Lawyers, Answer Questions  & Get Points Log In
Questions Answered by Robert Keyes
4 Answers | Asked in Bankruptcy for Michigan on
Q: What happens if you don’t turn in your tax return and/or refund on a chapter 13 bankruptcy?

I have been in my chapter 13 for over 2 years and realized I was supposed to supply tax returns and refunds to the trustee but I haven’t. I’m not sure what my next step is as I’m afraid to bring it up and have my case dismissed.

Robert Keyes
Robert Keyes answered on Aug 16, 2021

You should turn in returns ASAP and contact your attorney if you have one. Otherwise contact the trustee and own up to your mistake.

It will only get worse if you ignore it and your case will get dismissed if you don’t makes it up somehow.

View More Answers

2 Answers | Asked in Bankruptcy and Tax Law for Michigan on
Q: I’m in a chapter 13 in Michigan. The tax refund portion of my case is silent. Will I get a refund if so how much?

My chapter 13 In Michigan tax refund portion is silent. Will I get a refund? If so how much am I an entitled to keep if this is silent. I really wouldn’t mind them keeping it if it paid my case off faster but this pandemic has put me out of work and I need all of my refund or pretty close to it.... Read more »

Robert Keyes
Robert Keyes answered on Jan 9, 2021

In the Eastern District of Michigan the standard plan requires you to turn over your refund. It is not a matter of the trustee grabbing it.

The good news is you can always amend your plan to account for change of circumstances. Show expenses for any un-budgeted event such as job loss and...
Read more »

View More Answers

1 Answer | Asked in Bankruptcy for Michigan on
Q: want to sue baker college for over charging me 30,000

Went to baker college of clinton township, they told me 2 years and 20,000 and said that would find a job for me

didnt even start on my degree until a year and a half and i got a bill from them saying i have to pay 27,000 dollars or get in trouble, it was just lies after lies from them

Robert Keyes
Robert Keyes answered on Nov 20, 2020

Cannot even comment without a lot more information.

1 Answer | Asked in Bankruptcy for Michigan on
Q: Do you have to provide bonus statements in chap 13 even it’s included in yearly W2’s? It’s not a separate check.
Robert Keyes
Robert Keyes answered on Oct 28, 2020

Not enough information. Is the case pre 341, post 341, pre-confirmation or post confirmation?

2 Answers | Asked in Bankruptcy and Collections for Michigan on
Q: My wages are being garnished from my check. Can I just raise my federal withholding a lot and get it back next year?

I have a garnishment from my employer. They take payroll taxes off before determining disposable income. What's to stop me from just raising my additional federal withholding by a lot to make my disposable income too low to garnish and then get huge federal refund next year?

Edit:... Read more »

Robert Keyes
Robert Keyes answered on Mar 29, 2020

How much is the debt? You are going to have to deal with the debt sometime. If the debt is a garden variety judgment in a MI Court you could ask for a payment plan. Why not file the bankruptcy (if you can). In a Ch. 7 you can get back everything garnished in the 90 days before filing if it totals... Read more »

View More Answers

5 Answers | Asked in Bankruptcy for Michigan on
Q: Got layed off March 19, 2020. On March 20, a debt collector took all the money from bank account, I have no money left.

The money that was in my account was to file bankruptcy, all the courthouses are closed to the public due to the Coronavirus. Everything I had was in my account, now I have no money for rent, food, my car. Is there any way to fight this during a national emergency?

Robert Keyes
Robert Keyes answered on Mar 22, 2020

You can still file a bankruptcy. Bankruptcy courts are still operating electronically.

View More Answers

2 Answers | Asked in Bankruptcy for Michigan on
Q: Chapter13 can’t afford plan finance problems Has equity in free clear home what are options

No attorney-I’m on disability fix income can I qualify for hardship discharge? Homestead exemption what does it do?

Robert Keyes
Robert Keyes answered on Mar 5, 2020

Do you have an attorney? If so talk to that person. If not you need to supply much more information.

View More Answers

2 Answers | Asked in Bankruptcy for Michigan on
Q: If I live in michgan and on ssi and have crieit card debt what the law

Can I go to jail for not paying my criit card debt

Robert Keyes
Robert Keyes answered on Feb 11, 2020

No.

View More Answers

2 Answers | Asked in Bankruptcy for Michigan on
Q: How long after the last plan payment is made that my income withholding is released?

My checks have been garnished since the beginning of my chapter 13 plan and my payments have been paid timely. I am on my last payment for the last creditor that has to receive payment. At what point can I expect to have the income withholding ended so I can receive my full paycheck again?

Robert Keyes
Robert Keyes answered on Feb 9, 2020

Check with your attorney assuming you have one or if not call your Ch. 13 trustee's office.

View More Answers

2 Answers | Asked in Banking and Bankruptcy for Michigan on
Q: Does awage garnishment stop after filing for bankruptcy
Robert Keyes
Robert Keyes answered on Jan 16, 2020

Yes. And if there was more than $600 garnished in the 90 days before the case was filed you can get it back.

View More Answers

3 Answers | Asked in Bankruptcy for Michigan on
Q: If a husband and wife own a home with no mortgage,and the husband alone by himself applies for bankruptcy

will the creditors go after the house if he applies by himself alone for the bankruptcy?

Robert Keyes
Robert Keyes answered on May 7, 2019

Not enough information. What is the husband's income? What is the wife's income? Can he file a Ch. 13? Could save the house if so.

View More Answers

3 Answers | Asked in Bankruptcy for Michigan on
Q: What is the income limit to receive help from this office? For bankruptcy.
Robert Keyes
Robert Keyes answered on Jan 9, 2019

No limit.

View More Answers

3 Answers | Asked in Bankruptcy and Estate Planning for Michigan on
Q: I filed bankruptcy how long can I live in the home without making payments before being foreclosed upon

I live in michigan.

Robert Keyes
Robert Keyes answered on Sep 2, 2018

Also depends on how far behind you are in payments.

View More Answers

4 Answers | Asked in Bankruptcy for Michigan on
Q: How long do you have to wait to file bankruptcy again.
Robert Keyes
Robert Keyes answered on Jul 23, 2018

In addition to what Mr. Phillips said I would add the additional information that it depends whether you are seeking a discharge or whether for example you need to stop a foreclosure or get back a seized vehicle. In those examples you can file a Ch. 13 right away and get caught up on the past due... Read more »

View More Answers

2 Answers | Asked in Bankruptcy for Michigan on
Q: What types of property are you allowed to keep in Chapter 7 bankruptcy?
Robert Keyes
Robert Keyes answered on Jun 26, 2018

Keep your vehicle if you are current or can get current quickly. Same on your house. Keep thousands of dollars of other stuff.

View More Answers

3 Answers | Asked in Bankruptcy for Michigan on
Q: If I file bankruptcy paperwork in this state, will I be required to show up in court?
Robert Keyes
Robert Keyes answered on May 30, 2018

If you can file in Michigan you will have to appear at one meeting minimum with a bankruptcy trustee. There is no court appearance in most cases.

View More Answers

2 Answers | Asked in Bankruptcy for Michigan on
Q: Do you still have to pay secured creditors after filing for bankruptcy?
Robert Keyes
Robert Keyes answered on Apr 15, 2018

Yes , if you want to keep the vehicle or real estate.

View More Answers

2 Answers | Asked in Banking and Bankruptcy for Michigan on
Q: i filed for bankruptcy in around 2006 and it was appointed. i just changed my daughters bank acct to me the bank took $

i just changed my daughters bank acct and put it in my name to help her save money. the bank took over one thousand dollars said i owed it from a debt. this was covered under my bankrutcy how do i get this money back i have cancer and am in a panic. i have been awareded the bankruptcy in approx... Read more »

Robert Keyes
Robert Keyes answered on Apr 12, 2018

Not quite enough information to answer your questions. You need to ask the bank very specifically about the details of the debt. If your daughter is an adult she needs to contact the bank also. Whose money was taken? Hers or yours. What kind of debt did you have with this bank in your prior case?... Read more »

View More Answers

3 Answers | Asked in Bankruptcy for Michigan on
Q: What happens if only one spouse in a relationship files for bankruptcy?
Robert Keyes
Robert Keyes answered on Mar 13, 2018

Too open ended question. Many questions need to be answered before giving a complete answer. You need to talk to an attorney.

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.