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Questions Answered by Nick Curtis Thompson
2 Answers | Asked in Bankruptcy and Collections for Ohio on
Q: I was on short term disability from job and got paid from insurance plan through work. Can that be garnished. In Ohio

I have been getting money taken out of my check for the a garnishment while I was working but thought Short term disability was exempt? It was for a old judgment.

Nick Curtis Thompson
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Nick Curtis Thompson
answered on Jun 23, 2020

Generally no. Child support and some debts can reach into even social security retirement and disability. Normally judgment creditors cannot attach your disability. Once the check is cashed and placed into a checking account and co mingled with other funds it is completely attachable. So be... View More

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4 Answers | Asked in Bankruptcy and Banking for Virginia on
Q: Can Chase repo vehicle if credit card defaults, and car loan is paid each month?

I live in VA and have a Chase credit card and a Chase vehicle loan. If I default on my credit card, but remain up to date with my vehicle loan, can they repo the vehicle?

Nick Curtis Thompson
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Nick Curtis Thompson
answered on Jun 23, 2020

This generally happens if there is a cross collateral clause in the contract where all the loans are secured by any other loan. These are most often found in credit union contracts. In bankruptcy you can redeem the vehicle and take it from the credit union by paying the fair market value of the... View More

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3 Answers | Asked in Bankruptcy for Kentucky on
Q: My wife is in chapter 13 and owns property outside the plan. Is she allowed to transfer it to me to obtain mortgage?
Nick Curtis Thompson
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Nick Curtis Thompson
answered on Jun 23, 2020

Yes with court approval for most transfers. Whether she can transfer depends on how much equity she has in the property. If the property would not have given creditors any meaningful distribution in a Chapter 7 the judge may allow it.

However. if there is substantial equity for the...
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2 Answers | Asked in Bankruptcy and Collections for Louisiana on
Q: I need to file bankruptcy. I hear that if I fall under a certain income that I can get free or at least financial Help??

I live in Winnfield, LA 71483, need an bankruptcy Attorney in the Alexandria, Louisiana area that can maybe help me with this. Could you maybe help steer me in the right direction??

Nick Curtis Thompson
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Nick Curtis Thompson
answered on Jun 23, 2020

Almost every lawyer gives a free initial consultation. However you get what you pay for. You can get a pro-bono attorney if you have little or no income. But be realistic we can not work for free. We have to pay for the office and our student loans. If the attorney is learning how to file a... View More

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3 Answers | Asked in Bankruptcy and Business Law for Kentucky on
Q: What is the risk of filing Chapter 7 as a single owner LLC?
Nick Curtis Thompson
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Nick Curtis Thompson
answered on Apr 30, 2020

In Kentucky since you own the LLC solely it is solely your asset. A Trustee may be able to sell assets of the LLC. If the LLC had other members this is generally not possible for the Trustee.

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2 Answers | Asked in Bankruptcy for Kentucky on
Q: If a coal company files bankrupt, are they still obligated to fulfill a lease agreement?

In the agreement, they suppose to deed me 8 acres of land once the final bond phase is up. They are currently going through the bankrupt.

Nick Curtis Thompson
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Nick Curtis Thompson
answered on Apr 9, 2020

No! In the bankruptcy petition the Debtor should have announced his option to pay the lease and accept it or reject it. If this is a lease and the bankruptcy was filed during an eviction proceeding the debtor may deposit any overdue funds with the court and accept the lease but immediately cure... View More

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3 Answers | Asked in Bankruptcy for Kentucky on
Q: I'm in a Chapter 13 in Western Dist of KY. Confirmed in 2017. Will I have to turn stimulus check over to trustee?

The CARES act seems to be very clear that the Stimulus money cannot be used as "income" when FILING bankruptcy or when CONFIRMING the chapter 13 plan. The language isn't quite as clear for people currently in a confirmed Chapter 13 plan. Will I be able to keep the stimulus money or... View More

Nick Curtis Thompson
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Nick Curtis Thompson
answered on Apr 6, 2020

The debtor has a duty to use his best efforts to repay. However everything we have heard indicates that you will not have to turn this over.

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2 Answers | Asked in Bankruptcy for Kentucky on
Q: I had filed bankruptcy in 2016 and had filed it on my credit cards, now I have to give my lawyer another 500.00 to get

It taken off. Well she went through district court instead of bankruptcy court. I have sold my place. Is this legal?

Nick Curtis Thompson
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Nick Curtis Thompson
answered on Mar 5, 2020

District court is not bankruptcy court. Bankruptcy court is in the federal courthouse not the state district court.

Bankruptcy is in Bankruptcy court. If you discharged your bankruptcy I don't understand why you are in district court. I dont have enough facts and you dont explain...
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4 Answers | Asked in Bankruptcy for Kentucky on
Q: My husband and ex wife had a vehicle together. And they failed to make the payments. Can my husband file bankruptcy?
Nick Curtis Thompson
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Nick Curtis Thompson
answered on Nov 1, 2019

Yes, we file bankruptcy for just one spouse all the time. The means test does use the income for both spouses to determine whether a Chapter 13 or 7 should be filed but most of the time just one spouse can file.

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3 Answers | Asked in Bankruptcy, Civil Rights and Collections for Kentucky on
Q: Got a judgement in the mail saying ordered and adjudged what does that mean?

Does this mean garnishment?

Nick Curtis Thompson
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Nick Curtis Thompson
answered on Oct 10, 2018

No this does not mean garnishment. However it is one step towards garnishment. Normally a creditor will attempt to attach any home you have, any bank account you have and your wages within days or weeks after they get the judgment. You have a very short time after the judgment is issued to... View More

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2 Answers | Asked in Bankruptcy for Kentucky on
Q: BR discharge order for me & llc in 4/18. Can business creditor that was listed in my BR now subpoena me 3 months later?
Nick Curtis Thompson
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Nick Curtis Thompson
answered on Aug 22, 2018

A Business bankruptcy never discharges. It open for 2 years I believe but parties can be hauled back in years later. Yes you can be summonsed to testify. You can also be hauled in and be subject to turning over assets if you took company property or opportunities. This isn't like a... View More

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2 Answers | Asked in Car Accidents, Personal Injury, Bankruptcy and Small Claims for Kentucky on
Q: i am being garnished from an accident 4 years ago and i cant pay my bills or feex my kid. what can i do

i tried for low income assistance even but my gross is what they count. the garnishment was set at 20000 dollars but i didnt even know about it til i was being garnished

Nick Curtis Thompson
PREMIUM
Nick Curtis Thompson
answered on Jun 4, 2018

You may not have been served with the complaint. Often when a creditor cannot find you they will ask for a warning order attorney. This attorney will attempt to find you and send the complaint to you. But if he cant find you the judge may and probably will eventually issue a default judgment.... View More

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2 Answers | Asked in Bankruptcy for Kentucky on
Q: In Kentucky, If I file a chapter 13 bankruptcy, but marry after filing, how do the wife and I split the tax refunds?

I have to pay my refund into the plan. 96% of the income is mine, but all of the tax deductions and tax breaks are hers.

Nick Curtis Thompson
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Nick Curtis Thompson
answered on May 8, 2018

In the Western District of Kentucky, it doesn't matter. The refund is paid to the Trustee if you don't have a 100% plan. You get to keep the fees for preparing the return and the earned income credit. You lose the child credit. You should increase your deductions during the year so... View More

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1 Answer | Asked in Bankruptcy for Kentucky on
Q: Is it better to file bankruptcy or let a trailer go back
Nick Curtis Thompson
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Nick Curtis Thompson
answered on Oct 24, 2017

Trailers are the very worst way to purchase a home. It is almost always better to let the trailer go back and to purchase a home which increases in value over time. A Trailer always depreciates in value. If it is all you can afford I understand it. But the payment is rent and eventually it falls... View More

3 Answers | Asked in Bankruptcy for Kentucky on
Q: Do I have to go to court for bankruptcy
Nick Curtis Thompson
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Nick Curtis Thompson
answered on Oct 24, 2017

Yes you do have to go to at least one hearing. About 99% of my clients only have to go to one hearing the 341 hearing. The questions are very simple and you will be asked questions about the accuracy of your petition for about 5 minutes. The Trustee is looking for hidden assets, your ability to... View More

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3 Answers | Asked in Bankruptcy and Divorce for Kentucky on
Q: Does bankruptcy discharge maintenance obligations?

Court ordered payment of back owed maintenance.

Nick Curtis Thompson
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Nick Curtis Thompson
answered on Oct 9, 2017

No! Alimony and Child Support are not dischargeable debts they can be repaid but they are not discharged in bankruptcy. The stay does not even delay a child support or alimony hearing or order.

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1 Answer | Asked in Foreclosure for Kentucky on
Q: What is a nonjudicial foreclosure?
Nick Curtis Thompson
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Nick Curtis Thompson
answered on May 17, 2017

A non Judicial foreclosure is when the court is not involved in the lender recovering the property. In some states a deed of trust is held by a 3rd party and when the property is not paid for the lawyer who holds the title will convey the property to the bank upon default. Kentucky is s judicial... View More

4 Answers | Asked in Bankruptcy for Kentucky on
Q: Does bankruptcy discharge child support obligations?
Nick Curtis Thompson
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Nick Curtis Thompson
answered on May 16, 2017

Child support and alimony are non dischargeable debts. You can repay child support through a Chapter 13 and you can repay child support as a priority debt which paid in full before any unsecured debt is paid. Bankruptcy can be a took to repay child support but it does not discharge child support... View More

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1 Answer | Asked in Bankruptcy for Kentucky on
Q: Can you file chapter 7 on fed taxes
Nick Curtis Thompson
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Nick Curtis Thompson
answered on Mar 5, 2017

Yes. There are 6 factors. FIRST the taxes must be at least 3 years old. SECOND you must file the returns at least 2 years before filing the bankruptcy. Third there must be no assessment within 240 days before the bankruptcy. Fourth filing any bankruptcy filed within the 3 year period will... View More

1 Answer | Asked in Foreclosure for Kentucky on
Q: How far behind do I have to be before the bank can start the foreclosure process?

Also, if I CAN get caught up before it goes to court (or whatever) do they have to accept my payment and let me keep the house or can they refuse and go forward with the foreclosure?

Nick Curtis Thompson
PREMIUM
Nick Curtis Thompson
answered on Jan 28, 2017

You only have to be contractually late to be in default. However most mortgage companies will start a foreclosure when you are 2 payments behind. It is a pretty stiff late charge and real damage to your credit. When the mortgage becomes 2 payments behind they will start to refuse to take your... View More

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