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Questions Answered by Karra Kingston
4 Answers | Asked in Bankruptcy for New Jersey on
Q: am i relieved of wage garnishment when i file for chapter 7 bankruptcy
Karra Kingston
Karra Kingston
answered on Mar 7, 2023

Yes, when you file for bankruptcy, an automatic stay goes into place. This stops any garnishment or bank levy. As soon as you file the wage garnishment would be stopped.

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2 Answers | Asked in Bankruptcy for New Jersey on
Q: Can i get fired from my job in new jersey if i do have 2 wage garnishment?I hope not.
Karra Kingston
Karra Kingston
answered on Aug 12, 2022

No, they generally can’t fire you

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3 Answers | Asked in Bankruptcy for New Jersey on
Q: Can a bankruptcy case Chapter 7 be discharged before the objection date ?

If a bankruptcy case was filed on 5/23/2022 had the meeting 06/23/2022 and objection deadline is Aug 22 2022 does that mean the case can be discharged if no objections come before Aug 22 2022 ? Or do you have to wait until Aug 22nd 2022 to know definitely if you been discharged ?

Karra Kingston
Karra Kingston
answered on Jul 21, 2022

The bankruptcy discharge date occurs after the creditors can object. Therefore, a discharge won’t happen until the deadline for creditors to object ends in most cases.

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6 Answers | Asked in Bankruptcy for New Jersey on
Q: Can a debtor collect on previous debt that was discharged?
Karra Kingston
Karra Kingston
answered on Jun 21, 2022

No, a debt collector can not collect on debts that were already discharged in a bankruptcy. This would be a violation of the automatic stay.

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3 Answers | Asked in Bankruptcy for New York on
Q: I was granted an amendment to my bankruptcy. How long do I have to refile the bankruptcy? Is there any time restraints?

My bankruptcy is allowed to be reopened to allow me to add my ex husband as a debtor so I can claim against the sale of our previous marital home which he has sold. Do I need to file this paperwork in a specific time frame? I ask because I am out of money to continue to pay a lawyer to do this.

Karra Kingston
Karra Kingston
answered on May 13, 2022

I’m not sure what you mean you were granted an amendment. If they allowed you to amend your petition, then generally it should be done as soon as you can.

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3 Answers | Asked in Bankruptcy for New Jersey on
Q: My bank account was levied, if I put more money in, can they take it again?
Karra Kingston
Karra Kingston
answered on May 2, 2022

Yes, they can. A levy means that they can continue to take the money until it is paid off. Filing bankruptcy may be a good decision to try and stop a levy!

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3 Answers | Asked in Bankruptcy for New York on
Q: once a motion for bankruptcy is approved and finalized by a bankruptcy court, can a creditor still come after assets?
Karra Kingston
Karra Kingston
answered on Feb 23, 2021

This would depend on which chapter of bankruptcy that you are filing. Chapter 7 or a Chapter 13 provide for two different outcomes. Generally property that is exempt is safe from creditors.

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4 Answers | Asked in Bankruptcy for New Jersey on
Q: Must you file a motion to obtain court approval to sell this property?

Debtor recently filed a chapter 13 and the plan has been confirmed. There is a property owned by the debtor with the ex-wife that the ex-wife is now fully responsible for, per the divorce agreement, but the debtor's name was never removed from the title. Now ex-wife is looking to sell that... View More

Karra Kingston
Karra Kingston
answered on Feb 11, 2021

Yes, you need approval to sell if his name is on the deed.

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3 Answers | Asked in Bankruptcy and Traffic Tickets for New Jersey on
Q: 1986 I lost my license failure paying a traffic ticket i get SSID NJ wants 15.000 restitution should I file bankruptcy

What can i do to get a driver's license is bankruptcy my only option??

Karra Kingston
Karra Kingston
answered on Sep 17, 2020

Generally, fines to government agencies are not dischargeable in a Chapter 7. Fines intended to pincushion your for some type of action are not dischargeable as it would go against public policy.

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7 Answers | Asked in Bankruptcy for New York on
Q: What i need to apply for BankruptcyI am retired with 865 a month, less rent 309 and home phone 71 I count with 485

my credit debt is $39,116.06

no house owner and need to keep my 2004 jeep (about 3500 by kellys blue book)

where i could fin a lawyer for this???

Thank for your time

Karra Kingston
Karra Kingston
answered on Sep 2, 2020

I think you should speak with a bankruptcy lawyer in New York. I am a lawyer in New York there’s more questions to ask most lawyers in New York provide free consultations!

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3 Answers | Asked in Bankruptcy, Consumer Law and Identity Theft for New York on
Q: Master Promissory Note on file with FSA for Student Loans never signed and is completely blan: Can i discharge the debt?

The Master Promissory note on file with Federal Student Aid is completely blank. There's no information about me in any regard, not even my name. Am I legally responsible for this debt or can It be discharged/forgiven?

The Federal Student Aid website has all the federal loan... View More

Karra Kingston
Karra Kingston
answered on Aug 21, 2020

Something doesn’t seem right. You may want to get the original loan documents if you took out the loan?

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7 Answers | Asked in Bankruptcy and Divorce for New York on
Q: I’m a teacher and husband owns a business he’s threatening to file bankruptcy to not have to give me anything in divorce

Husband seems to do pretty well we live in a nice house multiple high end cars claims to have substantial debt including a million dollar loan he says that is backed by the house. Offered me a deal to buy him out of the house he wants the down payment he put down back plus about 100k of the equity... View More

Karra Kingston
Karra Kingston
answered on Aug 18, 2020

You really need to speak with a Bankruptcy lawyer And a divorce attorney this has a lot of parts to it.

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4 Answers | Asked in Bankruptcy and Consumer Law for New Jersey on
Q: Our house was foreclosed on last year and bankruptcy was dismissed. My brother I law passed away. My mother in law wants

to put his house in my husband and his sisters name because she is 90 yrs old

Can he have the house in his name.

Karra Kingston
Karra Kingston
answered on Aug 13, 2020

Yes if the case was dismissed but if your going to file bankruptcy in the future you should consult with a bankruptcy lawyer before doing so

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3 Answers | Asked in Bankruptcy for New York on
Q: ID like to locate chapter 11 bankruptcy cases in the ED or SD of NY, how do i do that?

specifically subchapter v in the prior year, is there a way of doing that?

Karra Kingston
Karra Kingston
answered on Aug 9, 2020

You can make a pacer account so you can see the case information.

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5 Answers | Asked in Bankruptcy for New Jersey on
Q: Would a judgement received as a result of a personal injury case from an auto accident be dischargeable in bankruptcy?

My husband just learned that there was a $75k judgment against him and his co-defendant in a personal injury case from 2007, but judgment was placed in 2010 without him ever receiving any notice for court, about the judgment, etc. He was aware of the case and got to the point where they were... View More

Karra Kingston
Karra Kingston
answered on Aug 5, 2020

Yes, it could be discharged in bankruptcy. As long as it wasn’t for drinking and driving

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4 Answers | Asked in Bankruptcy for New Jersey on
Q: In bankruptcy (Ch. 7), how to I distinguish between something I own and something my father or wife own?

I was renting a piano, but my father said I could use his piano rather than lose money on the rental. Its ambiguous if he "gave it to me" (It is obviously a long term loan, but its understood my job is to take care of it although it'll be mine in the future.) I'm thinking of... View More

Karra Kingston
Karra Kingston
answered on Aug 4, 2020

If your father owns the piano and you are just using it, then it is not yours. I recommend speaking with a Bankruptcy lawyer who can help you

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3 Answers | Asked in Bankruptcy for New Jersey on
Q: Is there any statues of limitations on an attorney committing fraud, stealing your money

Filed bankruptcy stole my money

Karra Kingston
Karra Kingston
answered on Jun 29, 2020

You can call the bar association

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4 Answers | Asked in Bankruptcy for New York on
Q: Is a judgment from a secured 2nd mortgage still considered secured credit, or will it be paid if I receive inheritance

Chapter 7 inheritance

Karra Kingston
Karra Kingston
answered on May 26, 2020

This question is a Little confusing, a judgment from a secured second mortgage is a secured creditor. Any inheritance will be distributed to your creditors in a Chapter 7 if there is no exemption .....

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4 Answers | Asked in Civil Litigation and Bankruptcy for New York on
Q: I want to know the negative financial consequences of deliberately allowing a lienholder to repossess my vehicle to me

A Ch. 13 conversion into a Ch. 7--Bank wants back $2800, and really gouged me on monthly payments, increasing from the prior agreed on rate of only $115 a month payments (the Ch. 13 Trustee won that). No more need for this 11 year old vehicle which is now worth market value of only $1700 at most.... View More

Karra Kingston
Karra Kingston
answered on May 26, 2020

I’m not sure if your in bankruptcy now or not?

If you are not in bankruptcy and they repossess your car they can sue you or garnish you. You can give up the car in a chapter 7 bankruptcy and not be liable for it? If you are no longer in bankruptcy and you give up the car they can not...
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3 Answers | Asked in Bankruptcy for New York on
Q: Give example of: Homestead exemption, Catch-all Exemption, Equity, Conversion, Dismissal, Bankruptcy petition preparer.
Karra Kingston
Karra Kingston
answered on May 19, 2020

I’m not sure I understand this question aside from needing definitions to such. You may want to speak with a Bankruptcy lawyer who can help you. A homestead exemption allows you to file bankruptcy and keep your home. Equity is the difference between the value of your home and how much you owe. A... View More

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