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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... View More 
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.
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!
What does it mean for me on the house? What will happen to the house? Will I lose the house?
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.
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... View More
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.
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... View More
answered on Oct 31, 2019
You can try to call the other attorney and show them your discharge paperwork
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... View More
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... View More
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... View More
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!
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... View More
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... View More
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... View More
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... View More
answered on Sep 10, 2019
Yes, but it depends what chapter tolls are dischargeable usually the diners aren’t
I need step by step instructions to file it and can it be done online
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.
Do I have any recourse to get my money back?
Can I file on my own did any file for free
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
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... View More
Such as forms and title company
answered on Jul 13, 2019
You need to get permission to sell your home or wait until the bankruptcy is over
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.
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?
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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