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An individual Chapter 7 debtor
must be granted a bankruptcy discharge, unless one of the ten independent statutory
grounds for denial of a Chapter 7 discharge applies. Bankruptcy code §727(a). The
effect of the discharge is to discharge the bankruptcy debtor from all debts that
arose prior to the order for relief under Chapter 7, as well as from all
debts that, under Bankruptcy Code section 502, are treated as
pre-petition debts.
Exception; non-dischargeable debts: The bankruptcy discharge does
not include particular debts that the court has determined to be
non-dischargeable under section 523. It is important to distinguish
between a denial of the entire discharge under section 727, and a
determination under section 523 that a specific debt is
non-dischargeable. A denial of the entire bankruptcy discharge allows all creditors
to pursue their claims post-bankruptcy; whereas if a discharge is
granted, only those creditors who are owed debts found to be
non-dischargeable under section 523 will be free to collect their claims
post-bankruptcy.
Calculating disposable income and unsecured debts is the second step of the Chapter 7 means test. If your disposable income over the next five years is less than $6,000 ($100/month), you "pass" the Chapter 7 bankruptcy means test and can thus file for Chapter 7. A local bankruptcy attorney can further explain how disposable income is calculated. If your disposable income during that five year period is greater than $6,000 but less than $10,000, you may still be able to file for Chapter 7 bankruptcy protection, depending upon your allowed expenses.
If you are facing foreclosures, repossessions, wage garnishments, liens, and constant calls and letters from creditors and collection agencies, we are ready to assist you. The Pacific Bankruptcy Center is a debt relief agency, aiding clients in filing for bankruptcy relief under the Bankruptcy Code. Contact a bankruptcy lawyer at our firm today to learn more through an honest assessment of your situation
Julian is an unincorporated community in San Diego County, California, in the United States. As of the 2000 census, the census-designated place population was 1,621. Julian is an official California Historical Landmark No. 412. Also, the Julian town site and surrounding area is defined by the San Diego County Zoning Ordinance Section 5749 as the Julian Historic District. This designation requires that development adhere to certain guidelines that are administered by the Architectural Review Board of the Julian Historic District, which is appointed by the San Diego County Board of Supervisors
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