There are many facts that are unclear from your question. For example, how long ago did you buy the property? Were there attorneys or a title company involved? If the closing went through all of the proper channels and you closed at the title company, they will have sent the deed to the county for...View More
There are many nuances as to whether or not you can/should keep your house, and the amount that you owe on the house compared to its value also play into the bankruptcy equation, but the simple answer to this is that if you are keeping your house, you'd continue to pay the mortgage as usual.
This is impossible to say with certainty without seeing the actual contract and the reason for "breaking" the contract. Most contracts will provide certain provisions whereby it is legally OK to walk away & get your earnest money back (I assume this is what you mean) but without a...View More
First offer was submitted in December 2017. Newsest offer was March 1, 2018. They had our original earnest money the whole time. We assumed that meant we still had a deal. Now no one can find paperwork confirming they told us that. We have a text message from the realtor stating this. What can we... View More
There should be a contract in place and I am assuming that you don't have a lawyer- you should take the contract - if any exists- along with all correspondence, documents, etc. to a lawyer for immediate evaluation- the lawyer can tell you where things stand legally as this is not the type of...View More
That is going to depend on several factors, including whether or not the spouse has any debt, the value of what is owned, how many exemptions you have, etc. I see that you are in Springfield, please contact a local attorney in your area as bankruptcy is complex; they can best advise you once they...View More
I am an individual creditor & I do not want the debt owed me discharged. I have a judgement from family court saying the other parent has to pay me back overpayments that stemed from false child support claims she made. The other parent in question has filed Chap. 7. The notice says no... View More
While more facts are needed and documents must be reviewed, it sounds like you might have the type of debt that is excepted from discharge in which case the appropriate steps must be taken with the court. Bankruptcy laws and family laws are complex, you need to get in to speak to a lawyer asap as...View More
Debts haven't become collections yet. Will I get sued? How can I avoid that if I'm not willing to put aside school for 3 years to go through a debt consolidation program? Is bankruptcy my only option? Which type? I'm in Illinois and I don't have any assets.
It depends on what your goal is. It sounds like you are not interested in saving your house and are willing to leave since you can no longer afford it. There may be different options available to you depending on your circumstances and what you wish to ultimately accomplish, as well as where the...View More
This could be a whole book in itself but the short answer is that Chapter 7 eliminates unsecured (example: most credit cards, medical bills, etc) debt where Chapter 13 is a repayment plan. Both have their advantages and disadvantages and usually it is not a matter of which one you want to do, but...View More
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