What happens after filing bankruptcy?
What debts do I continue to pay after filing bankruptcy?
You should continue to pay for your house and car presuming you want to keep these things.
So for your house you should continue to pay all mortgages or home equity loans and association dues and real estate taxes and insurance.
If you do not intend to keep your house you do not have to pay the mortgages and home equity loans and real estate taxes but you should continue to pay the insurance and association dues until such time as you no longer own the house.
Also continue to pay your car payments for the cars you intend to keep.
If you do not intend to keep the car then you do not have to make any payments, but once again, in either case, maintain your insurance until the car is returned to the lender.
One of the debts listed on my bankruptcy is my Doctor/Dentist/hospital. Can they refuse to
see me after the bankruptcy?
A public hospital is not supposed to refuse service.
A private hospital theoretically can but this is not always the case. A doctor or dentist can refuse to see you but in my experience some will not hold it against you and some will. There is no way of knowing for sure.
If it is a doctor or dentist you wish to continue to see, I usually advise that you call them before we file or soon after we file and let them know that they will be receiving a notice from the bankruptcy court and that you were required to list all debts. If the Doctor says he will not see you unless you pay what you owe then you may reply that you will pay him and I advise that you let him know what type of payments you will make. You of course are not required to pay the Doctor it is simply your choice based on whether or not you wish to still see this doctor.
What if I forgot to list a debt on my bankruptcy, can I add it later?
Yes. Until your case is over which is approximately 3 months after we file your case, we can prepare and file an amendment to your case to add debts you may have originally forgotten.
Both the Court and I have a fee for amending your case.
Once your case is over we can’t usually re-open your case to do such an amendment, but there are things that we can do.