when i took over my fathers estate the loan got sold to another company. the new com[any accepted 2 payments from me then denied me making payments for about a year, stating that i was not someone on the loan that could be talked to. it took me a long time to get the information from them that they... Read more »
The main question will be how much equity you have in the home. If you own half the equity then a bankruptcy attorney will be able to look at the value of your home and the amount owing against it and figure out how much home equity you personally have.
An ex and I signed a lease for an apartment 2016, 3 months before the year was up we had to move out of state and didn't have the money to pay the rest of the lease. Of course there is an eviction on my credit (and probably his too). He and I broke up due to abuse and I have no idea where he... Read more »
The good thing is that most of us (bankruptcy attorneys) provide free consultations regarding all types of debt issues. Based on your question there is a lot to discuss and brainstorm about and you will definitely come away feeling more empowered about this eviction situation...Read more »
If you can not get ahold of your attorney via her phone or email you can contact the Oregon State Bar about reaching out to her to resolve any misunderstanding or fee dispute. https://www.osbar.org/feedisputeresolution
Yes - but I warn/highly encourage you to contact the foreclosure trustee or attorney and ask them for an up to date reinstatement quote when you are ready to reinstate and ask them for instructions as to where to send the reinstatement funds. If you just make a lump sum payment to the loan...Read more »
When my mother passed away without a will, she was in bankruptcy and trying to avoid foreclosure. The bankruptcy has just been discharged, but the house wasn't in it so it is still subject to foreclosure. I want to keep the house & assume the loan, and have submitted documents establishing... Read more »
You probably need a foreclosure/bankruptcy attorney's guidance, to assess the overall situation. The first thing to do is determine how much time you have absent any action on your part. You may have more time than you think or the lender may schedule a foreclosure sale...Read more »
I just learned that my grandma's house is in foreclosure and scheduled for auction in about a week and a half on 6/20/19 due to an unpaid loan. If she were to file for bankruptcy, would it take the house off the auction block?
I do own the vehicle outright, no liens. It is worth approximately $12k and I have approximately $32k of debt . I have been using this vehicle as my primary source of income through Uber and Lyft for over two years. Will the fact that I use this vehicle for work have any bearing on whether or not... Read more »
In Oregon a debtor can use federal exemptions. You have a certain amount of vehicle exemption and then additional wildcard exemption. If you are not using a homestead exemption (because you rent your residence) then you likely have plenty to cover $12K of equity in a car. You can use the 4K...Read more »
My husband is on disability as well as our son. Our home is paid off but we are very behind on property taxes and the county has given my husband until the 22nd of this month to pay at least $4000.00 of the $13,000.00 he owes or they will get the foreclosure process started. Our home is in my... Read more »
As an attorney and member of the Oregon state bar who you have not hired I need to make you aware that the below information is the general thoughts I have on the topic without having met with your or reviewed any documents, etc. It is not specific advice and I am not your...Read more »
I am broadening your question just to be on the safe side.
1) If nobody had a judgment lien against your house at the time you filed a bankruptcy then all of the debts that could have gone to judgment are discharged through the bankruptcy and nobody can get a lien...Read more »
While the divorce judgment has no power to alter your obligations to Wells Fargo, it does establish the obligations between you and your ex-spouse. If you file bankruptcy on the mortgage Wells Fargo will not be able to sue you or garnish your wages, but they will be able to...Read more »
I rent a forclosed home with a 1 year lease agreemwnt that ends in oxt on july 7th the sheriff auctioned the house nobody beat the credit bid so the bank owns it again obviously i no longer gave to oay my previous landord or do I? Furthermore if the house is in a desirable area but in a state of... Read more »
First it is important to be quite sure that the house was actually auctioned. Receiving a notice of sheriff sale posted on the property with a date for the sale does not mean the sale actually happened. sales are often postponed or thhe owner files chapter 13 and brings the property out of...Read more »
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