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Questions Answered by Robert J. Semrad
3 Answers | Asked in Bankruptcy for Illinois on
Q: I have several unsecured debts, will it be a problem if I payoff a 2 debts 6 months prior to filing Ch 7?

I have 2 lawsuits which is the reason why I want to payoff those 2 debts because I cannot file Ch. 7 till June of 2021.

Because I will start to pay full alimony to my ex-wife starting December 1st 2020 which will bring net income to almost zero, that is why in June 2021 I will file Ch.7.

Robert J. Semrad
Robert J. Semrad answered on Nov 17, 2020

Hello,

If you would like to receive a free phone consultation with an attorney please call us at 773-654-4518.

Thank you

DebtStoppers

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1 Answer | Asked in Bankruptcy for Georgia on
Q: Regarding chapter 7 bankruptcy: Can your business debt get discharged if the debt is used for investing?
Robert J. Semrad
Robert J. Semrad answered on Nov 16, 2020

Hello,

If you would like to receive a free phone consultation with an attorney please call us at 404-381-8640.

Thank you

DebtStoppers

3 Answers | Asked in Bankruptcy for Illinois on
Q: I cannot rent my own apartment, I am living at extended stay hotel can I use that as my monthly rental expense for ch 7?
Robert J. Semrad
Robert J. Semrad answered on Nov 16, 2020

Hello,

If you would like to receive a free phone consultation with an attorney please call us at 773-654-4518.

Thank you

DebtStoppers

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3 Answers | Asked in Bankruptcy for Illinois on
Q: is the property's rent and mortgage included in the Ch. 7 means test?

The sole owner is my ex-wife but the mortgage is under my name, she files on her tax return all rental income and she handles mortgage payments.

Robert J. Semrad
Robert J. Semrad answered on Nov 10, 2020

Hello

Thank you for reaching out to us. Please let me know what is a good number and when to call you so I can set up a free phone consultation with an attorney.

Regards,

DebtStoppers

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1 Answer | Asked in Bankruptcy for Georgia on
Q: I filed a Pro Se Ch. 7 in 2015. Can I contest the court to have my student loans discharged 5 years after the fact?

I was unemployed for about 9 months in 2015. Which resulted in me filing Ch. 7. I just learned I could have filed a separate motion to have my loans discharged possibly. Can I do that now if I can prove that I lived in poverty from 2015 to 2017 and was unable to repay the loans.

Robert J. Semrad
Robert J. Semrad answered on Nov 9, 2020

Hello,

Thank you for reaching out to us. Please let me know what is a good number and when to call you so I can set up a free phone consultation?

Regards,

DebtStoppers

4 Answers | Asked in Bankruptcy for Georgia on
Q: can debt I am cosigned on be included in my bankruptcy if I have a financial POA for my mom

My Mom is incapable of handling her debt . Can I file BR and include her debt I am cosigned on ?

Robert J. Semrad
Robert J. Semrad answered on Oct 26, 2020

Hello

Thank you for reaching out to us. Please let me know what is a good number to reach you at so I can schedule a free phone consultation with an attorney.

Regards

Anisa

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