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Questions Answered by Lamya A. Forghany

1 Answer | Asked in Bankruptcy for Florida on

Q: If I file bankruptcy will they take my house and vehicles? I owe 14000 in credit card debt

Lamya A. Forghany answered on Jan 22, 2016

Typically no. As long as you keep paying for your home and cars, you can keep them. Its important to find a bankruptcy attorney in your area that can help you

1 Answer | Asked in Bankruptcy for Massachusetts on

Q: On a ch 7 or 13 means test: can voluntary IRA deductions of non-filing spouse be applied as a marital adjustment?

Lamya A. Forghany answered on Jan 22, 2016

That depends on a couple of factors. How much, and when they started contributing. Let me know if you still have questions.

1 Answer | Asked in Bankruptcy, Consumer Law and Employment Law for Massachusetts on

Q: Can changes be made to my Loan Modification Agreement if I became unemployed in the process?

A little over a year ago, I requested a loan modification agreement while I was employed full-time. January 2015, I lost my job and filed for unemployment where I collected for 6 months until my benefits ran out. Unfortunately, I still have no job. There was a 3 month trial period, which my sons... Read more »

Lamya A. Forghany answered on Jan 22, 2016

That is a tough one. It is true that you can qualify for a modification once every 12 months, HOWEVER, if there is a change is circumstances, then you could always apply again. I would call the bank and find out what your options are. If you still need help, feel free to call me.

1 Answer | Asked in Bankruptcy for Kentucky on

Q: Can I list an expected tax check under assets to prevent it from being intercepted when filing ch.7 bankruptcy?

Lamya A. Forghany answered on Jan 22, 2016

Yes you can. Depending on your state exemptions, you can exempt any anticipated tax returns. I would call a local attorney to help you through the process and make sure that is the case for your district.

1 Answer | Asked in Bankruptcy for Kentucky on

Q: I filled bankruptcy on my second Line of mortgage but I still payed it now the interest has gone up and I can't pay

Just want to no what we I'll happen if I can't pay any more

Lamya A. Forghany answered on Jan 22, 2016

If you filed bankruptcy and you included your 2nd MTG in it, then you are not financially obligated to pay it. However, this can impact your home. You should call your bankruptcy attorney to help you.

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