• FreeAdvice has a new Terms of Service and Privacy Policy, effective May 25, 2018.
    By continuing to use this site, you are consenting to our Terms of Service and use of cookies.

Business bankruptcy

Accident - Bankruptcy - Criminal Law / DUI - Business - Consumer - Employment - Family - Immigration - Real Estate - Tax - Traffic - Wills   Please click a topic or scroll down for more.

Mark199

Junior Member
What is the name of your state?

Florida

I was one of those who bought several investment properties (eight in may case) starting in 2005 and after several evictions and related tenant and property problems, and maxing out two lines of credit for a total of $270,000 (one in my home which I am assuming will have to pay if I want to keep my home) can not keep up with the $5,000 negative cash flow any longer.

We are a family of four and our household income is $90,000, and we have $25,000 in credit card debts. My credit score was 740 and I bought no doc so all my mortgage applications were completed accurate. A friend tells me that I can file a business bankruptcy under chapter 7 instead of the 13 because the debts that I want to place in bankruptcy are my mortgages which I am upside down in all of them, plus my credit cards debt. Is this true.

Thank you very much
 


bigun

Senior Member
Not really. There is no business section of a Chapter 7 [which is personal bk}. What he likely meant was, if over half of your debt is business related, you are exempt from the means test.
Speak with a few bk lawyers and get your options explained. Most give free or low cost inital consultations.
 

Find the Right Lawyer for Your Legal Issue!

Fast, Free, and Confidential
Top