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Questions Answered by Karra Kingston
4 Answers | Asked in Bankruptcy, Foreclosure and Real Estate Law for New Jersey on
Q: My grandmother co-signed a house in NJ now it's in foreclosure. She is 84 lives in FL only social security. Advise?

The main signer filed chapter 13 last year. He fell behind now bankruptcy case is voided. He will get wages garnished. My concern is to protect my grandmother. With her living in florida I'm not sure where to start .

Karra Kingston
Karra Kingston answered on Mar 31, 2020

I’m not really sure if your grandmother is trying to save her one or not. I would need more information I would suggest contacting a Bankruptcy lawyer in Florida where your grandmother lives.

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4 Answers | Asked in Bankruptcy for New York on
Q: Can i file for bankruptcy without losing my apartment or my ability to renew?

Hello. I am about to begin the process of filing for bankruptcy. My landlord has legal fees as well as maintainance fees on my rent statement which adds up to approx. $3000.00... i do not owe any money on my regular monthly rent . Maintenance charges are not on my lease. My landlord added those... Read more »

Karra Kingston
Karra Kingston answered on Mar 28, 2020

You can’t file bankruptcy and expect to stay in there. Your landlord will probably not allow it. I’d be happy to speak to you if you want some advice from a lawyer! Be careful! Some of the stuff you posted didn’t make sense! Or speak to any bankruptcy lawyer for that matter

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3 Answers | Asked in Bankruptcy and Tax Law for New Jersey on
Q: Please see the below for details

Hello,

there were recently loans taken out with me as a co-signer listed. My signature was forged by my husband. I do not want to press charges, but is there any legal action I can take against this company since i was never contacted? My credit is now bad because my husband defaulted on... Read more »

Karra Kingston
Karra Kingston answered on Mar 13, 2020

You should contact a bankruptcy lawyer to see what options you have available. You should definitely file a police report if someone stole your identity and took loans out fraudulently

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3 Answers | Asked in Bankruptcy and Consumer Law for New Jersey on
Q: My loan was soldl to another lender Carrington mortgage from Chase. IM currently in a Chapter 13 Bankruptcy.

Chase denied a loan modification. My attorney appealed but the Bankruptcy judge agreed to suspend the loan modification. The loan was sold. If the new lender denies a loan mod will the foreclosure process start all over again? I have been making regular mortgage payments with Chase since the... Read more »

Karra Kingston
Karra Kingston answered on Mar 8, 2020

They can still foreclose on your home even though it was sold.

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4 Answers | Asked in Bankruptcy and Landlord - Tenant for New Jersey on
Q: Can contacting a lawyer to file bankruptcy stop an eviction if your landlord filed for non payment of rent?
Karra Kingston
Karra Kingston answered on Mar 8, 2020

Yes, it can hold it up for you. Definitely advise speaking with a lawyer!

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3 Answers | Asked in Bankruptcy for New Jersey on
Q: How do I submit a complaint to the NJ bar?
Karra Kingston
Karra Kingston answered on Mar 5, 2020

Contact the bar association they should be able to help you. You should find another lawyer in the mean time to finish up your papers. I’d also try going to the office and demand a reason as to why they have not done anything for you.

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4 Answers | Asked in Bankruptcy and Consumer Law for New York on
Q: My husband and I need to declare Bankruptcy but cannot afford to. Are there free programs to help us?
Karra Kingston
Karra Kingston answered on Mar 5, 2020

There are legal services to help if you qualify but you may have long waiting times! I highly advise speaking with a lawyer many have payment plans that can really help you! And make sure your case goes smoothly!

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5 Answers | Asked in Bankruptcy for New Jersey on
Q: What do I do if I paid a lawer for bankruptcy and they have done nothing, and refuse to answer call or emails?
Karra Kingston
Karra Kingston answered on Mar 5, 2020

You can submit a complaint to the bar and hire a new lawyer if they simply won’t answer.

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4 Answers | Asked in Bankruptcy for New Jersey on
Q: Is money in an LLC shielded from a personal bankruptcy?

I have 50K invested in my sisters company which is an LLC. If I filed personal bankruptcy would that money be exempt ?

Karra Kingston
Karra Kingston answered on Mar 4, 2020

No I suggest speaking with a bankruptcy lawyer

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6 Answers | Asked in Bankruptcy and Collections for New Jersey on
Q: Should a private student loan that went to collections have been discharged with a chapter 7 bankruptcy?

I filed for bankruptcy in August 2019 and received a discharge in November 2019. My lawyer stated that my student loans (I had 5 federal and 2 private which had long since gone to collections) would never get discharged so he didn't attempt to file for an adversary proceeding. I had two Sallie Mae... Read more »

Karra Kingston
Karra Kingston answered on Mar 2, 2020

They can still collect against you.

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1 Answer | Asked in Bankruptcy for New York on
Q: Can I stop judgement?
Karra Kingston
Karra Kingston answered on Feb 26, 2020

If the judgment has not been entered you can try to fight it or possibly filing bankruptcy can stop a judgment from being entered.

4 Answers | Asked in Bankruptcy for New York on
Q: If I took a one-time withdrawal from my Roth IRA in 2019, do I need to report that as income on my bankruptcy forms?
Karra Kingston
Karra Kingston answered on Feb 26, 2020

Yes, depending on when you took it out, it should be included as income on your bankruptcy forms.

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4 Answers | Asked in Bankruptcy for New Jersey on
Q: What if someone is guilty of non-compliance with multiple civil court orders prior to bankruptcy filing?

If he is found guilty of perjury on his bankruptcy forms would he be bound to the court orders of the civil suit? The contract for the sale of my house was drawn up the day before he filed for bankruptcy. He ignored a court order and refused to sign and ignored multiple orders prior to that one.... Read more »

Karra Kingston
Karra Kingston answered on Feb 13, 2020

Call the trustee or attend his meeting of creditors they will tell you how to proceed.

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4 Answers | Asked in Bankruptcy for New Jersey on
Q: Do current court orders have to be carried out when someone files chapter 13

I have a court order forcing the sale of my condo. My co owner, who holds the mortgage was taking my mortgage checks and not paying my mortgage which resulted in forclosure proceedings. The mortgage commitment clearly states that partial payments could be made. He could have applied my half of the... Read more »

Karra Kingston
Karra Kingston answered on Feb 10, 2020

You should attend the 341 hearing or speak with the trustee let them know your concerns.

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5 Answers | Asked in Appeals / Appellate Law and Bankruptcy for New York on
Q: Hi, I filed Chapter 13 Bankruptcy to stop the sale of my home. I have an Appeal in the NY Appellate 1st Dept.

I am pro se. Does the Bankruptcy Stay the Appeal in the Appellate?

Karra Kingston
Karra Kingston answered on Feb 7, 2020

Yes the bankruptcy will stop the appeal. You may want to hire a New York bankruptcy lawyer to help you.

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4 Answers | Asked in Bankruptcy for New York on
Q: can you claim a homestead exemption in a chapter 13 bankruptcy if you have no equity in your homestead?

Thank you for your answers, it is much appreciated, and very helpful. for a more detailed explanation, I'm a creditor in a 13 case, I have a judicial lien on his homestead and he filed a motion to avoid the judicial lien in its entirety because it impairs etc... he owes 50 grand more than the... Read more »

Karra Kingston
Karra Kingston answered on Feb 5, 2020

Your question is a little confusing but if you have no equity in your home then there probably isn’t really a reason to claim a homestead exemption. I’m not sure if that’s what you are asking? If you are worried about your property you should speak with a bankruptcy lawyer.

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4 Answers | Asked in Bankruptcy for New York on
Q: How long the bankruptcy would be ?
Karra Kingston
Karra Kingston answered on Feb 1, 2020

It depends on what chapter you file. a chapter 7 typically last 3/4 months and a Chapter 13 lasts 5 years. I highly recommend that you seek out a lawyer to help you!

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