Lawyers, Answer Questions  & Get Points Log In
Questions Answered by W. J. Winterstein Jr.
4 Answers | Asked in Contracts and Bankruptcy for California on
Q: We bought a home 2 years ago that had 9 years left on a solar lease with American Solar Direct. Can we get out?

Our panels generate enough power to run our refrigerator and our electric bills are through the roof. ASD went bankrupt years ago. Can I get out of this lease and have a new company take over?

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Nov 1, 2023

A quick search tells me that ASD went out of business and filed a Ch. 7 (liquidation) bankruptcy.

A debtor in bankruptcy, and/or his creditors and contractors, has a limited (two months) to choose whether to assume any executory contract or to reject it. You are far beyond that deadline,...
View More

View More Answers

4 Answers | Asked in Bankruptcy, Business Law and Government Contracts for Maryland on
Q: Filing Chpt.7 BR. Don't know how to answer "are debts primarily consumer or business debts" as is 50/50 with SBA EIDL.

Debt is unsecured debt, HOWEVER, it is equal debt from credit cards and an SBA EIDL loan that is sub-$25k. So basically, I have $25k in CC debt and $25k in SBA EIDL which is for a SOLE-PROP biz.

1) I do not know how to answer the question as to whether I haver primarily consumer debt or... View More

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Nov 1, 2023

The key to answering all of the Official Form bankruptcy questions is full disclosure. In our opinion, you can answer either way, but the rest of the questions in your completed forms will answer this question adequately, if full answers are given.

With your intent to file for relief,...
View More

View More Answers

2 Answers | Asked in Bankruptcy and Landlord - Tenant for Maryland on
Q: Filing Chapter 7 in MD this week. I also have an eviction (rental) hearing next Monday. Question on letting court know

Once filed, how do I let the District Court know that I filed for bankruptcy so that the hearing does not proceed on Monday, Nov. 6th? (As of course, once you file for Chapter 7 bankruptcy, there is an automatic stay/injunction.)

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Oct 31, 2023

Assuming you have the Clerk's/Court's contact info from your Notice of the eviction case, the quick way is to telephone the Court/Courtroom Deputy, during working hours, and provide the name of your bankruptcy court, with the Bankruptcy Case No., and date of filing. A more reliable way... View More

View More Answers

3 Answers | Asked in Bankruptcy for Tennessee on
Q: I filed chapter 13 bankruptcy and I included my auto loan in the plan but capital one still haven’t filed a proof of

Claim and it has reached the deadline can they still file a late claim to continue to make payments threw my bankruptcy or what will happen

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Oct 30, 2023

A debtor has the option of filing a Proof of Claim for a debtor, and it sounds as if you should do that, so that plan payments flow to the secured creditor. The Chapter 13 Trustees pay on filed Proofs of Claim.

Of course, you should confer with your bankruptcy attorney first before taking...
View More

View More Answers

1 Answer | Asked in Estate Planning and Probate for Pennsylvania on
Q: How do we start the process of removing the executor?

My sister is executor, my mom passed May 2020, and had a very simple estate. Still not closed out, and she will not respond to emails from me or the probate attorney. There are deposits in moms name she will not clarify where they are

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Oct 25, 2023

This issue, and your questions, should be addressed to your probate attorney.

In PA, every personal representative, whether executor named in a probated will or and administrator, both appointed, and entrusted, by the court, is required to file an Inventory of all estate assets. That...
View More

4 Answers | Asked in Bankruptcy and Real Estate Law for Florida on
Q: A home mortgage was discharged under a previous bankruptcy. Is a mortgage still discharged after a refinance?

The home is on my name alone. I refinanced later. The new note has my wife and me as borrower, and owners!? can she file bankruptcy without loosing home in Florida?

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Oct 25, 2023

In a Ch. 7 bankruptcy, no lien is discharged (thanks to a US Supreme Court opinion in the Dewsnup case, despite Bankruptcy Code language to the contrary).

What is discharged, however, is an unsecured deficiency amount in the Mortgage indebtedness.

Some liens can be converted to...
View More

View More Answers

2 Answers | Asked in Estate Planning and Real Estate Law for Pennsylvania on
Q: Can a parent leave a house to their adult children if there's outstanding debt?

My father doesn't think he can leave my sister and I the house because he says the bank still owns it technically. He doesn't know where the deed is, but the courthouse should have it. I don't know what to do. He's in a rehab facility currently, he's 82. He says he said the... View More

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Oct 18, 2023

Yes, of course, assuming the property is located in PA. The owner of the property (him) owns the property, and the bank with a mortgage against the property has a mortgage lien against the property. So long as payments are made in accordance with the mortgage Note, the bank had no right to... View More

View More Answers

1 Answer | Asked in Contracts and Collections for Pennsylvania on
Q: I just got a bill from a plumbing company. Work was done by the guy he bought out and he billed me right before he sold.

The original plumber sent me an unitemized bill one year after the work. The verbal quote was less than 1/3 of the bill. I asked for more information. He sold the company. I called the new owner and he said I did not have an outstanding bill and all was good. One year later he bills me for the work... View More

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Oct 17, 2023

"Can he"?

Sure. Anybody with a couple hundred dollars for the court costs can sue anybody else for any reason.

But can the plaintiff win on what gets filed?

There's the rub, lol. From what you say, it sounds like this plumber's claim would fail. BUT,...
View More

2 Answers | Asked in Bankruptcy and Real Estate Law for District of Columbia on
Q: I am owing the person I bought my house from and they want me to sell the house at a reduced rate reducing by every mont

they're afraid that I would not sell the house so they said I have to reduce it by 10k every month until I get an offer or we go back to court. I'm wondering if there is a law or some kinda of stipulation that I won't be so caged in this tight constraint but still give them the... View More

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Oct 16, 2023

What the other party demands has no force if a court does not order accordingly.

Assuming, though you have not said so, that you are in a Ch. 13 bankruptcy, the more common provision is to provide, in a Plan, a one-year (or shorter) "drop dead date", by which the property will be...
View More

View More Answers

3 Answers | Asked in Bankruptcy for Florida on
Q: I have a straightforward chapter 7 bankruptcy case that I want to file. The one complicated thing is that my mothers pen

My mothers pension check is auto deposited into my checking account and I use that to pay her assisted living home and her prescriptions store. I don’t know if I need to put that as income because it’s in my account or if i Can leave it off the financials.

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Oct 13, 2023

When you file for bankruptcy relief, you must answer all the questions in the several Official Forms, *under penalty of perjury*.

As it lies, you have a doable debt/asset issue; BUT, if you "leave it off", you will be committing perjury, probably several counts thereof, and...
View More

View More Answers

3 Answers | Asked in Bankruptcy and Foreclosure for Kentucky on
Q: How do Stop A Foreclosure,When Miss A payment by Mistake when your in Chapter 13 Bankruptcy Program?
W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Oct 10, 2023

When in an active bankruptcy case, especially a Ch. 13, there is an automatic stay of any actions against the property of the debtor's estate and/or the debtor, to collect a debt.

In order to proceed with a foreclosure case in a non-bankruptcy court, the foreclosing creditor must...
View More

View More Answers

1 Answer | Asked in Probate for Pennsylvania on
Q: Am I able to disclaim an inheritance?

My mother lived in Pennsylvania and recently passed. I live in Texas, and I am unable to go to Pennsylvania. Me and my fiance do not have the money to make the trip. We are also out of paid vacation time for the year, and it would create financial hardship for us.

Someone told me that I... View More

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Oct 10, 2023

Yes, you can disclaim your inheritance. There are time limits. Usually, a disclaimer is done for tax reasons.

You should have no need to attend any court hearings in PA if you are only a named beneficiary in the decedent's Last Will. However, if you are named as the Executor, an...
View More

1 Answer | Asked in Estate Planning for Pennsylvania on
Q: I settled my sisters estate and closed the account. I am the beneficiary and the executrix of her will.

Shouldn't the bank make the check payable to me

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Sep 29, 2023

After the passage of one year from the date of first publication in a newspaper of general circulation in the county where the probate is, and after all due debts have been paid, yes, as sole beneficiary, you should get the residual estate proceeds. The bank should honor your check (as Executor,... View More

1 Answer | Asked in Landlord - Tenant for Pennsylvania on
Q: Can my roommate sue me after moving out only being here for a week. I havnt signed a lease or anything.

I decided to move out to Pittsburgh PA due to start a new life. My friend offered me a room in exchange I pay half rent. Well a week into living here I got a call from my mother explaining her soon to be surgeries and she will need a care taker full time so I'll have to move back to take care... View More

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Sep 15, 2023

Anybody with a couple hundred bucks can sue anybody else. The question is whether they can win.

In your situation, because everything is oral, no writings, other than perhaps the gas bill, and given your mom's needs, my feel is that you can move out with impunity. I don't think...
View More

2 Answers | Asked in Bankruptcy for South Dakota on
Q: I got a letter from my second mortgage saying I need to make a ballon payment soon. No way I can afford it or even close

My credit is shot so don't think I can refinance. some one suggested to file bankruptcy. As I red up on bankruptcy it said u can't include second mortgages in bankruptcy. Is that true?? Is there a way around it? What else can I do if I can get a loan to refinance or anything?

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Sep 15, 2023

Bankruptcy Chapter 13, enacted back in 1978, quickly became known as the "save the house" route.

An arrearage in a first mortgage debt can be cured, *at no accrual of interest*, in a Ch. 13. More relevantly, a second mortgage debt can be similarly treated. And if it can be...
View More

View More Answers

2 Answers | Asked in Bankruptcy and Business Law for Florida on
Q: If you have a business and refinanced a vehicle loan for your business using your mortgage, can you file bankruptcy?

We used our mortgage to help refinance our business vehicle. We may need to file bankruptcy for the business. Will it hurt our mortgage loan?

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Sep 13, 2023

The answer mostly depends upon the type of *legal*entity that you've put the business into. A corporation, LLC, etc., is eligible to file a bankruptcy itself, as is a partnership. A sole proprietorship, however, is not a separate legal entity, and a bankruptcy of it will necessarily bring... View More

View More Answers

1 Answer | Asked in Civil Rights and Collections for Pennsylvania on
Q: How to respond to a collecting agency mail letters and calls?
W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Sep 11, 2023

Keep track of all calls and letters, and any other form of contact, including any efforts to contact you or your employer at work. Applicable laws may entitle you to make a successful claim against the collector.

If you engage counsel, a simple letter from you or counsel to the collector...
View More

2 Answers | Asked in Bankruptcy and Consumer Law for Arkansas on
Q: Company I bought mobile home is filing chapter 11 bankruptcy

Yes they are filing bankruptcy and it says in paperwork if I want to be relieved of debt I have to respond to it or file something if I don't want to settle for what they offer in trying to figure out what I should do?

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Sep 11, 2023

Your post omits almost all the facts necessary to answer your question.

That said, there are two basic types of Chapter 11 cases: one is a financial reorganization, and the other is a liquidation. Often, in a liquidation, a bankruptcy trustee is appointed, or at least the attorney for the...
View More

View More Answers

2 Answers | Asked in Bankruptcy, Business Law, Contracts and Tax Law for Georgia on
Q: I own a condo in a business name and my business partner is considering filing bankruptcy, would we need to sell condo?

So that I am not impacted, would we need to sell the asset in order to not have it taken in a bankruptcy? Are there any other impacts to me if my business partner goes through with this?

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Sep 8, 2023

Yes, there are "impacts" that concern you (I currently represent a debtor in a Ch. 7 who has been a general partner in a small business construction company which has had a non-bankrupt general partner as well).

A general partner is personally liable for the debts of a...
View More

View More Answers

4 Answers | Asked in Bankruptcy and Banking for Colorado on
Q: When the bank holds the title on a vehicle but won't repossess it when the loan is in default. How can I get rid of it?

It's a large motorhome and I have no place to keep it. Can't afford to store it

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Sep 6, 2023

In a bankruptcy case, you are given the right to return collateral to the secured lender in exchange for full satisfaction of the secured claim of that lender.

Short of that, the terms of your Security Agreement, with applicable Colorado law, apply.

In particular, what does the...
View More

View More Answers

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.