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Questions Answered by Carol Cadiz
1 Answer | Asked in Real Estate Law for Illinois on
Q: I bought a property from someone and never received the deed. Can I sue them and get my money back for the deal?
Carol Cadiz
Carol Cadiz answered on Jan 17, 2019

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... Read more »

3 Answers | Asked in Bankruptcy for Illinois on
Q: I know little about this. If I file for bankruptcy and want to keep my house; can I keep my mortgage obligations?
Carol Cadiz
Carol Cadiz answered on Nov 28, 2018

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.

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1 Answer | Asked in Real Estate Law for Illinois on
Q: I'm in the process of buying a condo.

If I decide to break the contract during escrow, how much of my money can I get back?

Carol Cadiz
Carol Cadiz answered on Apr 13, 2018

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 legally... Read more »

1 Answer | Asked in Real Estate Law for Illinois on
Q: We're told 2 get preapproval letter for house. Got it and resubmitted. Now owner wants 5 grand 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... Read more »

Carol Cadiz
Carol Cadiz answered on Mar 6, 2018

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 issue... Read more »

1 Answer | Asked in Real Estate Law for Illinois on
Q: Do you handle cases for Chicago ? If not can you please refer a lawyer .

It's commercial

Carol Cadiz
Carol Cadiz answered on Aug 22, 2017

This depends on what kind of "cases". Since you ask under "real estate law", I am wondering if you mean residential real estate closings, in which case the answer is yes.

3 Answers | Asked in Bankruptcy for Illinois on
Q: If one spouse files for bankruptcy, is it best for both to do so in order to protect/exempt jointly owned property?
Carol Cadiz
Carol Cadiz answered on Jun 13, 2017

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... Read more »

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2 Answers | Asked in Bankruptcy, Family Law, Child Support and Collections for Illinois on
Q: I'm a prose creditor, is my debt nondischargeable if I have a child support related judgement based upon falsification?

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 property... Read more »

Carol Cadiz
Carol Cadiz answered on Mar 13, 2017

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... Read more »

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3 Answers | Asked in Bankruptcy for Illinois on
Q: I owe 26k in credit card debt but have been unemployed for months now. Going to school next year. Bankruptcy only option

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.

Carol Cadiz
Carol Cadiz answered on Feb 13, 2017

Its impossible to tell you your options with an online site but given your situation, it sounds like you should explore your options with a bankruptcy lawyer in your area. Good luck

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2 Answers | Asked in Real Estate Law for Illinois on
Q: How to request lender take possession of property? Mortgaged property no longer primary care residence.

Due to continued financial hardship since Feb 2016 can no longer afford mortgage payment. What terminology should be used? Request release from ownership? Transfer of ownership?

Carol Cadiz
Carol Cadiz answered on Jan 15, 2017

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... Read more »

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1 Answer | Asked in Bankruptcy for Illinois on
Q: What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Carol Cadiz
Carol Cadiz answered on Oct 30, 2016

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... Read more »

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