File a chapter 13 after filing Chapter 11 in New Jersey

Chapter 11 bankruptcy, used by companies or partnerships must declare bankruptcy is professional rather than personal. That the debtor want a real effort to repay is chapter 13, since both types of bankruptcy, Chapter 11. It is possible a chapter 13 to 11 in New Jersey file, but time constraints. If expiration was originally lodged by four years from the date of Chapter 11, you can start a chapter 13 petition.Difficulty: ModerateInstructionsThings ll need: certified copies of the completed credit and CounselingFinancial statements2 years tax debtor debt1Find return statements date of your paperwork for Chapter 11 bankruptcy filing. Four years have passed, you are free to pursue a chapter 13 bankruptcy. Search for you the date started at the beginning of the procedure, the date was your bankruptcy discharged. 2Attend a session with a credit counselor approved Government (see resources), an important step has adopted since the bankruptcy abuse and Consumer Protection Act of 2005. "Your failure to receive credit counseling, before you for bankruptcy, file" bankruptcy warns of the District of New Jersey on his site, "results in the rejection of your case... you petition another 180 days allowed to submit."3Request an application for exemption fee Advisor, if you do not pay. So before the start of the session. Otherwise, you can anyway responsible for the Bill. After the meeting that will be available in person, by telephone or via the Internet receive a certified copy of your New Jersey bankruptcy court attendance. 4Visit in your district (see resources) to a petition in bankruptcy, Chapter 1 file3. Bankruptcy forms are available from the clerk of the Court or the Bankruptcy Court of New Jersey Web site for downloading can forms to Hause. File paperwork with the cost of the clerk $274 2010. According to the website can till to pay "Payments up to four" fresh. 5Attend work programme of the debtor (see resources). It takes approximately 60-90 minutes and costs approximately $100 until 2010. As with credit Advisor to examine the cost, before starting the session, and waiver request, if you can not pay. 6Attend creditors, to produce pleasant payment structure for your debts. You and your creditors will outline a plan, which takes three to five years. After you have made your payment, as expected, your bankruptcy is released, and you will be free of responsibility for the debts, even if the amount has not been paid.