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Questions Answered by Timothy Denison

1 Answer | Asked in Bankruptcy for Texas on

Q: In Chapter 7, will an owner financed mortgage qualify like a bank mortgage?

Currently renting for $1500 a month. Parents want to put small down payment on owner financed home for us. How long do I have to live in home before filing chapter 7?

Timothy Denison answered on Jul 20, 2019

Yes. It will qualify. As long as you’ve been in the district you’re filing in for 6 months, there should be no live in time requirement.

1 Answer | Asked in Child Support for Kentucky on

Q: Can jails deny medical treatment ?

Had knee surgery and been in the hospital but judge locks you up over child support and denying medical treatment in jail. But still made some kind of payment. Still made an effort to pay something.. judge gave him 2 yrs for falling behind..

Timothy Denison answered on Jul 20, 2019

The jail may not deny necessary medical treatment.

1 Answer | Asked in Bankruptcy for Iowa on

Q: My sister is executor of the home that was left to me her and my brother. The lawyer owns my sisters 3rd of it now.

And the lawyer states we need to sale home now cause he owns a 3rd of it, because my sister filed bankrupctu

How's that work and what's my rights

Timothy Denison answered on Jul 20, 2019

Depending how he obtained yoursusters share, you and your brother will likely have to buy him out. You may need to have it appraised to determine the actual value.

1 Answer | Asked in Bankruptcy, Divorce and Child Custody for Oklahoma on

Q: Can I keep my children away from the grandfather

Timothy Denison answered on Jul 20, 2019

Many more facts are necessary to properly answer this question but the short answer is probably, yes.

2 Answers | Asked in Contracts and Real Estate Law for Kentucky on

Q: I am scheduled to close on a home next week. I am unhappy with the lender and want to cancel the whole deal. Can I?

I made an offer on my first home last month. Everything from that moment with my lender has been a mess. No communication, inaccurate information, snide comments, 3 weeks for a VA appraisal, etc. I've told my realtor that I can't be comfortable with this lender anymore and want to cancel this... Read more »

Timothy Denison answered on Jul 19, 2019

Yes. Just notify everyone in writing that you are canceling the transaction.

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2 Answers | Asked in Bankruptcy for Rhode Island on

Q: Bankruptcy court needs correct addresses for payday loans how can they get discharged if mail is undeliverable

Timothy Denison answered on Jul 20, 2019

It is your obligation to supply the proper addresses. Find the correct addresses and give them to your lawyer to ensure they are listed and discharged.

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2 Answers | Asked in Bankruptcy for Kansas on

Q: I have court today for aid in execution. Would it be best to file bankruptcy? Will it stop this?

Timothy Denison answered on Jul 20, 2019

You. Gould discuss your options with s bankruptcy practitioner.

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1 Answer | Asked in DUI / DWI for Kentucky on

Q: In Kentucky, does a felony dui conviction prevent you from holding an elected union position?

Timothy Denison answered on Jul 19, 2019

No. Only public office.

2 Answers | Asked in Bankruptcy for Wisconsin on

Q: My father was approved for a mortgage but must pay a credit card filled under bankruptcy as closing costs. Is this legal

Timothy Denison answered on Jul 20, 2019

Yes. Most likely. He’s not being forced to pay it. It simply must be paid as a condition of his loan approval.

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1 Answer | Asked in Consumer Law and Health Care Law for Kentucky on

Q: A hospital over charged me for lab work and won't send a refund or return my calls. What can I do?

I was given the option to pay for lab work at the time of service on two occasions. The hospital employee told me she would calculate my portion of the bill based on my insurance provider. She did not account for the significant discount agreement between the hospital and my insurance company, and... Read more »

Timothy Denison answered on Jul 18, 2019

Sue them in small claims court.

1 Answer | Asked in Consumer Law, Bankruptcy, Foreclosure and Real Estate Law for Washington on

Q: How could misapplied mortgage payments found after an agreed tpp be rectified on borrowers behalf?

I found a payment that was applied to principal curtailment that in turn caused late fees and missed payments. Other fees down the road could the error change the outcome of where i am now?

Timothy Denison answered on Jul 18, 2019

Yes. Dispute it on your credit report and with the lender. You should get on this ASAP bc it can materially affect your credit rating.

1 Answer | Asked in Bankruptcy for Texas on

Q: What happens when a person abandons a mortgage (house) in Puert Rico?

My email: harrytron2016@gmail.com

Timothy Denison answered on Jul 18, 2019

Any number of things can happen: nothing, foreclosure, surrender, or government seizure. However, if you don’t reaffirm the debt, you just walk away debt free.

1 Answer | Asked in Criminal Law for Kentucky on

Q: When A Minor Is Tried As An Adult Does He Have To Stay In A Detention Center Until His Indictment Come Out In 60 Days?

On June 10, My 17 Yr Old Son Was At A Friend’s House & Some People Came Over & Enticed A Fight & A 26 Yr Ild Beat Up My Son, & Then When Another Person That Was There Seen Him Get Beat Up, He Pulled Out A Gun & My Son Took It Out Of His Hand, Took The Clip Out & Gave The Gun To The Other Person... Read more »

Timothy Denison answered on Jul 18, 2019

He will have to remain in the detention center unless or until the judge fashions some type of release to your custody which, given the facts above, may be unlikely.

1 Answer | Asked in Criminal Law for Kentucky on

Q: Why doesn’t Kentucky do degrees on murders?

Timothy Denison answered on Jul 18, 2019

They do. Murder, Man 1, Man 2, reckless homicide.

2 Answers | Asked in Bankruptcy for Arizona on

Q: (BK 7) Parent helped pay for back mortgage pymnts (3) directly to mortgage company is that an issue.

We meet the means test. Just curious if thats an issue. Payment since then have been current through us.

Timothy Denison answered on Jul 17, 2019

You can add it back in as income and see, but very doubtful it changes the means test result.

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2 Answers | Asked in Bankruptcy for Arizona on

Q: Is a brokrage account (e-trade) of $295.00 an exempt asset? I have no current job (were living off my partners income).

Asking if it exempt when filling BK7

Timothy Denison answered on Jul 17, 2019

You can exempt it with your wildcard exemption.

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1 Answer | Asked in Child Custody for Kentucky on

Q: Ex filed for sole custody on basis Im a drug abusing unfit mom, false, after 7 yrs of divorce bc I filed for support.

We divorced 7yrs ago and I waived child support. I recently requested child support to which he refused and after I filed for child support is when he filed for sole custody. As an RN, I have taken numerous drug tests and have never been positive. False allegations is his last-ditch effort to keep... Read more »

Timothy Denison answered on Jul 17, 2019

Judge will likely see through that retaliatory conduct on your exes part. You should hire a completely family lawyer to represent and and seek your attorney fees.

1 Answer | Asked in Bankruptcy, Family Law and Business Law on

Q: hi, i want help regarding repay of loan, how to repay now,due to stress i losing my business as always arguments at home

now how to be out of liabilities and family problems, i am totally finished due to family mess and requirements, no relation with wife from more then a year and she dont want me according to her behaviour, she only want her izzat, respect back which i disclosed with her dad and her and my family,... Read more »

Timothy Denison answered on Jul 17, 2019

Sounds like you may need a bankruptcy and a divorce. Contact competent practitioners in both areas or one who does both to assess the entire situation.

1 Answer | Asked in Animal / Dog Law for Kentucky on

Q: My neighbor feeds around 20 cats. They keep having kittens. They crap and lay in my flower beds. She says their not hers

What can I do to get rid of them. They also walk all over my new car. The animal control says they have to many cats now and have no room for them. Sorry nothing they can do. Now what?

Timothy Denison answered on Jul 17, 2019

Take them to Louisville Metro Animal Services.

2 Answers | Asked in Bankruptcy for California on

Q: California: forclosure 2009 Bankruptcy 2012 will Debtor be able to collect special assesment HOA for forclosed RE

In California: The HOA special assessment was added to the regular HOA fee and they said that I would have to pay it even if I sold the property. I had to foreclose in 2009 for inability to pay. In addition I had a bancrupcy in 2012 which included The assessment and CC debts. I was single at the... Read more »

Timothy Denison answered on Jul 17, 2019

Your facts are confusing. If the house you want to buy is the same house and the lien was not removed, the lien is still viable. If the hoa lien was not on the house you seek to buy now, they will not be able to collect the lien as it has been discharged.

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