bankrupt recently now someone wasnts to sue me

Question: I bought something in a little shop and was making payments on it . the shop keeper refused to give me reciepts as he said . just pay what you can when you can. Personallty he did not want it to go through his records
he showed up at my house threatening to take back what i bought ( a bird ) ..
is this a secured debt ?
Can he take my bird ?
He threatened a wage garnishment
what do i do ...

Answer: First, if someone shows up at your house threatening you, you should call the police.

Second, if you have filed bankruptcy, your unsecured debts are included in the bankruptcy. The shopkeeper should have been listed on your statement of affairs, so the trustee should have notified him of the bankruptcy. If this was not done, you should contact your trustee immediately.

It is doubtful that he registered a lien on your bird; that's the only way it could be a secured debt. He should file a claim with the trustee, who can then investigate whether or not it is a secured debt.

A creditor cannot garnishee your wages while you are bankrupt, unless they get the prior permission of the bankruptcy court, which is highly unlikely in your case. Your trustee can provide you with further information.

Labels: bankruptcy