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Questions Answered by Robert Keyes
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.

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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.

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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.

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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 »

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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.

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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.

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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.

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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 »

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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.

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1 Answer | Asked in Bankruptcy for Michigan on
Q: what does it means when it says a nonfiler? some of my creditors in my chpt 13 bk must've let go of the fact that I owe

in my list of creditors it reads that best buy is a nonfiler...did they just say the heck with it?

Robert Keyes
Robert Keyes answered on Mar 2, 2018

Creditors have to file a proof of claim (POC) if they want to get paid in the Ch. 13. There is a time limit for them to do that. If the time limit has passed they will not receive anything. If not they may still file a POC.

Really doesn't matter to you since the debt will be discharged when...
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1 Answer | Asked in Bankruptcy for Michigan on
Q: What properties can you leave out of a chapter 13 bankruptcy?
Robert Keyes
Robert Keyes answered on Feb 1, 2018

Question is vague. You have to list all assets including all properties. Need more information. What are you trying to accomplish?

1 Answer | Asked in Bankruptcy for Michigan on
Q: Meijers will not release paystubs to me without a subpoena. I’m trying to file bankruptcy. What can I do?

I told my lawyer that Meijers wants him to provide him with a reference number I got from the Work Number. They would then release the paystubs to him. But he said he never heard of that and told me I would have to figure out a way to get them. I tried and they insist on him doing that or they need... Read more »

Robert Keyes
Robert Keyes answered on Jan 19, 2018

If you have already retained another attorney it is not appropriate for me to give you advice. Perhaps that is why nobody has responded to your question.

2 Answers | Asked in Bankruptcy for Michigan on
Q: How long should I wait before filing chapter 7 after having removed my name from my elderly mothers savings account?
Robert Keyes
Robert Keyes answered on Jan 14, 2018

You may not need to wait at all if you can prove all the money is hers.

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3 Answers | Asked in Bankruptcy for Michigan on
Q: Is there a time of year that is best to file for bankruptcy?
Robert Keyes
Robert Keyes answered on Jan 2, 2018

I agree with both of the other answers. One of the things trustees look for is whether you paid money to friends and relatives with your refund. Don’t do that. Another thing is a possible waiver of the $335 filing fee. If you have significant $ in the bank the trustee will probably object to the... Read more »

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1 Answer | Asked in Banking, Business Law, Consumer Law and Bankruptcy for Michigan on
Q: 100 percent net pay taken from bank account right after payday. What can I do?

I was layed off from a job and I had to take a job for less. 1600 a month differance. I could not afford my discover card payments anymore and im on welfare now. I tried on several occasions to make payment arrangements but the refused. They could not garnish my paycheck because years ago i chose... Read more »

Robert Keyes
Robert Keyes answered on Dec 12, 2017

Sounds like a prime candidate for a bankruptcy.

2 Answers | Asked in Bankruptcy for Michigan on
Q: Do I have to / should I stop paying on credit cards debts before I can file for bankruptcy?
Robert Keyes
Robert Keyes answered on Dec 9, 2017

If you are absolutely sure you qualify for a bankruptcy then stop paying and save your money to hire a good bankruptcy attorney.

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2 Answers | Asked in Bankruptcy for Michigan on
Q: I went through chapter 7 bankruptcy and kept my car. Why does my credit report say closed account do I have to pay on it

Want to know if they will come take the car if I stop paying. Just a little confused nothing was explained to me

Robert Keyes
Robert Keyes answered on Dec 8, 2017

Did you sign a reaffirmation agreement and was it filed? If so then you can keep the car as long as you keep current on the payments.

If you didn’t sign a reaff then the lender will probably repo it if you stop paying.

You probably didn’t sign/file a reaff. That would explain...
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1 Answer | Asked in Bankruptcy for Michigan on
Q: What is taken into consideration for including student loans in bankruptcy.... trying to figure if I have a good chance
Robert Keyes
Robert Keyes answered on Dec 8, 2017

The bankruptcy court uses something called the Brunner test. (Named after the definitive case.)

The bankruptcy court looks at the following three factors to determine if repayment of your student loans would cause an undue hardship, thereby justifying discharge of some or all of your...
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1 Answer | Asked in Bankruptcy for Michigan on
Q: If I file for bankruptcy alone, will it affect my husbands credit or our home?

The mortgage was done under his credit, my name is just on there. Also how much about is a simple 7 in michigan for credit card and medical debt?

Robert Keyes
Robert Keyes answered on Dec 8, 2017

It won't affect his credit score. As long as the mortgage payments are kept current there is no issue with you home. Note that even if he did file there is no issue with the house as long as the mortgage payments are kept current.

In addition to a $335 filing fee which is universal, the...
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