I claimed bankruptcy many years ago. I keep getting a notification of an outstanding balance with Caliber Home Loans. The house sold in 2017 for over $40,000 more than what I owed on the house. I am wondering if I am entitled to any of this at all.
answered on Feb 15, 2021
Yes, excess funds above and beyond all of the fees for the foreclosure and sale go to the homeowner.
The court has to be petitioned for the fees. If you need help, reach out to an attorney in the state that the home sold.
Debtor recently filed a chapter 13 and the plan has been confirmed. There is a property owned by the debtor with the ex-wife that the ex-wife is now fully responsible for, per the divorce agreement, but the debtor's name was never removed from the title. Now ex-wife is looking to sell that... View More 
answered on Feb 11, 2021
Need court approval to sell, hire the realtor, hire the closing attorney, and amend the schedules.
The program is for promotional growth and advance. Higher pay and higher position. I was accepted and then taken out of the program. I have not received any disciplinary charges still and that's why they saying I was removed from the promotional opportunity.
answered on Feb 11, 2021
You should speak with an Employment lawyer. It does sound like you have a cause of action against them, but you really should go over your options with a lawyer.
Our appraisal came in good, and the mortgage bank is requiring us to provide a copy of the HOI and PIF invoice. Can someone elaborate further on what this is and where to obtain these documents?
answered on Feb 4, 2021
HOI is Home Owners Insurance. PIF could be paid in full. It sounds like they are asking for you to provide an invoice showing that your homeowner's insurance is paid in full. The simplest way to verify is to ask the bank to explain the acronyms to be sure.
I have a tenant in NJ who will NOT pay rent and knows he can get away with it for the time being due to covid.
Since his lease is month to month, am I able to sell the house to my son, and have the police forcefully remove him after a 2 week notice? I understand there MUST be a reasonable... View More
answered on Feb 3, 2021
No. That doesn't work. You still have to go to court. Your son could evict once he owns the property saying that he owns it and wants to live in an apartment. This is not a compelling argument for most judges at this time.
I live on the top floor of a 2 story house. Downstairs is a couple who are also renting. Landlord is a combat vet and uses it to get some kind of discount, not sure how it works. Landlord insists on cash rent, saying he needs to "keep my footprint low." Last tenant left under very odd... View More
answered on Jan 25, 2021
You can look up the zoning of the house or contact the city. If the house is set up with multiple electric and gas meters I would bet on the house being set up as a multi family.
Look like you can afford $550 a month I need the room back; he is using COVID-19 law as an excuse. And I never mentioned eviction or filed one What can I do? I real want him out mainly because of the smoking that was clearly stated on the agreement not to do. Do we as landlord have any rights with... View More
answered on Jan 7, 2021
You can evict for other reasons not related to non-payment of rent. It gets to be a bit more complicated, but it can be done.
Lost my job I may be late paying the next week
answered on Jan 4, 2021
Yes they have to take you to court. Read the below article.
https://www.wnyc.org/story/nj-extends-lockout-protections-people-living-hotels/
Met them at Food Bank where I volunteer. Have month to month contract. Told them 1 year only and retiring at 64. That was fall 2018 In Oct 2019 I extended it thru June 2020 to keep their son in school. They had 3 kids then. Today, January 2021, I Need to sell my 2 bedroom condo as I’m out of... View More
answered on Jan 4, 2021
Hello,
If they are destroying the property, you can evict them for that. There are still ways for landlords to evict; non-payment of rent is not one of them though. You should also look into the federal rental assistance that is coming. It is first come first serve, and with... View More
All of my debt occurred in a different state and is some years old I and homeless no income at moment. I will soon be filing taxes for the last years as I know it's required. Can you provide free legal aid for my situation?
answered on Dec 4, 2020
Try upsolve.org it is a free filing tool run by a non-profit. If you ask for attorney help, they will sell your contact information to an attorney as a lead. So, if you say you don't want a free tool, you will get a sales pitch.
there is only 60,000 left after bills but I am confused on the law when it says ...spouse gets 25% but not less that 50,000 or more than 200,000....Do I keep the 60,000 with out sharing or ??? Im confused
answered on Dec 4, 2020
I am sorry for your loss. The division of property depends on whether these are also your children or un-adopted stepchildren. If they are your and your husband's kids, you keep everything.
If you have step-children, you probably should talk to an attorney because the division of... View More
answered on Nov 17, 2020
Your location says Noncock, OH, but the question is posted in New Jersey? If you are in New Jersey the evictions courts are not really working at this time. Cases can be filed, but the sheriff's are not performing lock outs.
answered on Nov 10, 2020
I am sorry to hear about termination. You may want to contact an employment lawyer to go over your options.
You may qualify for unemployment. If you have a mental illness, there are other programs that can help.
Is there a probate hearing in Cape May County NJ and how does that work. What if I wish to contest the executor named in the will. My brother is one of the executors and I dont know if I can trust him. What is the requirement of the executor to share all financial records of my deceased mother.
answered on Oct 3, 2020
If you think the Executor is pulling something over on you, you can ask for a formal accounting by the court. These are normally very expensive.
What can i do to get a driver's license is bankruptcy my only option??
answered on Sep 17, 2020
You have options. Talk to an attorney. You may even want to reach out to New Jersey Volunteers for Justice. They have had programs in the past to help people get their licenses back.
Lien is bought and held by private investor. State of New Jersey.
answered on Sep 16, 2020
The lein stays attached to the property and continues to gather interest. If a foreclosure has been initiated, that will be stayed pending the bankruptcy. If chapter 13 is filed, then the lien can be paid off in the chapter 13 bankruptcy.
Lease was split between 3 roommates. It was not a good situation for me to be in so I moved out on June 15. Having paid my part of June and July rent. Giving them 45 days to find a new roommate.
My supervisor said he was sent an email stating my employer wanted to fire me for using a phone during work hours, which I have done previously for over a year. I and another employee, both women of color, were told we were acting suspicious and how they were afraid we were planning a robbery at... View More
answered on Aug 23, 2020
As an at-will employee, you can be fired for any reason as long as it is not discriminatory. However, if only women of color are being told this while others use their cell phones then it may be the basis for a lawsuit / EEOC complaint.
But, if your employer tells everyone not to use... View More
Husband seems to do pretty well we live in a nice house multiple high end cars claims to have substantial debt including a million dollar loan he says that is backed by the house. Offered me a deal to buy him out of the house he wants the down payment he put down back plus about 100k of the equity... View More
answered on Aug 18, 2020
Your soon to be Ex is bullying you and misstating what bankruptcy would do. Get a divorce attorney.
If you and he both own the property as tenants by the entirety, bankruptcy is not going to make the house disappear into his debts. There is a homestead exemption that applies in... View More
My mother in law passed with a will in NJ. One asset in her name, an IRA that transferred to her husband. One small bequest to a non family member ($2,500). All other assets jointly titled all passed to her husband (checking/savings, house)
Can the bequest be paid from checking account... View More
answered on Aug 16, 2020
The IRA probably had a named beneficiary so the will wouldn't matter unless the estate is huge.
And you are correct that the joint items passed to the Hubby as jointly titled. So, if he wants to write a check for $2500 it is up to him. However, he may be entitled to anything not... View More
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