Lawyers, Answer Questions  & Get Points Log In
Questions Answered by Joseph Michael Romano Esq
4 Answers | Asked in Bankruptcy and Small Claims for Ohio on
Q: Are you legally required to continue paying charges on a credit card if the cardholder files bankruptcy?

I am not a joint card holder. My name is no where on the account. They just helped me out when I was having money issues and I agreed to pay a monthly amount until the balance was paid off. Now, there is no balance and they keep taking my money even though they no longer owe the amount.

Joseph Michael Romano Esq
Joseph Michael Romano Esq answered on Jul 25, 2019

I presume "they" are the card holders and "they" filed a bankruptcy. Is this correct?

View More Answers

2 Answers | Asked in Bankruptcy for Ohio on
Q: If my car is in a chapter 13. If the car is payed off will a trustee adjusts payments accordingly
Joseph Michael Romano Esq
Joseph Michael Romano Esq answered on Mar 1, 2019

No. Your payment is your payment unless you file a motion to modify your plan payment. That is an entirely different question. The money you pay to the Ch. 13 Trustee just goes to pay off the other creditors of your case, based on how your Chapter 13 plan is structured.

View More Answers

2 Answers | Asked in Copyright, Bankruptcy and Business Law for Ohio on
Q: As an officer of a 501c4 corporation am I personally liable for a copyright infringement by the corporation

The debts (loans by me) of the corporation far exceed the assets of the corporation and the corporation cannot pay the requested settlement fee.

Joseph Michael Romano Esq
Joseph Michael Romano Esq answered on Oct 31, 2018

Can't even answer without knowing more. Please call to set up an appointment.

View More Answers

2 Answers | Asked in Bankruptcy for Ohio on
Q: Can you file bankruptcy on credit card and medical dept only?

I am trying to see if I should file bankruptcy or do a debt relief program.

Joseph Michael Romano Esq
Joseph Michael Romano Esq answered on Oct 23, 2018

That is not a question that can be answered in this thread. That, most likely, takes a consultation; an understanding of how bankruptcy works and how it is different than debt consolidation. If you want a shock answer it will be, in my opinion, never do a debt consolidation. But, I cannot say... Read more »

View More Answers

2 Answers | Asked in Bankruptcy for Ohio on
Q: Does the CH13 applicable commitment period begin from date of 1st payment or confirmation date?
Joseph Michael Romano Esq
Joseph Michael Romano Esq answered on Sep 25, 2018

The APC is 60 payments, not 60 payments from confirmation.

View More Answers

2 Answers | Asked in Bankruptcy for Ohio on
Q: Can I file bankruptcy alone?

I left in May 2008. Filed for divorce in May 2011. Finalized Oct. 2011. He racked up a 10k hosp bill in June 2011. They are now sending me letters and calling. Also we were sued in 2010 for another of his hosp bills and he has never made his payments. I paid 25 mthly for about 6 years. We owe more... Read more »

Joseph Michael Romano Esq
Joseph Michael Romano Esq answered on Sep 25, 2018

I'd have to take a look at what your Separation Agreement says, but there would be no impediment to discharging all of this debt as to the original creditors. The Separation Agreement could cause issues if there was an assumption of debt provision.

View More Answers

2 Answers | Asked in Bankruptcy for Ohio on
Q: I have a question regarding my out of pocket school expense. My question is would I be able to file bankruptcy on that

if I can't afford to pay it due to lack of income?

Joseph Michael Romano Esq
Joseph Michael Romano Esq answered on Aug 8, 2018

What are those expenses comprised of? credit card, a loan from the school, a grant, etc.. Without knowing that, I really can't tell you whether its a debt and whether its dischargeable in a bankruptcy.

View More Answers

2 Answers | Asked in Bankruptcy for Ohio on
Q: Can you appeal if your petition to file bankruptcy gets rejected?
Joseph Michael Romano Esq
Joseph Michael Romano Esq answered on May 31, 2018

There are a lot of missing facts, here. What were the circumstances surrounding your filing and the dismissal?

View More Answers

1 Answer | Asked in Bankruptcy for Ohio on
Q: Hi, My house is in foreclosure. I will be filing Chapter 13 Bankruptcy how will that save my home?
Joseph Michael Romano Esq
Joseph Michael Romano Esq answered on May 29, 2018

The filing of a bankruptcy creates a protective "bubble" of all of your assets and your income from your creditors. Chapter 13, specifically, is a consolidation and pay-back plan. Included in the list, and one of most importance, is paying back mortgage arrears. In most parts of Ohio, your... Read more »

4 Answers | Asked in Bankruptcy for Ohio on
Q: Can a credit card company that has begun the process of suing,be excluded from a bankruptcy filing?

I haven't filed anything yet,nor retained an attorney. I'm in the beginning stages of determining what my next step is going to be.

I spoke on the phone to a prospective attorney who said that the credit card co. would be excluded from any bankruptcy filing.

Joseph Michael Romano Esq
Joseph Michael Romano Esq answered on May 29, 2018

Whoever that lawyer was, RUN from them. lol.

In any bankruptcy filing, all of your creditors must be notified of the filing of the bankruptcy. How you want to treat them and whether they are discharged (or you continue to pay them) in your bankruptcy are questions/issues you should speak...
Read more »

View More Answers

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.