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Washington Bankruptcy Questions & Answers
2 Answers | Asked in Bankruptcy for Washington on
Q: Hi im filing Chapter 7 bankruptcy

I also found a lawfirm that removes information from my credit, do those 2 things conflict if done at the same time?

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jun 5, 2019

Removing derogatory information in your credit report does NOT absolve you of the underlying debts that caused the information you want removed. Filing a Chapter 7 may result in getting rid of some or all the debts--but your credit report will then contain that information.

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1 Answer | Asked in Bankruptcy for Washington on
Q: Chapter 7 , mortgage related questions

If I file a chapter 7, and want to reaffirm my mortgage, that is past due 120+days , would I have to become completely current or up-to-date before the mortgage company will agree to reaffirm or work with me on making arrangements. And after I file chapter 7, if I understand correctly, the mortgage... Read more »

Timothy Denison
Timothy Denison answered on May 10, 2019

It varies from lender to lender what they will require or permit. The stay prohibits all contact. If you reaffirm the mortgage, you must do so before the case is closed. If not, you simply walk away.

1 Answer | Asked in Bankruptcy for Washington on
Q: Filed emergency 13 to save home in sept. Just filed again to work out modification. Will it put a stay on sale?

Filed emergency 13 in sept was dismissed. I did not follow through I just filed again will it stop the sale of my home?

Timothy Denison
Timothy Denison answered on Mar 25, 2019

Temporarily.

1 Answer | Asked in Bankruptcy for Washington on
Q: Filed 13 to stop sale of home in sept was dismissed. I just filed again will it stop sale while i do modification
Timothy Denison
Timothy Denison answered on Mar 25, 2019

Only temporarily. You’d better hustle.

1 Answer | Asked in Bankruptcy for Washington on
Q: Rough Payment Calculation for Ch 13 Bankruptcy with No Secured or Priority Debts

I was disabled by injury 6 months ago and can no longer work. I receive regular money from the government but have next to nothing left over after basic expenses. I am now severely in debt due to medical bills and less income and can’t afford my minimum payments anymore. I contacted my credit... Read more »

Timothy Denison
Timothy Denison answered on Mar 18, 2019

You need to consult competent bankruptcy counsel who is knowledgeable in student loan modifications and/or forgiveness. Only after you run the guidelines can you have a real idea of what your actual payment could be.

2 Answers | Asked in Bankruptcy for Washington on
Q: I owe 23K on a car worth about 18K- payments are current will I be able to reaffirm this debt in CH7?
Timothy Denison
Timothy Denison answered on Mar 11, 2019

Yes, if that is what you want to do.

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1 Answer | Asked in Bankruptcy for Washington on
Q: Hey I bought a car jointly with my girlfriend. We have since broke up and she’s about to claim bankruptcy. What options?

I now have the car we figured I would just switch it in my name when it’s paid off. The interest is really high on it though. I am able to still pay it off but my credit is not high enough to put it in my own name, or to even get a refinance. But when she claims bankruptcy does that affect my... Read more »

Timothy Denison
Timothy Denison answered on Feb 3, 2019

Unless there is equity in the car, it won’t matter. Even then, she can protectabout $3,560 in equity. If you keep paying for it, you should be able to keep it.

1 Answer | Asked in Bankruptcy for Washington on
Q: What is the definition of Income for bankruptcy?

Looking at the definitions there isn't anything really explaining "income". "income" has been defined by the Supreme Court very well when dealing with the Income Tax. Would this be the correct definition to fall back on?

"Equally well settled is the rule that... Read more »

Timothy Denison
Timothy Denison answered on Dec 15, 2018

Both definitions you cite qualify as income.

1 Answer | Asked in Bankruptcy for Washington on
Q: We have jointly owned car and rv he only owns half the house. How can we fix this? Ex wife not cooperative.

In bankruptcy involving ex-wife, dual ownership of the home, we have jointly owned vehicle and RV that have loans. Don't mind losing the rv, but where we live a car is necessary. 1. Would he lose the whole house even if it jointly owned with the ex-wife? 2. Would we be able to keep the car?... Read more »

Gordon Charles Webb
Gordon Charles Webb answered on Dec 2, 2018

Hire a bankruptcy lawyer.

1 Answer | Asked in Bankruptcy for Washington on
Q: I incurred old tax debts before Marriage and tried to resolve for a fresh start. I want to know

If filling for Bankruptcy would be a better alternative for a fresh start?

Timothy Denison
Timothy Denison answered on Nov 27, 2018

Not enough information to answer your question. In any event, you should consult an experienced bankruptcy attorney regarding your financial situation before you do anything.

4 Answers | Asked in Bankruptcy for Washington on
Q: Will the hospital ever be able to come after me for unpaid bills once I declare bankruptcy?
David Earl Phillips
David Earl Phillips answered on Oct 26, 2018

If you file a Chapter 7 bankruptcy and receive a discharge of your debts then all listed unsecured debts in your petition will be gone and uncollectible by the hospital. Any new charges after you file bankruptcy would still be yours to pay. Good luck!

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1 Answer | Asked in Bankruptcy for Washington on
Q: I have questions regarding whether to file bankruptcy or not.

I have questions regarding whether to file bankruptcy or not.

1. I have total of over $60000 debts including $12000 on multiple credit cards, $1400 my last apartment, over $50000 on my student loans, and about $600 debt to district court for my traffic ticket. Can I get rid of all my... Read more »

Timothy Denison
Timothy Denison answered on Sep 30, 2018

You cannot discharge the student loans or the fine and cost on the ticket so I’m not sure bankruptcy would help you much.

2 Answers | Asked in Bankruptcy for Washington on
Q: How public are personal bankruptcies? How can I keep mine as private as possible?
Robert C. Hahn III
Robert C. Hahn III answered on Sep 19, 2018

Really you cant keep it private. It is considered public information and is accessible via the PACER court system to the public if they register and are willing to pay 10cents a page to look at your bankruptcy pleadings.

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2 Answers | Asked in Bankruptcy for Washington on
Q: If you file for chapter 7 bankruptcy, during the process, can you purchase the note on the home that you bankrupted?
Timothy Denison
Timothy Denison answered on Aug 31, 2018

Yes, although it may bring serious inquiries from the Court as to where the money came from and how you were able to do so.

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2 Answers | Asked in Bankruptcy for Washington on
Q: What happens if a person who files for bankruptcy wins the lottery? Can he keep the money?
Timothy Denison
Timothy Denison answered on Aug 31, 2018

Depends on when he wins the lottery. Before filing, the money is part of the estate. After filing, you may have to pay off your creditors and keep the balance. After discharge, the money is all yours.

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3 Answers | Asked in Bankruptcy for Washington on
Q: Can I keep my car if I need to file for bankruptcy?
Timothy Denison
Timothy Denison answered on Aug 8, 2018

Yes. If you reaffirm the debt.

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2 Answers | Asked in Bankruptcy for Washington on
Q: In what situations can I file for bankruptcy and still keep my home?
Timothy Denison
Timothy Denison answered on Jul 20, 2018

Depends on your income and equity in the property. Contact an experienced local bankruptcy attorney who can help to determine the right move.

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1 Answer | Asked in Bankruptcy, Foreclosure, Civil Rights and Energy, Oil and Gas for Washington on
Q: How can I find a civil rights pro Bono attorney when municipal and district are my enemy and I'm indigent?

I'm a homeowner who is now homeless with an arrest record and public deffimation of character mearly because a city wants their water plan and new road built, without care for those less fortunate

Timothy Denison
Timothy Denison answered on Jun 29, 2018

Local or state bar association.

2 Answers | Asked in Bankruptcy for Washington on
Q: I’m looking into filing bankruptcy. I would like to learn about the process and types of bankruptcy.

I have a car loan-the car is my only method of transportation. I have some furniture in storage and some small electronics (computer, iPad). Do I lose those ?

Gordon Charles Webb
Gordon Charles Webb answered on Jun 27, 2018

The simple answer is no, if the value of your assets fall within the allowable exemptions then you do not lose those belongings. However, bankruptcy is complex thus you should consult with an experienced attorney for a complete evaluation.

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