federal bankruptcy forms
bankruptcy is a federal thing so why do forms say particular states have different laws?
are their different laws in different states regarding chapter 7 bankrupcy? i was told no, because it is federal, but why do all online sites/forms declare that each state is different and to specify where you live.
i’m asking, because i can live in one of 4 states, as i’m currently not working and can choose a family member in CA, FL, DE, WA or TX to live with…..
It is federal and the federal laws trump state laws. But in some states a creditor can come after a homeowner for any delinquency on their mortgage. In other states, the homeowner is protected from creditors if the mortgage was used to purchase the property.
Each state has Homestead Laws that protect equity from creditors other than mortgage lenders. In Arizona, the first $100,000 from the sale of the home is exempt from creditors.
All those things have an effect..
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