Questions Answered by Karra Kingston
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
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
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
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 »
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
You need to get permission to sell your home or wait until the bankruptcy is over
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?
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.
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?
Yes they can you can contact the credit bureaus if they don’t report it or there is an inaccuracy
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.
You can call your local bar association
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 »
It’s hard to answer without more facts. I would advise speaking with an attorney
Q: Can a senior citizen with dementia have any sort of assistance in her meeting with the trustee? Memory loss is an issue
Daughter has power of attorney. She needs to recall two addresses and her mental capacity is making it incredibly difficult for her to remember them and state them in the hearing
If the daughter has power of attorney then she may be able to I would definitely speak with a Bankruptcy lawyer
Q: I'm looking for legal advice regarding my LLC, that is not generating any income anymore, and I am about to close it.
However, I have a credit card and business line of credit (both under LLC’S name), is it possible to file the bankruptcy of that LLC without effective my personal credit history?
Hello,
You could file a business chapter 7 bankruptcy but sometimes it doesn’t make sense are you sure your not personally liable for any of your business debt. I would definiteltnspeak with a lawyer
Q: If a house was sold in January due to a foreclosure is the current landlord entitled to rent after January?
I am a tenant of a property that the landlord stated was going into foreclosure. The landlord vacated the property as of November 1st 2018 and at the same time my lease also ended. I continued to pay rent and she still collected payment from Section 8 Housing Authority as well. I put in for a... Read more »
Yes, until the foreclosure auction actually takes place.
Q: I'm filling bankruptcy and my boyfriend is a co-signer on a loan. Is there a way he can be made to help pay for bankrupt
Just because he’s a co-signer on a loan doesn’t mean that he will be forced to pay for your bankruptcy. He will still be liable for the debt because he is the co-signer.
Q: Do Money judgments in New York need to be renewed for a second 10 year term, or the judgment automatically lasts 20?
I see it says 20, but I have been coming across forums that say that it must be renewed in 10 to last another 10.
It lasts for ten years but they have the right to renew the judgment so it lasts for 20 years
Q: Deje mi corro en un parking y no he podido sacarlo porque no tengo empleo. En ese carro tengo los papeles de mi corte.
Son mis papeles de la corte mio, mi esposo y mi hija.
Los papeles de Corte son para bancarotta? Llama el Corte.
Q: When you get your chp.7 bankruptcy discharge order does that end the automatic stay?
Yes
Q: Im late in filing the last credit councelling certificate in my Chapt. 7, will I still get a discharge if it was due
5 weeks ago or do they naturally give you an extention of time and how much?
If you had an attorney you should ask them. If they closed the case before you did the course then you will not receive your discharge if it’s too late. You would have to reopen the case. I would speak to an attorney.
Q: I filed chpt.7 but my automatic stay was removed by the bank, if i convert to a chpt13 do i get a new automatic stay,
And do the bank have to motion the court again to remove the chpt13 stay?
Did you have a lawyer when you filed? If so you should ask your attorney or get one before it’s too late.
Q: can a family’s members bill in there name be claimed on my bankruptcy?
My cell bill is very high and in my moms name. I have been paying it, can I include that?
No not if it’s not in your name.
Q: After filing, can the trustee ask for my rent lease to be terminated? I stated I will to assume my apartment lease.
I have already filed my case but I read online If the trustee believes the rent is unreasonable or beyond the debtor's means, he can direct the court to terminate the lease, allowing the landlord to evict the debtor. Furthermore, the trustee has to decide within 60 days of the petition filing... Read more »
Yes it can be true but doesn’t really happen you should contact your bankruptcy attorney
Q: If I am paying part of my boyfriend’s bills do I need proof for my attorney when filing chapter 7 bankruptcy?
If i file chapter 7 bankruptcy and I put together a budget And Me and my fiancé bought a apartment together although it’s in his name. I am not living with him but I pay part of the bills. Do I need to bring proof that I’m paying the bills. Such as fuel or cable
Ask your attorney anything your attorney asks for you should get together.
Q: Own 25% of a property in Canada. If declare bankruptcy in NY, could the court force liquidation of the property?
Yes, they could but it also depends how much equity is in the property. I advise you speak to an experienced bankruptcy attorney.
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