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Questions Answered by Karra Kingston
2 Answers | Asked in Bankruptcy and Real Estate Law for New York on
Q: I’m on a deed to a house along with my ex boyfriend. The mortgage is in his name. He’s filing for bankruptcy.

What does it mean for me on the house? What will happen to the house? Will I lose the house?

Karra Kingston
Karra Kingston answered on Jan 3, 2020

The Deed is in your name so you own the home. Assuming the home is exempt there is nothing your liable for. If the home is not exempt the Trustee can take the home and sell it. Since your name is not on the mortgage it won’t impact your credit if your husband decides not to pay the mortgage.

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3 Answers | Asked in Bankruptcy for New York on
Q: Has any lawyer worked with a Veteran using the new HAVEN Act law?

I'm disabled from the military and have unemployment with social security since I can't hold a stable job. Currently have 50,000 debt on my own. The new haven act law says that my disability paychecks aren't counted towards the means test but that would mean I would make $0 in the eyes of the... Read more »

Karra Kingston
Karra Kingston answered on Dec 29, 2019

You should speak with a Bankruptcy lawyer. Just because you have $0 for the means test does not mean that you have no income. The Means Test determines if you qualify for bankruptcy. This doesn’t mean that you don’t have income and expenses. You should speak with a Bankruptcy lawyer.

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5 Answers | Asked in Bankruptcy and Small Claims for New York on
Q: Any way to avoid having to show up for a NYC court date for consumer debt which was discharged in bankruptcy?

The court date was set before the bankruptcy (chapter 7 no-asset) case was closed and the debt in question was fully discharged. The lawsuit is for credit card debt which was sold to a debt collector (the plaintiff). Is there a way I can, without leaving myself vulnerable, avoid having to spend... Read more »

Karra Kingston
Karra Kingston answered on Oct 31, 2019

You can try to call the other attorney and show them your discharge paperwork

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3 Answers | Asked in Bankruptcy for New Jersey on
Q: Should medical bills be listed as "consumer debts" on bankruptcy filing?

My bankruptcy lawyer has dropped the ball multiple times on my case that I absolutely have no faith in her handling my case. I'll leave the details leading up out, but the most recent issue is that she never submitted all of my creditors. Now that I am carefully reading the amendment, I am seeing... Read more »

Karra Kingston
Karra Kingston answered on Oct 31, 2019

Yes medical debt would fall under consumer debt

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4 Answers | Asked in Bankruptcy and Collections for New Jersey on
Q: I closed my business.can't pay back my business loan and I personally guaranteed If i get sued and not appear at court?
Karra Kingston
Karra Kingston answered on Oct 23, 2019

You should go to Court or speak with a bankruptcy lawyer

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2 Answers | Asked in Bankruptcy for New York on
Q: I recently filed a Ch 7 bankruptcy with an attorney and it was recently discharged. I requested an adversary proceeding

and it was not completed. I am aware of the Brunner Test and made my lawyer aware of it as well but the lawyer did not move forward on it or do anything to assist me and I was told "they won't discharge it". I am well aware that some have been by proving undue hardship and seriously need the... Read more »

Karra Kingston
Karra Kingston answered on Oct 9, 2019

Hello, the Brunner Test is not easy to overcome. You will also have to spend money to litigate this matter. I would call around but if most attorneys do not want to handle it then you may not have a good case. Try to contact a few other attorneys and explain your situation. If your case has been... Read more »

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3 Answers | Asked in Bankruptcy for New Jersey on
Q: How can I find my docket bankruptcy
Karra Kingston
Karra Kingston answered on Oct 9, 2019

You can go to the Courts website and search by name or social. Otherwise, you can call the Court they can also help you!

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6 Answers | Asked in Bankruptcy for New Jersey on
Q: Why is my bankruptcy lawyer pushing me to sue my last employer and amend my current bankruptcy filing?

I had the absolute worst lawyer file my bankruptcy and overcharge me considerably. I don't know why she is so interested in my personal life but I did mention to her how severely discriminated I was at my last job. I thought about suing my previous employer but decided to let it go and... Read more »

Karra Kingston
Karra Kingston answered on Oct 7, 2019

Your petition must include any actions that you have or could bring against anyone. I don’t know why she cares if you pursue your employer unless she’s going to be hired to take on the case. However, If this claim is not listed on your petition and you decide to sue your employer later, then... Read more »

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3 Answers | Asked in Bankruptcy for New Jersey on
Q: Is there a way to discharge my remaining bankruptcy lawyer fees for a completely negligent lawyer?

My bankruptcy lawyer charged me $2500 for a chapter 7 - I don't have any hidden assets or a complicated case. I find out that my brother-in-law paid less than half. So far, I paid her $2000. I still owe $500 in 3 monthly installmants. I had to chase her for everything, and I mean everything. I... Read more »

Karra Kingston
Karra Kingston answered on Oct 7, 2019

Hello, I’m not really sure how you can still be paying her after the case has been filed. Most bankruptcy lawyers will not allow payment after. It obviously depends on the retainer but usually you can’t collect after it has been filed. Not sure who your attorney is but you may want to bring up... Read more »

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3 Answers | Asked in Bankruptcy for New York on
Q: Now about tolls,can I put that in a bankruptcy? Thanks
Karra Kingston
Karra Kingston answered on Sep 10, 2019

Yes, but it depends what chapter tolls are dischargeable usually the diners aren’t

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4 Answers | Asked in Bankruptcy for New York on
Q: I need to file for bankruptcy as soon as possible to stop the sell of my house and I can't afford another attorney

I need step by step instructions to file it and can it be done online

Karra Kingston
Karra Kingston answered on Sep 6, 2019

Unfortunately, Attorneys cost money to do work. Did you already hire an attorney previously? Maybe you can contact him/her. Otherwise, you will have to pay to hire an attorney to help you unless you qualify for legal aid or choose not to hire one.

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4 Answers | Asked in Bankruptcy and Employment Law for New York on
Q: I loaned my employer 70,000. I was repaid about $10,000 and then he fired me. His company is now filing bankruptcy.

Do I have any recourse to get my money back?

Karra Kingston
Karra Kingston answered on Sep 3, 2019

Hello, it depends what chapter they filed for.

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4 Answers | Asked in Bankruptcy for New Jersey on
Q: Thinking bout filing for bankruptcy? I live in Pleasantville NJ Atlantic county I have limited funds can I file on my ow

Can I file on my own did any file for free

Karra Kingston
Karra Kingston answered on Aug 7, 2019

You can file bankruptcy on your own but I recommend speaking with an attorney. You still will need to pay the filing fee unless you request a waiver

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3 Answers | Asked in Bankruptcy for New Jersey on
Q: What do I need to file bankruptcy in NJ? My money is very limited so can I file on my own or is there lawyer for free
Karra Kingston
Karra Kingston answered on Aug 7, 2019

You can file for bankruptcy on your own however, I do advise you at least speak with an attorney to understand and know your exemptions if not the trustee can take any assets you have. An attorney can also prepare you and represent you for the questions they will ask in court. There are Free legal... Read more »

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2 Answers | Asked in Bankruptcy for Texas on
Q: If in chapter 7, i want to sell my house for a profit, what do I need to do?

Such as forms and title company

Karra Kingston
Karra Kingston answered on Jul 13, 2019

You need to get permission to sell your home or wait until the bankruptcy is over

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5 Answers | Asked in Bankruptcy for New Jersey on
Q: I live in New Jersey and own a home. I would like to know if I file bankruptcy if I would lose my house?
Karra Kingston
Karra Kingston answered on Jul 13, 2019

No you don’t have it lose your home if you file bankruptcy. It’s best to speak with a Bankruptcy lawyer who can review your case and determine which exemptions would be right for you!

Karra L. Kingston Esq.

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4 Answers | Asked in Bankruptcy for New York on
Q: Can the bank report a deed in lieu as "settled" on my credit report, even though my late payments have fallen off?

I bought a home in 2010. Because I was a Marine until recently, they were unable to foreclose and the account with the late payments fell off in 2017. I am now doing a deed in lieu of foreclosure. Can the bank still report it as a "settled" account even though the original account fell off?

Karra Kingston
Karra Kingston answered on Jun 3, 2019

Yes they can you can contact the credit bureaus if they don’t report it or there is an inaccuracy

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3 Answers | Asked in Bankruptcy for New York on
Q: Can we obtain low cost or free Lawyer services for Bankruptcy filing?

We have no assets and no savings. We need to declare Chapter 7 as soon as possible, We are in Suffolk County, NY.

Karra Kingston
Karra Kingston answered on May 24, 2019

You can call your local bar association

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1 Answer | Asked in Family Law, Personal Injury and Animal / Dog Law for New Jersey on
Q: Are we legally responsible to pay for our dog attacking a neighbor's cat in our yard?

My son and his wife were staying with us. My son left for the opposite coast and left his dog. My husband walked the dog in our yard and it attacked our neighbor's cat which was in our yard. My husband got the neighbor who took the cat to the vet. She demanded that we get the dog out of the... Read more »

Karra Kingston
Karra Kingston answered on May 2, 2019

It’s hard to answer without more facts. I would advise speaking with an attorney

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