Fremont Bankruptcy: Debtor Statement of Intention

You must also file a statement of intent when you file for a Chapter 7 bankruptcy.  This statement will tell the court and your creditors how you plan to deal with any secured debts that you have.  Secured debts are debts that allow your creditor to legally repossess your personal or real property as collateral.  Car payments and mortgages are some examples of secured debts.

Your statement of intent must be filed within 30 days of your first creditors meeting.  Additionally, you either must finish payments on your secured property or reaffirm the debt on your secured property within 45 days. 

You must file a statement of intent within 30 days after you file a petition under Chapter 7 or on or before the creditors meeting.  In addition, you must either finish payments on your secured property or reaffirm the debt on your secured property within 45 days. To reaffirm your debt means you choose to continue payment on your loan after you file for bankruptcy.  Within 45 days, if you have not finished paying your secured debts or reaffirm your secured debts, the court will terminate your automatic stay on the property securing the particular secured debt. 
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