I do not have the funds to catch up on the amount that I am behind on the payments. I also am unable to convert because my lawyer says that I must pay her $3000 to do that. I also have no money to pay the $3000. What (if anything) can I do to salvage my case? My case is set to close at the end of... View More
For starters make sure you can convert. If you own your home the house value may have gone up substantially and a conversion may not be possible. If you can convert, shop around, you can always substitute attorney's and there may be someone who can help you for less than the quoted amount.
It depends on your home value. If the home is worth 200,000 the combination of the State Exemption $69,200 and the liquidation cost of $20,000 would reduce the required payoff to around $10,000. If the house is worth more, the amount you would have to pay in would be less because the liquidation...View More
The question is, can you protect the equity. It depends on your marital status, the type of debt you have and the amount of equity. For example if you are single, and you use the Federal exemptions you can protect up to 27,900 if you use Federal Exemptions or $46,255 if you use State Exemptions....View More
My parent's only asset is her house. She has very little cash. If I loan her money for essential expenses, will I be able to get that money out of the house when it is sold, before Medicaid is eventually reimbursed for nursing home care? Thank you.
I signed reaffirmation agreements for my car and a credit card and I would just like to know how long does it take to be filed and received by the court. I know when you file bankruptcy that it is received by the courts pretty quickly so I was wondering if it worked the same way with reaffirmation... View More
Generally the Reaffirmation Agreements are filed by the Creditor, so its up to them to get it filed. Also I hope the Credit Card was linked to the car loan through a credit union. The Courts rarely allow reaffirmations on credit cards.
My attorney (the one who is representing me in the Chapter 13), wants me to pay her $3,000 to convert. I do not have $3,000, and I am aware that the court only charges a small ($25?) conversion fee. I understand that she wants to get paid for her work, which is understandable. However, I don't... View More
You can refile 8 years after the most recent Chapter 7 filing. You can file a Chapter 13 and 4 years after your most recent Chapter 7 filing. Depending on your circumstances you may want to file the Chapter 13 to stop garnishments etc.
I have been in my chapter 13 for over 2 years and realized I was supposed to supply tax returns and refunds to the trustee but I haven’t. I’m not sure what my next step is as I’m afraid to bring it up and have my case dismissed.
It depends on what Trustee you have and what you did with them money. In a Chapter 13 you are supposed to turn over all of your "Disposable Income" to the Trustee. However, if you have unexpected expenses, like car repairs, or a need to replace appliances, or periods of unemployment,...View More
Im not certain which chapter I would need to file. Im divorced & have no assets. I have less than $20,000 debt, such as judgements from credit cards and a previous landlord, medical & miscellaneous debt. I’m also making small payments on federal student loan debt and am in good standing... View More
Based on the information you provided you would most likely file a Chapter 7 Bankruptcy. Assuming your last Bankruptcy was a Chapter 7 you would qualify for another Chapter 7 since its been over 8 years. One thing you need to consider is any possible inheritance. If you inherit within 6 months of...View More
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