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Questions Answered by Melissa Cain
4 Answers | Asked in Bankruptcy for Florida on
Q: If I am a co signer and my name is on a vehicle loan, can I file bankruptcy without filing on that loan?
Melissa Cain
Melissa Cain answered on Jun 21, 2021

Yes, however, even though you have to notify them in your bankruptcy pleading, you will decide if you are going to reaffirm that debt or not. Your co-signor will still be obligated to pay on the vehicle.

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2 Answers | Asked in Bankruptcy and Consumer Law for Florida on
Q: Can I get a uncompleted Bankruptcy off my credit report?

I filed for bankruptcy a few years back to hold off a foreclosure action. I was able to sell the house and did not complete the bankruptcy filling or the foreclosure. The bankruptcy is still showing on my credit report, how do I get it removed?

Melissa Cain
Melissa Cain answered on Apr 16, 2021

Your bankruptcy will stay on your credit report, whether or not you completed your case. It is likely to stay on there for 7-10 years from the filing date.

If you are looking to finance a large purchase in the future, you should develop a working relationship with a bank you like and...
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3 Answers | Asked in Bankruptcy for Florida on
Melissa Cain
Melissa Cain answered on Mar 29, 2021

Good Morning,

I am sorry to hear about your recent business closure. You could file a bankruptcy for the closed business, however, do not neglect to consider any personal guarantees you made while operating. Many times a business owner will also file a personal bankruptcy to address...
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