien on my home for the amount?


Also, unknowingly I have been paying I think two credit cards via eft. I didn't realize it until a few weeks ago and stopped them promptly. Will this hurt my chances due to preferential treatment, even though I didn't realize it?


Thanks so much! That book is AWESOME!!!

[falken]

I just bought the ebook from nolo for chap 7 and I have a few questions if anyone would like to take a stab at them:

Are these items dischargeable?

• landscaper's invoice
• oil company invoice
• water bill

If they are and I get the water bill discharged will they just put a lien on my home for the amount?


Also, unknowingly I have been paying I think two credit cards via eft. I didn't realize it until a few weeks ago and stopped them promptly. Will this hurt my chances due to preferential treatment, even though I didn't realize it?


Thanks so much! That book is AWESOME!!!

Yes, those are all dischargeable. You would need to find a new landscaper and/or oil company however. The water company may require a hefty deposit to keep your water turned on if you file on them.

No harm in having paid the credit cards.. the trustee may seek return of the payments from the card companies if they were large enough, but it will not affect your case.