The bankruptcy court that you file your bankruptcy in will be determined by where you have lived for the majority of the 180 days immediately before filing. You are required to list all assets and debts when you file bankruptcy and that would include a house in P.R.
One bureau shows closed 0 balance. The other shows 23k. Closed and written off as bad debt. The Bank is calling but not stating why. I have recieved no written correspondence. Can they reopen it this late? Should I call them back?
Congratulations on completing your chapter 13, very few people accomplish what you have achieved. In order to discharge the student loan, you will have to file an adversary in addition to a bankruptcy and prove the student loan is an undue hardship. This is easier said than done. When you file...Read more »
I found an “investor” who was to pay overage on mortgage and take over mortgage payments so I signed paperwork. The investor filed a TRO based on my info to delay the auction date of Dec 5th. The overage has not been caught up and will not be until I am out of the house. The loan is non... Read more »
You may have sold your house already. The investor does not want to catch the loan up while you are still in the house because you may then decide not to leave. One of the problems with this type of deal is you will remain responsible for the mortgage until the investor sells the house and pays off...Read more »
Generally, Social Security benefits are exempt from execution, levy, attachment, garnishment, or another legal process, or from the operation of any bankruptcy or insolvency law. The exceptions are that benefits are subject: (1) to the authority of the Secretary of the Treasury to make levies for...Read more »
I was told I cannot prove undue hardship because I may someday after the program be able to pay. (Loans obtained fraudulently from a for profit college in trouble with the fed govt) So 3 years from now I may get a job nursing. All the while accruing interest on these loans. I support my son on... Read more »
Incorrect information about your college enrollment status can cost you warns the Consumer Financial Protection Bureau. In a Consumer Advisory published February 2017, the CFPB outlined the ways the bad information about enrollment status can wreak havoc for student borrowers. The sale of your...Read more »
Filed chap 13 in March 2016, converted to chap 7 in Aug 2016, was discharged but not closed in Nov 2016. Received a permanent loan modification from my bank, they are saying need court approval to execute documents? Is this true and what form(s) are needed to file the documents.
Usually, you do not. In chapter 13, you would file a motion to approve mortgage modification. In chapter 7 you do not need court permission to incur new debt. Contact your bankruptcy attorney and inquire why your case remains open. If you do not have an attorney, now is the time to hire one. You...Read more »
Conns has a lien on any of the items you purchased in their store if you financed them with the instore credit. This means they can ask for the washer and dryer or the TV back. You should file an answer to the lawsuit. If you do not file an answer Conns could get a default judgment against your...Read more »
You do not need any. You might have medical debt or a number of other types of debt as a result of broken leases, repossessed cars or signature loans. The question is when does filing bankruptcy make sense. Are you judgment proof? Can you protect everything you want to protect?
Your question cannot be answered with the information provided. Your sister needs to contact her bankruptcy attorney. If she filed without the benefit an attorney she needs to hire one. Over 90% of chapter 13 cases filed by debtors without an attorney end up being dismissed. You can search for an...Read more »
I filed CH 7 bankruptcy in August and I am waiting on discharge. Unfortunately, my new job requires that I rent a car twice in the next two months, which is significantly more expensive with a debit card (For a rental that costs $125, they also require a $343 deposit and although the $343 will be... Read more »
trustee felt my plan was under funded. So right now I'm paying 2400 a month to the bankruptcy court and I am barely able to live. I don't want to lose my house but I can't keep up these payments. Most of my debt waa unsecured except my house what should I Do? Can i file for voluntary... Read more »
Chapter 13 is voluntary and in most instances, you can dismiss. Should you is the question. Contact your bankruptcy attorney. If you managed to get a chapter 13 confirmed without an attorney, you have really accomplished something as over 90% of pro se chapter 13 cases end up being dismissed. Your...Read more »
I had a shed built which was illegally done on my land.. I have been to court three times in all which they want to pay the amount of $20,000. The shed price they keep changing every time we went to court, now they have added all there court fees on top of the bill.. I do not have a problem paying... Read more »
It is impossible to answer your question with the information provided. You need to contact a local bankruptcy attorney to review the “bankruptcy papers” you received. You can search for an attorney using the Justia "Find a Lawyer" link at the top of this page.
Funding? No. However, you can file an Application to Have the Chapter 7 Filing Fee Waived. If all you have is SSI you may be judgment proof. Essentially, there nothing that a creditor could recover from you so filing may not even be necessary. You may wish to file for the peace of mind that you...Read more »
When you file bankruptcy you must list all of your assets and all of your creditors. If you are filing chapter 7 you must continue to make the contract payments on a secured car loan if you wish to keep the car. You can surrender the other cars and have any remaining...Read more »
When you file bankruptcy you must list all of your assets and all of your creditors. If you are filing chapter 7 you must continue to make the contract payments on a secured car loan if you wish to keep the car. You can surrender the other cars and have...Read more »
When you file bankruptcy you must list all of your assets and all of your creditors. If you are filing chapter 7 you must continue to make the contract payments on a secured car loan if you wish to keep the car. You can surrender the other cars and have any remaining balance after the cars are sold...Read more »
We filed chapter 7 in the summer of 2006 and reaffirmed our car loan and manufactured home loan. It has come to our attention that our mortgage was discharged in July of 2006 and has now fallen off of our credit report as of July 2013. (Shame on us for not keeping a closer eye!) We have been paying... Read more »
When you file bankruptcy, you must list all of your creditors. This would include your house. Your plan will show how creditors are paid. Some creditors are paid directly by the debtor and others are paid by the Trustee. You are current on your house, you should be able to continue to make the...Read more »
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.