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answered on Feb 10, 2022
Possibly, if they have a cross collateral clause in your loan agreement with them on the separate loan. Most banks have cross collateral clauses in loan agreements that make it so all the collateral (the vehicle) securing one loan secures any other loans. If your loan has a cross collateral... View More
Help on how to stop this and how can I file Chapter 7, I don't have much money, but I need help bad
answered on Feb 1, 2021
You should contact a local bankruptcy attorney for a free initial consultation. Many bankruptcy attorneys also offer payment plans for Ch. 7 cases. Good luck.
One of the vehicles is paid off the other is not as it is my wifes.
answered on Feb 8, 2019
Under Oklahoma exemptions in a joint case where both spouses file bankruptcy each are able to exempt one car at a value of $7500 per vehicle. If there is a loan against a vehicle the equity should not exceed $7500 to be a protected asset.
I have not been served a summons, although I have reason to believe that such may be forthcoming. I have offered settlement and have made previous payment and have sent a recent check to the merchant, which cumulatively amount to 75% of all claimed charges but have been stonewalled. The most... View More
answered on Sep 27, 2018
You can search to see if a mechanic's lien has been filed on your property by searching in the land records division of the Court house where the property is located. There is a fee for copies. If the creditor makes an attempt to foreclose on the mechanics lien you should be notified by a summons.
I surrendered the car due to inability to pay in early April it took them until June 9
to send me the letter. They refuse to talk with me via written communication they want to talk on the phone instead so I'm unable to have any proof of what was said.
Because of change in... View More
answered on Jun 28, 2018
The deficiency balance that is still owed can be collected by the creditor in State Court by receiving a judgment and then collecting on the judgment with a wage garnishment. In Oklahoma up to 24% of a debtor's wages can be garnished for this type of debt. deficiency balances on... View More
The Oklahoma homestead exemption amount is unlimited – you can exempt the full value of your home. However, there are limitations as to the acreage of your property. You can only exempt up to 1 acre if you live in a city, town or village. You can only exempt up to 160 acres if you live elsewhere.
answered on Jun 19, 2018
Oklahoma does have an unlimited homestead exemption up to one acre inside city limits. However, you must live in Oklahoma for a minimum time frame before filing for bankruptcy in order to qualify for Oklahoma's exemptions. How a house is paid for and fraudulent transfer issues can also have... View More
Thinking about bankruptcy and looking at paper work was just curious of how they go off house when listed as assets/worth.
answered on Jun 13, 2018
I hope you have an attorney to assist you in filing for bankruptcy. If so you need to direct this and all questions about bankruptcy to your attorney. If you do not have an attorney I strongly recommend you get one before filing a case.
Schedule A/B is were all assets are disclosed in a... View More
Debt was not reaffirmed and was dismissed in court. I called bank about reaffirming and was told no. The title I have does not have lien but state of okla shows a lien. I have an Indiana title given to me dealers floor plan company as he was out of business. Never received Oklahoma title.
answered on Feb 6, 2018
1. You can call the creditor and ask them to come get the car.
2. If they refuse you can make them an offer to pay a lump sum of money in exchange for a lien release.
3. If all the above fails you may attempt a quit title lawsuit against the lien holder and seek a Court Order... View More
I was told that I could get into additional medical debt without court permission. Should I be signing up for the 2 year, 150/month payment plan or contacting lawyers to get it included into bankruptcy or ...?
answered on Jan 31, 2018
If you have an attorney representing you in your bankruptcy you should contact them about this issue. Chapter 13 Debtors are generally ordered not to incur debt without court approval however, there is an exception for necessary medical treatment. The debt is generally not included in the... View More
It is in regards to a Contempt Trial where both have filed them on each other over Child support, property division and visitation.
Also, I am not asking if it can be 100% discharged but can it (attorney fees reimbursement) be added to the Ch 13 payment plan at a reduced monthly amount?... View More
answered on Nov 8, 2017
In a Chapter 13 bankruptcy creditors are paid based on their priority status. Child Support is a priority debt that is not dischargeable. Property division is an unsecured debt and can be discharged. In a Chapter 13 plan unsecured creditors receive a pro rate share of the amount the debtor is... View More
answered on Apr 7, 2017
If you have an attorney you should direct this question to them. If you do not have an attorney it is possible to convert a Chapter 13 case to a Chapter 7 case depending on a number of different factors. If you are in a Chapter 13 because your income was to high to be in a Chapter 7 and your... View More
answered on Oct 12, 2016
It is best to be out of the home by the date of the Sheriff's sale. However, in Oklahoma you technically have until the date the Sheriff's sale is confirmed to be out of the house. The Confirmation of the Sale hearing is approximately 30 days from the sale date.
I pay child support. Feeding myself comes second to putting gas in the car to get to work. I work 45 miles from my home.
answered on Aug 24, 2016
It is possible to qualify for a Chapter 7 even if you are above the median income. There is an additional portion of the Chapter 7 Means Test for debtors who are above median income that takes into consideration deductions for certain allowable living expenses, taxes, secured payments on certain... View More
I moved out and left him the house. I obtained a lawyer and had the bankruptcy discharged since I had left the marriage with just my personal belongings. In 2009 he filed chapter 11 on the mortgage. Now on my credit report, it is showing that I am behind 90-120 days with a mortgage company for... View More
answered on Jun 9, 2016
If you surrendered the home in your prior bankruptcy, you may have a claim against the mortgage company violating the discharge. You should contact your previous bankruptcy attorney about this matter as you may have a claim against the mortgage company. If your prior Chapter 13 bankruptcy was... View More
answered on Jun 9, 2016
If you have an attorney you need to discuss this with them before you take any action. Most Chapter 7 cases only last for 3 to 4 months, so it would be best for you to wait until after your final decree is entered. However, if the house was listed as an asset and properly exempted with no... View More
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