Can bankruptcy be discharged if I owe someone for home improvement? 8 Answers as of August 01, 2016

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Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
The contractor may have a lien on the home called a "mechanics lien." The rules on this are quite strict. If the contractor makes a mistake in the process the lien may be challenged. See a lawyer to sort this out.
Answer Applies to: California
Replied: 8/1/2016
GARCIA & GONZALES, P.C.
GARCIA & GONZALES, P.C. | Richard N. Gonzales
Yes.
Answer Applies to: Colorado
Replied: 8/1/2016
Ronald K. Nims LLC | Ronald K. Nims
Your personal liability for the debt will be discharged in the bankruptcy. However, if the contractor filed for a mechanic's lien against the house, that lien won't, generally, be removed by bankruptcy.
Answer Applies to: Ohio
Replied: 7/29/2016
A Fresh Start
A Fresh Start | Dorothy G Bunce
Having a debt for a home improvement will not prevent you from getting a discharge in bankruptcy, but wait, there is more. Most bankruptcy cases do not remove liens, so if the home improvement left a mechanics lien on your home, that lien right will remain. Meaning that with the paperwork in place when you file bankruptcy, the bankruptcy may not help you with this debt.
Answer Applies to: Nevada
Replied: 7/29/2016
Garner Law Office
Garner Law Office | Daniel Garner
A bill for services, by itself, is a dischargeable debt. But if you agreed to a lien on the materials or your home itself in the course of financing the improvement, or if the contractor obtained a lien under state law, then you have a secured debt which is not as simple to discharge in bankruptcy. You should see a lawyer to review all the paperwork you have on the project.
Answer Applies to: Oregon
Replied: 7/29/2016
    Law Office of Michael Johnson
    Law Office of Michael Johnson | Michael Johnson
    Yes.
    Answer Applies to: Florida
    Replied: 7/29/2016
    Patrick W. Currin, Attorney at Law | Patrick Currin
    Yes.
    Answer Applies to: California
    Replied: 7/29/2016
    Richard B. Jacobson & Associates, LLC | Richard B. Jacobson
    I think you are asking if the jet to the home improvement person can be discharged. If the contractor has a mechanics or construction lien on your property, then you will have to work with him or her. If, on the other hand, there is no lien, but simply an agreement to pay, then the obligation can be discharged. However state laws about the rights of contractors very considerably, and some of them have nasty surprises. Therefore, it would be a very good idea to consult an experienced bankruptcy lawyer in your locality who is also well-informed informed about construction law. Since construction law issues come up fairly frequently in bankruptcy cases, probably any bankruptcy lawyer with years of experience could advise you.
    Answer Applies to: Wisconsin
    Replied: 7/29/2016
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