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My income consists mainly of Social Security a small New York state pension and I work part-time for 3 months out of the year doing income taxes. I don't understand why my lawyer put me in this chapter 13. Trying the best I can and I'm running out of money
answered on Nov 14, 2024
There are a few potential reasons for your being in a Chapter 13, but the ones that I can come up with are:
1. You've filed for Chapter 7 within the last 8 years and your only option for bankruptcy is to file under Chapter 13; or
2. You could not afford to pay an attorney fee... View More 
make arrangements to pay?
answered on Oct 26, 2024
If you obtained a PPP loan and the government is looking to be paid back, then one of two things happened: (a) you did not apply for PPP Loan Forgiveness or (b) the government thinks that the loan was wrongfully obtained. It could also be that this is an EIDL Loan, as opposed to one that was... View More
were denied due to lack of standing. The judge retired and a new judge is now assigned. The new judge says they do have standing because they attached a copy of the note to the complaint.Is that all the bank has to do to have standing?. The first judge also stated they never responded fully to my... View More
answered on Dec 4, 2024
The answer to your question will depend upon a number of variables. My recommendation is that you retain legal counsel to, at the very least, review the matter and give you some guidance from there.
Good luck with your case!
answered on Oct 26, 2024
I'm not sure what "licensee" means within this context... but with that said, you'd need to be evicted before the locks can be changed. Seek legal counsel from an attorney that can be retained to represent you.
What do I need to do? Do I file bankruptcy?
answered on Oct 26, 2024
The answer to your question is unclear, as it would take a lot more information to diligently make a recommendation.
Contact a bankruptcy attorney and schedule a consultation.
Good luck with your case!
answered on Oct 14, 2024
I'm not sure what your question is... but I'll try to provide some helpful tips.
First, make sure to notify your accountant or payroll service provider of the closing date so they can prepare the final returns. Failure to do so can result in massive fines and large penalties.... View More
The first index number was filed in 2012 plaintiffs ask to discontinue in 2016 since plaintiffs did not have proper documentation. the case was refiled different index number 2018 I’m trying to sign off on DIL but they keep making errors with names and addresses on the DIL for months When... View More
answered on Oct 14, 2024
I'd agree with the other attorney answer... there are too many variables to determine whether the SOL has run out - based on FAPA or otherwise.
Reach out to a Foreclosure Defense or Bankruptcy Attorney to determine which path of resolution is best suited for your situation.... View More
While under COVID-19-Related Hardship Foreclosure Protection (from 3/25/2021-9/20/2021) which my mortgage company extended to me upon my written request after filing the COVID-19 Hardship Form, their attorneys filed Notice of Motion and Motion for Termination of the Automatic Stay. I was not fully... View More
answered on Aug 25, 2023
Based upon the facts you've presented, it doesn't sound as if any fraud was committed - though I do sympathize with your frustration.
In just about any case, non-payment of your mortgage is grounds for termination of the Automatic Stay in a Bankruptcy Case. The COVID-19 Hardship... View More
My house - supposedly worth around $900,000, will not sell. I have tried for 5 years and am still trying. We stopped paying the mortgage in 2019. i believe they will start the foreclosure soon. We also have $46,000 credit card debt that my husband stopped paying August 2019 in Ct so they have until... View More
answered on Jun 21, 2022
As a general rule, filing a bankruptcy will eliminate all of your debts. There are exceptions (student loans, for instance), but none of the other debts you've listed will survive the bankruptcy. Further, there will not be any tax consequences emerging from your bankruptcy discharge because... View More
The bankruptcy is still in adversary proceeding at this time. It will probably be there for some time longer.. Does this mean the bankruptcy is still considered open? Is the stay in place until the adversary proceeding is complete?
answered on Apr 1, 2022
There is nothing stopping a lender from foreclosing after a bankruptcy is Discharged or Relief from Stay is awarded beforehand. The lender cannot begin foreclosure during a Bankruptcy case before the occurrence of either hypothetical.
Otherwise, no. There is no law the avails a grace period... View More
I filed for chapter 7 bankruptcy in 2021. The courts discharged my mortgage on my home. The servicer transferred the mortgage to a new servicer. The servicer has indicated that they have accrued nearly $5,000 in legal fees. Is the servicer legally able to foreclose on me within one year of my... View More
answered on Apr 1, 2022
There is nothing stopping a lender from foreclosing after a bankruptcy is Discharged or Relief from Stay is awarded beforehand. The lender cannot begin foreclosure during a Bankruptcy case before the occurrence of either hypothetical.
Otherwise, no. There is no law the avails a grace period... View More
So I cosigned for someone 2 years ago and the person recently stopped making payments and now it has gone to repossession. The person blocked me from contacting her. My credit score dropped significantly and I am not sure what I can do. I'm not sure if I can sue her or get out of this cosign... View More
answered on Apr 1, 2022
Filing a bankruptcy will remove the negative remarks from your credit and permit you to start fresh. If you don't intend to file for bankruptcy, you'd have to sue your cosigner - which would be much more expensive and difficult than filing bankruptcy!
If you're interested in... View More
Financial obligation. Is there a way to back out of a car loan I am the co-owner of without impacting the main loan holder or is there a way to get lower payments of even possible help with payments Thru any programs?
answered on Apr 1, 2022
Filing a Chapter 13 bankruptcy may result in lower car payments through Modifying the terms of the car loan.
Contact an experienced attorney if you're interested in learning more.
Good luck with your case!
Section 18 code 241
Also stated it's against Nuremberg trials that concluded a medical procedure can not be forced upon me.
answered on May 31, 2021
Umm... No. With all due respect, you'll just sound like a crazy person if you cite to a quotation from the Nuremberg Trials in response to being asked to wear a mask (presumably, for the purpose of preventing the proliferation of COVID-19). Private businesses can operate however they'd... View More
Car was shipped to NY from dealer in Texas before I signed all papers and before dealer signed any papers and therefore the lease was never effectuated and I believe should be void. The transporting of this expensive car prior to a binding agreement was a form of entrapment. Noticed the dealer... View More
answered on May 31, 2021
Yes. If the contract was signed in New York, in particular with a New York-based business, then it is almost definitely controlled by New York laws... assuming there's no arbitration agreement or Choice of Laws Clause in the contract.
Good luck with your case!
year 1968 participating $5,000 whole life policy. no dividends for last 15 years. Prior to that, div increased each year (to $96) then decreased in the next 4 yrs to zero; for 12 yrs $0 , however cash value increased each yr ($3,900 currently and increases a small amount each yr), no loans ,... View More
answered on May 31, 2021
I'd recommend looking into New York's State's Unclaimed Funds registry, which can be found by clicking on this link:
https://www.osc.state.ny.us/unclaimed-funds
If you're entitled to funds that are unclaimed, they might be held by the State in escrow.
Good luck with your case!
answered on May 31, 2021
Yes. A civil judgment is collectible for up to 20 years in the State of New York.
Good luck with your case!
how do I list this property on my schedules
answered on May 31, 2021
If you are listed on the deed to the property, the you will be liable for payment of the HOA arrears - assuming that you want to keep the property.
Good luck with your case!
I recently noticed a collection account from PRA on my credit report. I've never heard of them, but the amount owed was similar to the amount I owe a bank. I never received anything from PRA though, so I opened all my recent mail that I thought was junk.
Lo and behold, one of them was... View More
answered on Apr 4, 2021
It's a little odd that a debt collector would tell you that the debt is outside of the collection statute of limitations... what would be the point of their sharing this information? I'm not doubting the truth of what you've said, so much as I'm trying to figure out why.... View More
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