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Questions Answered by W. J. Winterstein Jr.
3 Answers | Asked in Bankruptcy for Florida on
Q: Where can I obtain information on what was discharged with my bankruptcy?

I am currently in graduate school and my school is requesting I obtain legal information regarding if my student loans were or were not discharged. I did my bankruptcy pro se so I don't have a lawyer. The bankruptcy officially discharged today and although I know it is rare for student loans... View More

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Aug 4, 2023

In every bankruptcy case I've done, the Order of Discharge is a brief form, and basically says that the debtor is discharged from liability for all dischargeable debts, without listing any of those debts specificallyl

It's up to you, and your lawyer, and the creditor, and its...
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2 Answers | Asked in Bankruptcy and Business Law for Missouri on
Q: What happens when you declare bankruptcy for your business? Will they come after personal assets?
W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Aug 4, 2023

If your business is a sole proprietorship, then yes, when you file for bankruptcy relief, all assets and liabilities of both you and your business are submitted to the bankruptcy court and subject to the claims of creditors.

If your business is in corporate form, and you've been...
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2 Answers | Asked in Bankruptcy for Illinois on
Q: Bankruptcy

I have a 20k personal loan for my hyuandi and a car loan on a 2017. The 20k has my hyuandi on it that took a dump. If I file bankruptcy on my 20k loan. Can they take my new car, the 2017 as well or will I get to keep that car?

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Aug 3, 2023

When you file any sort of bankruptcy case, you sign Official forms under penalty of perjury that you've listed every claim against you, whether you acknowledge it or not, and every asset (broadly defined). IOW, you cannot declare bankruptcy on selected debts or assets.

The answer to...
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3 Answers | Asked in Civil Litigation, Estate Planning, Landlord - Tenant and Probate for Pennsylvania on
Q: Can an executor of a will evict family members from a house? Need to sell.

The owners have passed away, family members refuse to leave but have not paid bills, I had to pay in order to keep utilities on. The house has been left to me and I am also the executor of the will. I need to sell the property, in order to sell it they need to move out so I can clean and get... View More

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Aug 2, 2023

I see no impediment to the Estate's immediate right to possess the real property, and you are, as Executor, the voice of the Estate.

So yes, especially given that you are the heir to the home property, your request for eviction, for at least the given reasons, should be honored.

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2 Answers | Asked in Estate Planning for Pennsylvania on
Q: I would like to establish a PA Revocable Living Trust for my estate. How can I find an attorney experienced in RLTs?

Moving from Maryland to New Holland, PA soon.

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jul 27, 2023

I agree with my colleague that you've started out well in Justia (you can find PA lawyers who have done many in PA, as have I).

Many life insurance companies, hoping to sell you whole or term life or health insurance, or disability insurance, or whatever, provide "form"...
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3 Answers | Asked in Bankruptcy for Georgia on
Q: How long does is take to file a Chapter 7 after all documents have been turned in?

I want to file Chapter 7. I have turned in all documents asked and both case had been filed as of 8 days

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jul 26, 2023

No two cases are alike, and no two clients, who generate necessary factual information, are alike either.

The preparation of the full Bankruptcy Schedules requires across the board info from the client, both currently and for as long as six years ago.

I've been doing bankruptcy...
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3 Answers | Asked in Bankruptcy, Business Law, Collections and Consumer Law for Louisiana on
Q: Hello, I’ve paid a debt collector last year through a 3rd party collection agency. Now another agency ask for payment.
W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jul 24, 2023

You don't ask a question here, just offer up a few facts.

Apparently, however, you are having debt issues. Imho, you have chosen the most expensive way to deal with those debts.

I strongly advise you to consult with a professional about your entire debt/asset/income...
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2 Answers | Asked in Estate Planning and Probate for Pennsylvania on
Q: In PA is a beneficiary entitled to gifts from a decedent's will if the beneficiary dies before probate is finalized?

A beneficiary was named in a Pennsylvania will. The will went to probate in PA courts, but the beneficary died before the probate and any gifts were distributed. It had been over 1 year and 6 mts since Probate started. The executor is stating that the beneficary will not receive the gifts... View More

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jul 22, 2023

The key to the answer to your question is the wording of the Will admitted to probate. If the Will states that the beneficiaries take PER STIRPES, meaning, roughly, "branch", then that beneficiary's Estate, wife and children or heirs will take the inheritance. If the Will does not... View More

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1 Answer | Asked in Bankruptcy for Wisconsin on
Q: can I file a case against a creditor in Bankruptcy court and Civil court?

I reopened my Bankruptcy case to file sanctions against a creditor for violating the discharge injunction. Can I also file a case against the same creditor for Fraud in Civil Court.

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Jul 19, 2023

In theory, IF your sanctions and fraud claims are based in different transactions/facts, yes, you probably can initiate two separate actions.

You don't disclose any facts in your question, and those would be key to deciding which court has primary jurisdiction. It may well be better...
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2 Answers | Asked in Bankruptcy and Banking for Florida on
Q: Is it possible to take out a loan from a bank when one of your direct family members is already in debt?

A friend of mine is in college and she tried to get a loan to pay for college, but apparently because her mother is in debt, she isn't able to get a loan.

Edit; this person is 21, She tried to take out a loan originally but they claimed that since her direct family member (her... View More

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jul 18, 2023

I agree with Ms. Lipan's short take, but there's more, of course.

Your question raises a plenitude of issues, most of them not questions of law:

With almost all of the nation's banks attempting to beef up their respective capital coffers, and the Fed causing not just...
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2 Answers | Asked in Bankruptcy, Tax Law and Identity Theft for Arizona on
Q: I’m filing chap 7 bankruptcy pro se & am listing all my debts. I have a 2020 overdue tax of $4K from someone who…

…stole my identity. Should I still include this in my list of debts since ‘technically’ it’s filed under my identity? Or not include it? I don’t want to delay the process or worse have my petition denied based on omission. On the other hand, if I list it, won’t that be considered as... View More

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jul 15, 2023

If you look at the Official Bankruptcy forms, you will see that there is a column to note whether the CLAIM is disputed, contingent or unliquidated. Your obligation is to list all CLAIMS against you, and the holders of those claims, whether you agree with the claim or not (unlisted creditor's... View More

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2 Answers | Asked in Bankruptcy, Divorce and Family Law for Georgia on
Q: In a divorce If I am awarded the house with an active chapter 13 will the mortgage company let me assume the mortgage?

What route should I take ? I am worried about having a place to live .

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jul 15, 2023

For most debtors, the primary purpose of Chapter 13 is to "save the house".

Ch. 13 enables you to retain the property, make current payments as they fall due, and cure any mortgage deficiency by paying the amount past due on the mortgage debt over the period of the plan (up to...
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1 Answer | Asked in Bankruptcy, Estate Planning and Foreclosure for Arizona on
Q: An irrevocable trust, property as an asset in that irrevocable trust, and collection of delinquent HOA fees in Arizona.

I and my wife are the beneficiary of an irrevocable trust (the settlor is deceased). After speaking with the trustee/attorney, we chose to not transfer the title out of the trust until my wife and I felt comfortable. In addition, my wife and I live in the home (and have since before the trust was... View More

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jul 13, 2023

Have an experienced attorney in AZ examine your HOA covenants with a title examination of the residential property. Most probably, The Homeowner's Association enjoys written covenants in the real estate records that apply to each property and give it a right to impose the debt with priority... View More

1 Answer | Asked in Bankruptcy for Texas on
Q: Can I apply for a payday loan if I have not had my final confirmation in chapter 13 bankruptcy?

I have had an emergency pop up and don't have the cash to cover it before my next payday.

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Jul 12, 2023

Of course, you can ask/apply.

However, legitimate lenders, perhaps even payday lenders, want to see a General Order of Discharge in any pending bankruptcy case before funding a loan.

Just personally, imho, there is no safer borrower out there than one who recently got a bankruptcy...
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3 Answers | Asked in Foreclosure, Civil Litigation and Civil Rights for Pennsylvania on
Q: How can I move my civil case forward when judge stated that the case is not yet close
W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jul 5, 2023

I've seen two methods of litigation concerning mortgage foreclosures: the first is foreclosure of the mortgage after due notice of acceleration of the debt evidenced by the Note, and the second is to sue on the Note alone, with the Mortgage reserved for post-judgment relief.

Assuming...
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1 Answer | Asked in Probate for Pennsylvania on
Q: I'm opening filing a will in regester of wills in Pennsylvania to open up an estate for a deceased parent. Can

I start advertising it immediately or do I need to have the Judge approve the violitity of the will and start the probate.

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Jul 4, 2023

The Registrar of Wills in the county where the decedent passed will initially determine whether the Will is admissible for probate. Once accepted, yes, the named Executor/Ececutrix should arrange for the immediate publication of that fact, with the contact info of the named personal... View More

1 Answer | Asked in Bankruptcy for Florida on
Q: Can my Corporate vehicles be effected (repo) if there is a default on our corporate credit cards?
W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Jun 27, 2023

Your best answer to that question starts with the wording, particularly the default provisions, of your Security Agreements with each lender. Often, one of the provisions enables the secured lender to declare a default and accelerate the debt "if/when the lender feels insecure". A... View More

2 Answers | Asked in Bankruptcy for Georgia on
Q: When should an attorney file violation of the automatic stay? We disagree on intention of Code 362 and I'm no expert.

I'm 2yrs into a 13. When I enforce HOA to act (repair/replace/maintain) twice on separate occasions their rep's have responded with "oh and by the way...you owe this on your bankruptcy; attached is an account ledger; we advise you to reach out to our (sic) attorney's to... View More

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Jun 20, 2023

I generally agree with my colleague's prior answer, but for more pointed reasons.

The US Supreme Court recently handed down a major bankruptcy ruling about creditor violations of the automatic stay, and especially with respect to its ruling that the bankrupt debtor must now...
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2 Answers | Asked in Bankruptcy for Ohio on
Q: Can my non filing spouse pay cash for a motorcycle while I am in a chapter 7 bankruptcy?

I have filed chapter 7 bankruptcy (not discharged yet), my wife is a non filer. Can she pay cash for a motorcycle she wants while I am in chapter 7, and not it affect my bankruptcy?

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Jun 9, 2023

Did you file your bankruptcy with counsel? If so, that lawyer is your best source of advice, because your question gives no factual background, e.g., what info is in your schedules, and whether a decision has yet been made about whether your filing is an abuse of the bankruptcy process, e.g.,... View More

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2 Answers | Asked in Estate Planning and Probate for Pennsylvania on
Q: Our father died intestate in Pennsylvania. How do we claim remaining assets?

He required round the clock nursing care so was in a nursing home. My sister had POA and we had to liquidate his assets to pay medical bills. One investment firm, Putnam, refused to recognize the POA while he lived, and even though our father passed in 2009, they still hold onto this one remaining... View More

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Jun 4, 2023

I agree with the prior answer by counsel, with a caveats.

When someone, e.g., a bank, a custodian of accounts, refuses to honor a POA, the time to resolve that issue is while the grantor under the POA is still alive. Powers of attorney, even the "durable" sort, expire at death of...
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