What are your rights as a debtor

To be eligible to file a bankruptcy the filer has to officially live in the United States. You must have a valid social security number. In addition, you can not have been a debtor in a bankruptcy case in the 180 day period prior to filing the current bankruptcy case; you must receive counseling from an approved nonprofit budget and credit counseling agency prior to the filing. Additionally, the chapter and type of bankruptcy you may be eligible to file depends on your income over the six (6) month period prior to filing the bankruptcy. Finally, in order to receive a discharge in a bankruptcy, you may not have received a Chapter 7 bankruptcy discharge in the previous eight years or a Chapter 13 discharge in the previous six years.

Time Rule Issue
15 days Chapter 13 Plan Creditors objections to the Chapter 13 plan must be filed within 15 days of the 341 meeting
30 days Chapter 13 payment You must make your first planned payment with in 30 days of filing your bankruptcy petition
30 days Chapter 13 You can object to any proof of claims, and request a hearing with in 30 days of the objection being filed
10 days Motion for liftstay If a creditor files a motion to lift the automatic stay, you have 10 days to file an objection to that motion.